Lista țărilor în funcție de ponderea populației cu acces la servicii financiare

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Lista țărilor în funcție de ponderea populației cu acces la servicii financiare este o listă a țărilor și teritoriilor lumii în funcție de ponderea populației în vârstă de peste 15 ani care deține un cont la o instituție financiară sau au încheiat un contract cu un furnizor de servicii financiare mobile (asigurate prin intermediul unei rețele de telefonie mobilă). Datele provin din baza de date privind incluziunea financiară globală (Global Financial Inclusion Database) compilată de Banca Mondială. Indicatorii disponibili sunt raportați pentru anii 2021, 2017, 2014 și 2011[1].

Ponderea populației care deține un cont la o instituție financiară sau la un furnizor de servicii de telefonie mobilă
(% din populația în vârstă de peste 15 ani)[2]
Țară/Teritoriu/Regiune/Grup 2011 2014 2017 2021 2022






Națiunile Unite MEDIE GLOBALĂ 50.63% 61.92% 68.50% 76.20%
Afganistan Afganistan 9.01% 9.96% 14.89% 9.65%
Angola Angola 39.20% 29.32% N/A N/A
Albania Albania 28.27% 37.99% 40.02% 44.17%
Emiratele Arabe Unite Emiratele Arabe Unite 59.73% 83.74% 88.21% 85.74%
Argentina Argentina 33.13% 50.20% 48.71% 71.63%
Armenia Armenia 17.49% 17.67% 47.76% 55.35%
Australia Australia 99.06% 98.86% 99.52% 99.32%
Austria Austria 97.08% 96.73% 98.16% 99.95%
Azerbaidjan Azerbaidjan 14.90% 29.15% 28.57% N/A 46.26%
Burundi Burundi 7.24% 7.11% N/A N/A
 Belgia 96.31% 98.13% 98.64% 99.01%
Benin Benin 10.46% 16.62% 38.49% 48.61%
Burkina Faso Burkina Faso 13.35% 14.36% 43.16% 36.11%
Bangladesh Bangladesh 31.74% 30.99% 50.05% 52.81%
Bulgaria Bulgaria 52.82% 62.99% 72.20% 83.97%
Bahrain Bahrain 64.51% 81.94% 82.61% N/A
Bosnia şi Herţegovina Bosnia și Herțegovina 56.21% 52.69% 58.84% 79.34%
Belarus Belarus 58.60% 71.98% 81.16% N/A
Belize Belize N/A 48.21% N/A N/A
Bolivia Bolivia 28.03% 41.80% 54.41% 68.89%
Brazilia Brazilia 55.86% 68.12% 70.04% 84.04%
Bhutan Bhutan N/A 33.67% N/A N/A
Botswana Botswana 30.26% 51.96% 51.03% N/A 58.76%
Republica Centrafricană Republica Centrafricană 3.30% N/A 13.75% N/A
Canada Canada 95.80% 99.10% 99.73% 99.63%
Elveţia Elveția N/A 97.99% 98.43% 99.49%
Chile Chile 42.18% 63.26% 74.35% 87.06%
uChina China 63.82% 78.93% 79.53% 88.71%
Coasta de Fildeş Coasta de Fildeș N/A 34.32% 41.33% 50.76%
Camerun Camerun 14.81% 12.18% 34.59% 51.65%
Republica Democrată Congo Republica Democrată Congo 3.70% 17.48% 25.83% N/A 27.44%
Republica Congo Republica Congo 10.05% 17.07% 26.09% 47.14%
Columbia Columbia 30.43% 39.00% 45.76% 59.72%
Comore Comore 21.69% N/A N/A N/A 34.25%
Costa Rica Costa Rica 50.36% 64.55% 67.84% 68.49%
Cipru Cipru 85.24% 90.15% 88.72% 93.13%
Cehia Cehia 80.65% 82.18% 80.99% 94.94%
Germania Germania 98.13% 98.76% 99.14% 99.98%
Djibouti Djibouti 12.27% N/A N/A N/A
 Danemarca 99.74% 100% 99.92% 100%
Republica Dominicană Republica Dominicană 38.20% 54.09% 56.24% 51.30%
Algeria Algeria 33.29% 50.48% 42.78% 44.10%
Ecuador Ecuador 36.74% 46.21% 51.25% 64.18%
Egipt Egipt 9.72% 14.13% 32.78% 27.44%
Spania Spania 93.28% 97.58% 93.76% 98.30%
Estonia Estonia 96.82% 97.67% 97.99% 99.38%
Etiopia Etiopia N/A 21.79% 34.83% N/A 46.48%
Finlanda Finlanda 99.65% 100% 99.79% 99.53%
Franţa Franța 96.98% 96.58% 94.00% 99.24%
Gabon Gabon 18.95% 33.01% 58.60% 66.09%
Regatul Unit Regatul Unit 97.20% 98.93% 96.37% 99.76%
Georgia Georgia 32.98% 39.67% 61.23% 70.50%
Ghana Ghana 29.43% 40.51% 57.72% 68.23%
Guineea Guineea 3.69% 6.96% 23.49% 30.44%
Gambia Gambia N/A N/A 28.56% N/A 33.01%
Grecia Grecia 77.94% 87.52% 85.47% 94.88%
Guatemala Guatemala 22.32% 41.35% 44.11% N/A 36.98%
Hong Kong Hong Kong, China 88.69% 96.15% 95.28% 97.80%
Rusia Honduras 20.51% 31.49% 45.34% 37.85%
Croaţia Croația 88.39% 86.03% 86.14% 91.80%
Haiti Haiti 22.01% 18.86% 32.62% N/A
Ungaria Ungaria 72.67% 72.26% 74.94% 88.22%
Indonezia Indonezia 19.58% 36.06% 48.86% 51.76%
India India 35.23% 53.14% 79.88% 77.53%
Irlanda Irlanda 93.89% 94.71% 95.34% 99.66%
Iran Iran 73.68% 92.28% 93.98% 89.98%
Irak Irak 10.55% 10.97% 22.67% 18.57%
Islanda Islanda N/A N/A N/A 100%
Israel Israel 90.47% 89.95% 92.81% 92.93%
Italia Italia 71.01% 87.33% 93.79% 97.29%
Jamaica Jamaica 70.99% 78.46% N/A 73.30%
Iordania Iordania 25.47% 24.62% 42.49% 47.12%
Japonia Japonia 96.42% 96.65% 98.24% 98.49%
Kazahstan Kazahstan 42.11% 53.91% 58.70% 81.11%
Kenya Kenya 42.34% 74.66% 81.57% 79.20%
Kârgâzstan Kârgâzstan 3.76% 18.47% 39.94% 45.09%
Cambodia Cambodia 3.66% 22.17% 21.67% 33.39%
Coreea de Sud Coreea de Sud 93.05% 94.36% 94.85% 98.67%
Kuwait Kuwait 86.77% 72.91% 79.84% N/A
Laos Laos 26.77% N/A 29.06% 37.32%
Liban Liban 37.03% 46.93% 44.75% 20.70%
Liberia Liberia 18.80% N/A 35.71% 51.63%
Libia Libia N/A N/A 65.67% N/A
 Sri Lanka 68.53% 82.69% 73.65% 89.27%
Lesotho Lesotho 18.50% N/A 45.56% N/A 63.63%
Lituania Lituania 73.76% 77.91% 82.88% 93.53%
Luxemburg Luxemburg 94.59% 96.17% 98.77% N/A
Letonia Letonia 89.66% 90.22% 93.22% 96.62%
Maroc Maroc N/A N/A 28.64% 44.37%
 Republica Moldova 18.07% 17.76% 43.79% 64.25%
Madagascar Madagascar 5.52% 8.55% 17.87% N/A 26.30%
Maldive Maldive N/A N/A 79.55% N/A
Mexic Mexic 27.43% 39.14% 36.93% N/A 48.97%
Macedonia de Nord Macedonia de Nord 73.70% 71.80% 76.57% 85.29%
Mali Mali 8.21% 20.08% 35.42% 43.50%
Malta Malta 95.27% 96.33% 97.36% 96.45%
Myanmar Myanmar N/A 22.78% 25.99% 47.79%
 Muntenegru 50.44% 59.83% 68.36% N/A
 Mongolia 77.72% 91.82% 92.97% 98.46%
Mozambic Mozambic N/A N/A 41.67% 49.49%
Mauritania Mauritania 17.46% 22.87% 20.87% N/A 23.46%
Mauritius Mauritius 80.12% 82.21% 89.84% 90.53%
Malawi Malawi 16.54% 18.09% 33.71% 42.71%
Malaysia Malaysia 66.17% 80.67% 85.34% 88.37%
Namibia Namibia N/A 58.83% 80.63% 71.35%
Niger Niger 1.52% 6.71% 15.52% N/A 11.69%
Nigeria Nigeria 29.67% 44.44% 39.67% 45.32%
Nicaragua Nicaragua 14.22% 19.44% 30.86% 26.03%
Țările de Jos Țările de Jos 98.66% 99.30% 99.64% 99.73%
Norvegia Norvegia N/A 100% 99.75% 99.48%
Nepal Nepal 25.31% 33.80% 45.39% 54.00%
Noua Zeelandă Noua Zeelandă 99.44% 99.53% 99.18% 98.75%
Oman Oman 73.60% N/A N/A N/A
Pakistan Pakistan 10.31% 13.04% 21.29% 20.98%
Panama Panama 24.93% 43.66% 46.49% 44.97%
Peru Peru 20.46% 28.98% 42.60% 57.50%
Filipine Filipine 26.56% 31.29% 34.50% 51.37%
Polonia Polonia 70.19% 77.86% 86.73% 95.72%
Puerto Rico Puerto Rico N/A 69.74% N/A N/A
Portugalia Portugalia 81.23% 87.39% 92.34% 92.65%
Paraguay Paraguay 21.72% N/A 48.65% 54.42%
Teritoriile Palestiniene Palestina 19.43% 24.24% 25.02% 33.64%
Qatar Qatar 65.88% N/A N/A N/A
 România 44.59% 60.84% 57.75% 69.12%
Rusia Rusia 48.18% 67.38% 75.76% 89.72%
Rwanda Rwanda 32.76% 42.12% 50.02% N/A
Arabia Saudită Arabia Saudită 46.42% 69.41% 71.70% 74.32%
Sudan Sudan 6.90% 15.27% N/A N/A
Senegal Senegal 5.82% 15.42% 42.34% 55.96%
Singapore Singapore 98.22% 96.35% 97.93% 97.55%
Sierra Leone Sierra Leone 15.34% 15.58% 19.81% 28.85%
El Salvador El Salvador 13.76% 36.72% 30.35% 35.85%
Somalia Somalia N/A 38.66% N/A N/A
Serbia Serbia 62.22% 83.09% 71.44% 89.42%
Sudanul de Sud Sudanul de Sud N/A N/A 8.57% 5.83%
Slovacia Slovacia 79.58% 77.24% 84.18% 95.62%
Slovenia Slovenia 97.14% 97.24% 97.53% 99.05%
Suedia Suedia 98.99% 99.72% 99.74% 99.69%
Eswatini Eswatini 28.57% N/A N/A N/A 66.18%
Siria Siria 23.25% N/A N/A N/A
Ciad Ciad 8.96% 12.43% 21.76% N/A 23.65%
Togo Togo 10.19% 18.25% 45.29% 49.61%
Tailanda Thailanda 72.67% 78.14% 81.59% 95.58%
Tadjikistan Tadjikistan 2.53% 11.46% 47.02% 39.49%
Turkmenistan Turkmenistan 0.40% N/A 40.58% N/A
Trinidad-Tobago Trinidad-Tobago 75.92% N/A 80.78% N/A
Tunisia Tunisia N/A 27.43% 36.91% 36.85%
Turcia Turcia 57.60% 56.68% 68.59% 74.09%
Tanzania Tanzania 17.26% 39.78% 46.75% 52.43%
Uganda Uganda 20.46% 44.45% 59.20% 65.91%
Ucraina Ucraina 41.27% 52.71% 62.90% 83.56%
Uruguay Uruguay 23.54% 45.59% 63.87% 74.13%
Statele Unite ale Americii Statele Unite ale Americii 87.96% 93.58% 93.12% 94.95%
Uzbekistan Uzbekistan 22.50% 40.71% 37.09% 44.13%
Venezuela Venezuela 44.12% 57.03% 73.49% 84.39%
Vietnam Vietnam 21.37% 30.95% 30.80% N/A 56.27%
Kosovo Kosovo 44.31% 47.80% 52.27% 58.01%
Yemen Yemen 3.66% 6.45% N/A N/A 11.90%
Africa de Sud Africa de Sud 53.65% 70.32% 69.22% 85.38%
Zambia Zambia 21.36% 35.64% 45.86% 48.52%
Zimbabwe Zimbabwe 39.65% 32.39% 55.29% 59.75%
Țări cu venituri mici și medii (BM) 41.66% 54.99% 62.98% 71.38%
Țări cu venituri mici (BM) 10.05% 18.74% 31.53% 38.99%
Țări cu venituri medii (BM) 43.33% 57.26% 64.86% 72.37%
Țări cu venituri medii inferioare (BM) 30.45% 43.70% 58.27% 62.38%
Țări cu venituri medii superioare (BM) 56.56% 70.93% 72.35% 84.33%
Țări cu venituri mari (BM) 88.24% 92.79% 93.67% 96.36%
OCDE (Organizația pentru Cooperare și Dezvoltare Economică) 89.76% 93.76% 94.46% 97.19%

Referințe[modificare | modificare sursă]

  1. ^ Banca Mondială. „The Global Findex Database 2021” [Baza de date Global Findex 2021]. Accesat în . 
  2. ^ Banca Mondială. „Account ownership at a financial institution or with a mobile-money-service provider (% of population ages 15+)” [Deținerea unui cont la o instituție financiară sau la un furnizor de servicii de telefonie mobilă (% din populația cu vârsta peste 15 ani)]. Accesat în .