World Bank Group · Made or Received a Digital Payment
Digital payments by country
What share of adults made or received a digital payment in the past year?
Mongolia placed first of the 98 countries compared in 2024, at 94.91%, and Niger last, at 12.26%. In the middle country the figure was 51.65%. Among the 74 countries measured in every edition since 2014, the middle one moved from 28.65% to 53.63%.
Digital payments · 2024
Context statistic
Highest of 98Mongolia
94.91%012024 · position · derived
Who leads
The three countries at the highest end of 98 compared, the three at the other end, and the first on each continent.
1Photo: Ludovic Hirlimann [ dead link ] · CC BY-SA 2.0, greyscale
2Photo: John Storr · CC0, greyscale
3Photo: Seebeer Edited by Nicholasjf21 · Public domain, greyscale
02Every measured country
Digital payments on a map
Each country is shaded by its value, in five groups holding the same number of countries. Hover a country for its value, or select it to open its profile. Below the map, each continent’s middle country.
Darker is a higher value — the better end.
- 12.26–30.05%
- 31.77–48.46%
- 48.86–57.14%
- 58.35–71.42%
- 72.21–94.91%
- No reading in 2024 (61 measured in an earlier edition)
- Europe
69.76%
the middle country, of 12 measured · 49 members
Croatia88.45%
Albania35.31%Highest and lowest reading in Europe.
- Americas
51.16%
the middle country, of 17 measured · 48 members
Brazil77.36%
Nicaragua16.39%Highest and lowest reading in Americas.
- Africa
50.35%
the middle country, of 40 measured · 55 members
Kenya89.28%
Niger12.26%Highest and lowest reading in Africa.
- Asia
49.88%
the middle country, of 29 measured · 52 members
Mongolia94.91%
Lebanon20.25%Highest and lowest reading in Asia.
- Every region
15 sub-regions, highest middle country first
- Eastern Europe
77.60%
the middle country, of 5 measured · 10 members
Ukraine82.89%
Moldova50.46%Highest and lowest reading in Eastern Europe.
- Southern Europe
64.34%
the middle country, of 7 measured · 17 members
Croatia88.45%Albania35.31%Highest and lowest reading in Southern Europe.
- Southern Africa
61.22%
the middle country, of 5 measured · 5 members
Namibia67.62%
Botswana56.95%Highest and lowest reading in Southern Africa.
- Western Asia
56.02%
the middle country, of 10 measured · 19 members
Saudi Arabia75.72%Lebanon20.25%Highest and lowest reading in Western Asia.
- Middle Africa
54.17%
the middle country, of 5 measured · 9 members
Gabon66.52%
Chad18.04%Highest and lowest reading in Middle Africa.
- South America
53.59%
the middle country, of 8 measured · 12 members
Brazil77.36%
Ecuador43.30%Highest and lowest reading in South America.
- Eastern Africa
50.51%
the middle country, of 11 measured · 19 members
Kenya89.28%
Ethiopia20.66%Highest and lowest reading in Eastern Africa.
- Western Africa
49.32%
the middle country, of 14 measured · 16 members
Ghana80.36%Niger12.26%Highest and lowest reading in Western Africa.
- South-eastern Asia
42.69%
the middle country, of 7 measured · 11 members
Thailand82.75%
Laos26.53%Highest and lowest reading in South-eastern Asia.
- Southern Asia
40.60%
the middle country, of 6 measured · 9 members
Iran85.98%
Pakistan24.64%Highest and lowest reading in Southern Asia.
- Central America
35.72%
the middle country, of 8 measured · 8 members
Costa Rica60.46%Nicaragua16.39%Highest and lowest reading in Central America.
- Northern Africa
23.68%
the middle country, of 5 measured · 6 members
Egypt36.33%
Algeria13.09%Highest and lowest reading in Northern Africa.
- Caribbean
1 of 24 measured — too few for a middle: Dominican Republic.
Dominican Republic52.53%Highest and lowest reading in Caribbean.
- Central Asia
4 of 5 measured — too few for a middle: Kazakhstan, Kyrgyzstan, Tajikistan, Uzbekistan.
Kazakhstan85.02%
Tajikistan49.33%Highest and lowest reading in Central Asia.
- Eastern Asia
2 of 8 measured — too few for a middle: China, Mongolia.
Mongolia94.91%
China88.72%Highest and lowest reading in Eastern Asia.
03The whole field at once
The spread
98 countries, one dot each, on one scale — further right is a higher value. Half the countries are above 51.65%; a quarter are above 67.39%, and a quarter below 35.56%. The bar in each row marks that continent’s middle country.
04All 159 ever measured
Every country
In order, highest value first. “=” marks a position shared with another country. World Bank Group ranks nobody on this measure; the position is derived here by ordering the published values. Most high-income economies were not asked in 2024, so the 2024 table is mainly low- and middle-income countries; a rich country's latest figure is in the 2021 table. A single payment in a year is enough to count, so the figure says whether people use digital payments at all, not how often.
Showing 25 of 159 countries
Values for 2024. The change column compares 2024 with 2021 only; the sparkline covers the recent editions.
052014–2024 · 4 editions
Over time
Each point is one survey wave — 2014, 2017, 2021 and 2024 — and each wave is a separately published survey.
- the middle country
- the middle half of countries
- the middle of the 74 countries measured every time
- each continent’s middle country
The same, year by year
| Year | Countries | Middle country | Middle half | Measured every time |
|---|---|---|---|---|
| 2024 | 98 | 51.65% | 35.56% – 67.39% | 53.63% |
| 2021 | 123 | 65.57% | 41.02% – 91.71% | 48.40% |
| 2017 | 145 | 49.47% | 30.97% – 79.56% | 39.22% |
| 2014 | 142 | 38.32% | 17.95% – 73.13% | 28.65% |
062021 → 2024
Who rose and fell
The biggest changes in value between the two newest editions. Places are shown second, because they also move when other countries do.
Improved most
before → after
Kyrgyzstan39.43% → 67.46% · 95th → 25th+28.03
Zambia46.45% → 71.16% · 84th → 21st+24.71
Nigeria33.74% → 54.48% · 104th → 43rd+20.74
Senegal53.02% → 73.48% · 73rd → 18th+20.46- Tajikistan33.13% → 49.33% · 106th → 56th+16.20
Declined most
before → after- Algeria33.74% → 13.09% · 103rd → 97th−20.65
Mauritius80.11% → 64.04% · 49th → 29th−16.07
South Africa80.81% → 67.17% · 48th → 26th−13.63
Bolivia55.45% → 43.64% · 71st → 65th−11.82
Bangladesh45.26% → 33.95% · 86th → 75th−11.32
79 countries were measured in both 2021 and 2024. The field changed from 123 to 98 countries, so a place can move for reasons that have nothing to do with the country itself.
07Across every edition
Digital payments in records
The extremes of the statistic. A record reached by more than one country names none of them.
Highest reading on record
100.00%
Adults who made or received a digital payment in the past year (% of population aged 15+)
Lowest reading on record
4.17%
Adults who made or received a digital payment in the past year (% of population aged 15+)
Biggest improvement between editions
+35.19
8.75% → 43.93%
Biggest decline between editions
−20.65
33.74% → 13.09%
Most improved since first measured
+61.56
11.92% → 73.48%
At the top most often
3 of 4
editions, alone at the first-listed end
08By sex
Inside the number
World Bank Group also publishes separate female and male readings. The gap between them, where both exist.
Of the 98 countries with both readings, the female reading is higher in 11, the male reading in 87. The widest gaps each way:
09The measure
About digital payments
This is the share of adults who made or received at least one digital payment in the past year — paying by card, phone or mobile money, paying bills online, or having wages or benefits paid into an account. The World Bank's Global Findex survey treats it as the step from owning an account to actually using one.
What the number is: Adults who made or received a digital payment in the past year (% of population aged 15+).
10Where it fits
Connections
Its part in the Country Index, the statistics whose values line up most closely with it across countries, and others on the same subject.
In the Country Index
Context, with no vote
This statistic is published in full under Money & Public Finance and Digital & Technology, but does not help decide any Country Index standing.
Money & Public FinanceDigital & TechnologyWhich statistics vote, and why
Moves with
Where digital payments is higher, these tend to be higher too.
- Account Ownership at a Financial InstitutionKeyWorld Bank Group · 98 countries in commonρ 0.93
- Account Ownership Among WomenWorld Bank Group · 98 countries in commonρ 0.91
- Saved at a Financial Institution or with Mobile MoneyWorld Bank Group · 98 countries in commonρ 0.75
Moves against
Where digital payments is higher, these tend to be lower.
- Riverine Flood Risk (Aqueduct)WRI · 94 countries in commonρ −0.45
- Climate Vulnerability (ND-GAIN)KeyNotre Dame Global Adaptation Initiative (ND-GAIN), University of Notre Dame · 96 countries in commonρ −0.45
- Exclusion by Socio-Economic GroupV-Dem Institute, University of Gothenburg · 95 countries in commonρ −0.44
Rank correlation (ρ, from −1 to 1) across countries, on each statistic’s newest edition, out of 247 statistics sharing at least 80 countries with this one. Two statistics that move together do not cause each other.
11Keep reading
Explore further
The subject
The data, edition by edition
More from World Bank Group
12Questions
Digital payments: questions and answers
Which country has the highest digital payments?
Mongolia, at 94.91%, among the 98 countries compared in 2024.
Which country has the lowest digital payments?
Niger, at 12.26%, among the 98 countries compared in 2024.
How many countries does the Made or Received a Digital Payment cover?
98 in 2024, and 159 at least once across all editions. The number measured varies from 98 to 145 between editions.
What is the world average digital payments?
This site does not calculate a world average, which would depend on how countries are weighted. In the middle country of the 98 compared in 2024, the figure was 51.65%.
Is this World Bank Group’s own ranking?
No. World Bank Group publishes the values but ranks nobody; the position on this page is derived by Nations Inquiry by ordering the published values, and equal values share a position.
How often is the Made or Received a Digital Payment published?
This site holds 4 editions, describing 2014 to 2024.
Where does the data come from, and can I download it?
From World Bank Group, under CC BY 4.0. From World Bank Data360 (Global Findex, WB_FINDEX_G20_ANY), the Bank's own figures for adults aged 15 and over. Economies surveyed in 2022, whose fieldwork for the 2021 wave ran late, are left out. Every edition is on this site’s Datasets pages as a full table, and downloads as a CSV file with every value unrounded.
13Method
Sources, method and citation
Source
Made or Received a Digital Payment — World Bank Group
From World Bank Data360 (Global Findex, WB_FINDEX_G20_ANY), the Bank's own figures for adults aged 15 and over. Economies surveyed in 2022, whose fieldwork for the 2021 wave ran late, are left out.
Newest edition
Report year 2024Data year 2024
Cite the source as: World Bank. The Global Findex Database. Washington, DC: World Bank Group.
Licence: CC BY 4.0, checked 2026-09-29.
How this page reads the numbers
- World Bank Group ranks nobody on this measure. The position is derived by Nations Inquiry by ordering the published values; equal values share a position.
- Which end is better follows the publisher’s own reading of the measure.
- A country is named at an end only when it holds that value alone. Where several share it, the page says how many and names none first.
- Values are stored exactly as published and trimmed only for display. “The middle country” is the median of the countries measured, not a world average.
The file itself, column by column — where it came from, what each column holds, and every edition as a CSV — is on its dataset page.
Photographs
The countries at the top of this statistic, from their profiles: Wikimedia Commons, shown in greyscale, each used under the licence named.
- Mongolia — Ludovic Hirlimann [ dead link ], CC BY-SA 2.0
- Kenya — John Storr, CC0
- China — Seebeer Edited by Nicholasjf21, Public domain
Cite this page
Nations Inquiry (2026). Digital payments by country: Made or Received a Digital Payment, data from World Bank Group. https://nationsinquiry.com/statistics/digital-payments