To design effective national inclusion policies, central banks require reliable data to identify gaps, trace usage habits, and evaluate control metrics. The primary benchmark database used globally is the World Bank’s Global Findex Database. [1]
Key Findex Metric Vectors
The Findex database tracks financial behavior across distinct population segments to locate specific access gaps: [1, 2, 3]
- Account Ownership Tiers: The percentage of adults holding a formal account at a bank, credit union, microfinance institution, or mobile money provider. [1, 2]
- Digital Payment Splits: Tracking how many users send or receive payments digitally, execute utility bill payments via mobile wallets, or receive state welfare transfers directly into an account.
- Financial Resilience Indicators: Measuring a household’s capacity to raise emergency cash (typically defined as a target value relative to national income) within a 30-day window to absorb economic shocks. [1, 2]
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