Digital Payments Usage
Share of adults (15+) who made or received a digital payment in the past year. Global Findex survey waves 2011–2024.
Avg (2024)
35.5%
-8.9pp vs 2021
Improving
62
of 142 tracked
Declining
70
period over period
Stable
6
±0.5pp band
Digital Payments Usage (% adults)
Interactive — choose a period, search a country, switch between bars, table and map.
azenha.ai/bulldozer
Trend over time
Group average by period, 2014–2024.
AsiaEuropeAfricaAmericas
azenha.ai/bulldozer
Movers
Biggest period-over-period changes.
Top risers
| Entity | Now | Change |
|---|---|---|
| 🇲🇪 Montenegro | 64.3% | +64.3pp |
| 🇴🇲 Oman | 60.4% | +60.4pp |
| 🇧🇿 Belize | 51.2% | +51.2pp |
| 🇰🇬 Kyrgyz Republic | 67.5% | +28.1pp |
| 🇿🇲 Zambia | 71.2% | +24.8pp |
Top fallers
| Entity | Now | Change |
|---|---|---|
| 🇩🇰 Denmark | 0% | -100.0pp |
| 🇮🇸 Iceland | 0% | -99.9pp |
| 🇩🇪 Germany | 0% | -99.5pp |
| 🇳🇴 Norway | 0% | -99.5pp |
| 🇦🇹 Austria | 0% | -99.3pp |
By group
Change by group, latest period.
Africa +5.5pp
Asia -4.2pp
Americas -6.6pp
Europe -18.5pp
| Group | Members | Avg | Change |
|---|---|---|---|
| Europe | 15 | 67.5% | -18.5pp |
| Asia | 25 | 52.3% | -4.2pp |
| Americas | 17 | 48.4% | -6.6pp |
| Africa | 40 | 47.3% | +5.5pp |
Digital Payments Usage — full ranking
Every entity in this dataset, in HTML. The interactive panel above shows the same numbers; this is the one that survives without JavaScript.
| # | Entity | Digital Payments Usage (% adults) | Change |
|---|---|---|---|
| 1 | 🇲🇳 Mongolia | 94.9% | -2.5pp |
| 2 | 🇰🇪 Kenya | 89.3% | +11.7pp |
| 3 | 🇨🇳 China | 88.7% | +2.5pp |
| 4 | 🇭🇷 Croatia | 88.5% | +1.4pp |
| 5 | 🇮🇷 Iran, Islamic Rep. | 86% | +1.5pp |
| 6 | 🇰🇿 Kazakhstan | 85% | +7.1pp |
| 7 | 🇺🇦 Ukraine | 82.9% | +1.6pp |
| 8 | 🇹🇭 Thailand | 82.8% | -9.2pp |
| 9 | 🇵🇱 Poland | 82.1% | -11.1pp |
| 10 | 🇬🇭 Ghana | 80.4% | +14.8pp |
| 11 | 🇧🇬 Bulgaria | 77.6% | +2.4pp |
| 12 | 🇲🇾 Malaysia | 77.5% | -1.8pp |
| 13 | 🇧🇷 Brazil | 77.4% | +0.90pp |
| 14 | 🇷🇸 Serbia | 77% | -10.5pp |
| 15 | 🇸🇦 Saudi Arabia | 75.7% | +2.2pp |
| 16 | 🇻🇪 Venezuela, RB | 75.5% | -5.7pp |
| 17 | 🇲🇰 North Macedonia | 75.2% | +0.90pp |
| 18 | 🇸🇳 Senegal | 73.5% | +20.5pp |
| 19 | 🇦🇷 Argentina | 72.2% | +7.2pp |
| 20 | 🇹🇷 Turkiye | 71.4% | +3.8pp |
| 21 | 🇿🇲 Zambia | 71.2% | +24.8pp |
| 22 | 🇺🇬 Uganda | 70.6% | +8.0pp |
| 23 | 🇬🇪 Georgia | 69.4% | +7.2pp |
| 24 | 🇳🇦 Namibia | 67.6% | +1.2pp |
| 25 | 🇰🇬 Kyrgyz Republic | 67.5% | +28.1pp |
| 26 | 🇿🇦 South Africa | 67.2% | -13.6pp |
| 27 | 🇬🇦 Gabon | 66.5% | +1.0pp |
| 28 | 🇲🇪 Montenegro | 64.3% | — |
| 29 | 🇲🇺 Mauritius | 64% | -16.1pp |
| 30 | 🇷🇴 Romania | 63.6% | +0.10pp |
| 31 | 🇻🇳 Viet Nam | 62.4% | +16.4pp |
| 32 | 🇧🇦 Bosnia and Herzegovina | 62.1% | -4.4pp |
| 33 | 🇸🇿 Eswatini | 61.2% | -3.3pp |
| 34 | 🇦🇲 Armenia | 60.6% | +13.1pp |
| 35 | 🇨🇷 Costa Rica | 60.5% | +1.3pp |
| 36 | 🇴🇲 Oman | 60.4% | — |
| 37 | 🇨🇲 Cameroon | 59.6% | +9.7pp |
| 38 | 🇱🇸 Lesotho | 58.4% | -0.20pp |
| 39 | 🇹🇿 Tanzania | 57.1% | +6.9pp |
| 40 | 🇧🇼 Botswana | 56.9% | +5.1pp |
| 41 | 🇨🇮 Cote d'Ivoire | 56.5% | +8.8pp |
| 42 | 🇵🇾 Paraguay | 55.5% | +4.3pp |
| 43 | 🇳🇬 Nigeria | 54.5% | +20.8pp |
| 44 | 🇨🇬 Congo, Rep. | 54.2% | +9.8pp |
| 45 | 🇹🇬 Togo | 53.1% | +9.4pp |
| 46 | 🇩🇴 Dominican Republic | 52.5% | +13.8pp |
| 47 | 🇵🇦 Panama | 52.1% | +15.7pp |
| 48 | 🇲🇱 Mali | 51.8% | +13.7pp |
| 49 | 🇵🇪 Peru | 51.7% | +2.6pp |
| 50 | 🇦🇿 Azerbaijan | 51.6% | +9.1pp |
| 51 | 🇧🇿 Belize | 51.2% | — |
| 52 | 🇲🇩 Moldova | 50.5% | -9.3pp |
| 53 | 🇲🇿 Mozambique | 50.5% | +8.2pp |
| 54 | 🇱🇷 Liberia | 50.2% | +4.1pp |
| 55 | 🇺🇿 Uzbekistan | 49.9% | +8.2pp |
| 56 | 🇹🇯 Tajikistan | 49.3% | +16.2pp |
| 57 | 🇨🇴 Colombia | 49.2% | -2.9pp |
| 58 | 🇲🇼 Malawi | 48.9% | +8.6pp |
| 59 | 🇮🇳 India | 48.5% | +13.6pp |
| 60 | 🇧🇫 Burkina Faso | 48.4% | +15.1pp |
| 61 | 🇧🇯 Benin | 47.7% | +4.0pp |
| 62 | 🇱🇰 Sri Lanka | 47.3% | -7.8pp |
| 63 | 🇿🇼 Zimbabwe | 46.7% | -11.0pp |
| 64 | 🇧🇴 Bolivia | 43.6% | -11.9pp |
| 65 | 🇪🇨 Ecuador | 43.3% | -3.6pp |
| 66 | 🇮🇩 Indonesia | 42.7% | +5.5pp |
| 67 | 🇲🇽 Mexico | 41.4% | -2.5pp |
| 68 | 🇵🇭 Philippines | 40.3% | -3.2pp |
| 69 | 🇯🇴 Jordan | 38.2% | +1.8pp |
| 70 | 🇨🇩 Congo, Dem. Rep. | 37.1% | +11.2pp |
| 71 | 🇸🇱 Sierra Leone | 36.7% | +9.7pp |
| 72 | 🇪🇬 Egypt, Arab Rep. | 36.3% | +16.1pp |
| 73 | 🇦🇱 Albania | 35.3% | +0.70pp |
| 74 | 🇧🇩 Bangladesh | 33.9% | -11.4pp |
| 75 | 🇰🇭 Cambodia | 32.3% | +6.2pp |
| 76 | 🇲🇦 Morocco | 32% | +1.7pp |
| 77 | 🇬🇳 Guinea | 31.8% | +4.2pp |
| 78 | 🇭🇳 Honduras | 30% | -1.6pp |
| 79 | 🇰🇲 Comoros | 28.3% | +8.5pp |
| 80 | 🇳🇵 Nepal | 28.1% | -0.50pp |
| 81 | 🇸🇻 El Salvador | 28% | +0.20pp |
| 82 | 🇬🇲 Gambia, The | 27.7% | +5.3pp |
| 83 | 🇱🇦 Lao PDR | 26.5% | +5.3pp |
| 84 | 🇮🇶 Iraq | 25% | +10.8pp |
| 85 | 🇵🇰 Pakistan | 24.6% | +7.0pp |
| 86 | 🇲🇷 Mauritania | 24.4% | +4.5pp |
| 87 | 🇹🇳 Tunisia | 23.7% | -4.0pp |
| 88 | 🇱🇾 Libya | 23.5% | — |
| 89 | 🇬🇹 Guatemala | 22.6% | -3.3pp |
| 90 | 🇲🇬 Madagascar | 21.7% | -2.2pp |
| 91 | 🇵🇸 West Bank and Gaza | 20.8% | -0.20pp |
| 92 | 🇪🇹 Ethiopia | 20.7% | +1.0pp |
| 93 | 🇱🇧 Lebanon | 20.3% | +6.3pp |
| 94 | 🇹🇩 Chad | 18% | -0.10pp |
| 95 | 🇳🇮 Nicaragua | 16.4% | -5.0pp |
| 96 | 🇩🇿 Algeria | 13.1% | -20.6pp |
| 97 | 🇳🇪 Niger | 12.3% | +2.7pp |
Related indicators
More in economy.