[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-detail-112897-en":3,"doc-seo-112897-105":29,"detail-sidebar-cat-0-en-105":90},{"code":4,"msg":5,"data":6},0,"success",{"doc_id":7,"user_id":8,"nickname":9,"user_avatar":10,"doc_module":4,"category_id":11,"category_name":12,"doc_title":13,"doc_description":14,"doc_content":15,"file_id":16,"file_url":17,"file_type":18,"file_size":19,"view_count":4,"is_deleted":4,"is_public":20,"is_downloadable":20,"audit_status":20,"page_count":21,"language":22,"language_code":23,"site_id":24,"html_lang":23,"table_of_contents":25,"faqs":26,"seo_title":13,"seo_description":14,"update_tm":27,"read_time":28},112897,1374391974564,"Clementine","https://ap-avatar.wpscdn.com/avatar/14000253aa45c000a9e?x-image-process=image/resize,m_fixed,w_180,h_180&k=1779874745381141002",8,"Research & Report","The Global Findex Database 2017 - Measuring Financial Inclusion and Opportunities to Expand Access to and Use of Financial Services","Financial services are positioned as a development enabler by supporting investment in health, education, and businesses and by helping households manage emergencies such as job loss or crop failure. The World Bank prioritizes financial inclusion, defined as access to and use of formal financial services, while recognizing that evidence on its effects can be mixed. The 2017 Global Findex database measures how adults save, borrow, make payments, and manage risks, using surveys across more than 140 economies, with added indicators on digital financial services and technology use.","Pub lic Disclosure Authorized Pub lic Disclosure Authorized  \nThe World Bank Economic Review, 34(Supplement), 2020, S2–S8 doi: 10.1093/wber/lhz013 Article  \nThe Global Findex Database 2017: Measuring Financial Inclusion and Opportunities to Expand Access to and Use of Financial Services  \nAsli Demirgüç-Kunt, Leora Klapper, Dorothe Singer, Saniya Ansar, and Jake Hess  \nAbstract  \nFinancial services can help drive development. They help people escape poverty by facilitating investments in their health, education, and businesses. And they make it easier to manage financial emergencies—such as a job loss or crop failure—that can push families into destitution. A growing body of research reveals many potential development benefits from financial inclusion—especially from the use of digital financial services, including mobile money services, payment cards, and other financial technology (or fintech) applications. Although the evidence is somewhat mixed, even studies that do not find positive results often point to possibilities for achieving better outcomes through careful attention to local needs.1 Many poor people around the world lack the financial services that can serve these functions, such as bank accounts and digital payments. Instead, they rely on cash—which can be unsafe and hard to manage. That’s why the World Bank has made it a key priority to promote financial inclusion—access to and use of formal financial services.  \nMeasurement is key to understanding financial inclusion and identifying opportunities to expand it. In 2011 the World Bank launched the Global Findex database, the world’s most comprehensive database on how adults save, borrow, make payments, and manage risks. Compiled using nationally representative surveys in of more than 150,000 adults age 15 and above in over 140 economies, the 2017 Global Findex database includes updated indicators on access to, and use of, formal and informal financial services. It has additional data on the use of financial technology, including the use of mobile phones and the Internet to conduct financial transactions. The 2017 Global Findex is the third survey round, following the initial one and a second one in 2014 .2  \nJEL classification: D14, G20, G21, G50, G51, O16  \nKeywords: Financial inclusion, digital payments, mobile money, savings, credit, financial resilience  \nAsli Demirgüç-Kunt (corresponding author) is a Chief Economist at the World Bank, Washington, DC. Her email address is [ademirguckunt@worldbank.org. Leora Klapper](ademirguckunt@worldbank.org. Leora Klapper) is a Lead Economist at the World Bank, Washington, DC. Her email address is [lklapper@worldbank.org. Dorothe](lklapper@worldbank.org. Dorothe) Singer is an Economist at the World Bank, Washington, DC. Her email address is [dsinger@worldbank.org. Saniya Ansar works with the Global Findex Team at](dsinger@worldbank.org. Saniya Ansar works with the Global Findex Team at) the World Bank, Washington, DC. Her email address is [sansar1@worldbank.org. Jake Hess works with](sansar1@worldbank.org. Jake Hess works with) the Global Findex Team at the World Bank, Washington, DC. His email address is [jhess1@worldbank.org. Funding for](jhess1@worldbank.org. Funding for) the 2017 Global Findex database was provided by the Bill & Melinda Gates Foundation. This article is a brief summary of report that examines the Global Findex database in greater detail, Demirgüç-Kunt et al. (2018) .  \n1 For overviews of how financial inclusion can drive development, see Karlan et al. (2016); and Demirgüç-Kunt, Klapper, and Singer (2017) .  \n2 The complete individual-level and economy-level databases feature indicators disaggregated by gender, household income, education, age group, labor force status, and rural residence. They are available for free online (see World Bank (2017)) .  \n© The Author(s) 2020 . Published by Oxford University Press on behalf of the International Bank for Reconstruction and Development / THE WORLD BANK.  \nAll","cbCaikgkwiVr7aIZ","https://ap.wps.com/l/cbCaikgkwiVr7aIZ","pdf",710619,1,7,"English","en",105,"# 1. Continued Growth in Account Ownership\n## Global account growth from 2011 to 2017\n## Regional and economy variation in account ownership\n# 2. Persistent Inequality in Account Ownership\n## Gender gaps in account ownership\n## Progress across developing economies","[{\"question\":\"What development benefits are associated with financial inclusion?\",\"answer\":\"Financial services support development by enabling investments in health, education, and businesses and by helping households manage financial emergencies that can otherwise drive families into destitution.\"},{\"question\":\"How is the 2017 Global Findex database constructed and what does it measure?\",\"answer\":\"It compiles indicators from nationally representative surveys of more than 150,000 adults across over 140 economies, covering how adults save, borrow, make payments, and manage risks, including digital financial technology use.\"},{\"question\":\"What trends does the Global Findex show about account ownership and access to mobile money?\",\"answer\":\"Account ownership increased globally between 2011 and 2017, and mobile money account shares have grown substantially in Sub-Saharan Africa and also outside the region, reaching about 20% or more in some 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development benefits are associated with financial inclusion?","Question",{"text":74,"@type":75},"Financial services support development by enabling investments in health, education, and businesses and by helping households manage financial emergencies that can otherwise drive families into destitution.","Answer",{"name":77,"@type":72,"acceptedAnswer":78},"How is the 2017 Global Findex database constructed and what does it measure?",{"text":79,"@type":75},"It compiles indicators from nationally representative surveys of more than 150,000 adults across over 140 economies, covering how adults save, borrow, make payments, and manage risks, including digital financial technology use.",{"name":81,"@type":72,"acceptedAnswer":82},"What trends does the Global Findex show about account ownership and access to mobile money?",{"text":83,"@type":75},"Account ownership increased globally between 2011 and 2017, and mobile money account shares have grown substantially in Sub-Saharan Africa and also 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