Proportion of adults (15 years and older) active in labor force with an account at a financial institution or mobile-money-service provider (% of adults aged 15 years and older) by country
Countries reporting
114
Highest
100.0%
Austria
Lowest
16.4%
Niger
Median
83.8%
Years covered
14
2011–2024
Data points
755
What the numbers show
Proportion of adults (15 years and older) active in labor force with an account at a financial institution or mobile-money-service provider (% of adults aged 15 years and older) is currently reported for 114 countries. The highest value is 100.0% in Austria; the lowest is 16.4% in Niger.
The median across all reporting countries is 83.8%, and the mean is 76.8%.
The gap between the highest and lowest reporting country is a factor of about 6.
Over the past decade 92 countries rose and 21 fell. The largest increase was in Tajikistan (up 369.3%), and the largest decrease in Lebanon (down 51.0%).
Proportion of adults (15 years and older) active in labor force: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Austria | 100.0% | 2024 | up 1.9% | flat |
| 1 | Finland | 100.0% | 2024 | unchanged | flat |
| 3 | United Kingdom | 99.9% | 2024 | down 0.1% | flat |
| 3 | United Kingdom of Great Britain and Northern Ireland | 99.9% | 2024 | down 0.1% | flat |
| 5 | Belgium | 99.9% | 2024 | up 1.4% | flat |
| 6 | Netherlands (Kingdom of the) | 99.6% | 2024 | up 0.2% | flat |
| 7 | Slovenia | 99.3% | 2024 | up 2.0% | flat |
| 8 | Croatia | 99.3% | 2024 | up 6.8% | rising |
| 9 | Japan | 99.2% | 2024 | up 1.1% | flat |
| 10 | France | 99.2% | 2024 | down 0.4% | flat |
| 11 | Lithuania | 99.0% | 2024 | up 6.8% | rising |
| 12 | Mongolia | 98.9% | 2024 | up 4.6% | rising |
| 13 | Denmark | 98.9% | 2024 | down 1.1% | flat |
| 14 | Estonia | 98.8% | 2024 | down 0.4% | flat |
| 15 | Slovakia | 98.7% | 2024 | up 6.5% | rising |
| 16 | Australia | 98.7% | 2024 | up 0.2% | flat |
| 17 | Australia and New Zealand | 98.7% | 2024 | down 0.0% | flat |
| 18 | New Zealand | 98.7% | 2024 | down 1.0% | flat |
| 19 | Ireland | 98.6% | 2024 | up 1.6% | flat |
| 20 | Canada | 98.6% | 2024 | down 0.2% | flat |
| 21 | Sweden | 98.6% | 2024 | down 1.4% | flat |
| 22 | Malta | 98.4% | 2024 | up 0.4% | flat |
| 23 | Poland | 97.8% | 2024 | up 9.5% | rising |
| 24 | United States | 97.7% | 2024 | up 4.3% | rising |
| 25 | Cyprus | 97.6% | 2024 | up 4.6% | rising |
| 26 | South Korea | 97.1% | 2024 | down 0.5% | flat |
| 26 | Republic of Korea | 97.1% | 2024 | down 0.5% | flat |
| 28 | Israel | 96.1% | 2024 | down 0.6% | flat |
| 29 | Serbia | 95.9% | 2024 | up 8.8% | rising |
| 30 | Portugal | 95.9% | 2024 | up 5.3% | rising |
| 31 | Latvia | 95.3% | 2024 | down 1.2% | flat |
| 32 | Turkey | 95.2% | 2024 | up 33.9% | rising |
| 32 | Türkiye | 95.2% | 2024 | up 33.9% | rising |
| 34 | Czechia | 94.9% | 2024 | up 2.2% | flat |
| 35 | North Macedonia | 94.6% | 2024 | up 11.9% | rising |
| 36 | Hungary | 93.4% | 2024 | up 9.0% | rising |
| 37 | Kazakhstan | 93.2% | 2024 | up 49.9% | rising |
| 38 | Iran (Islamic Republic of) | 93.1% | 2024 | down 4.1% | rising |
| 39 | Thailand | 92.8% | 2024 | up 10.6% | rising |
| 40 | Bulgaria | 92.7% | 2024 | up 18.9% | rising |
| 41 | Malaysia | 92.3% | 2024 | up 9.4% | rising |
| 42 | Mauritius | 92.2% | 2024 | up 4.4% | rising |
| 43 | Greece | 91.8% | 2024 | up 0.5% | rising |
| 44 | Brazil | 91.4% | 2024 | up 27.6% | rising |
| 45 | Bosnia and Herzegovina | 91.3% | 2024 | up 32.2% | rising |
| 46 | Italy | 91.1% | 2024 | down 0.5% | rising |
| 47 | India | 90.9% | 2024 | up 43.0% | rising |
| 48 | Ukraine | 90.8% | 2024 | up 40.8% | rising |
| 49 | Chile | 89.2% | 2024 | up 18.9% | rising |
| 50 | Venezuela (Bolivarian Republic of) | 87.9% | 2024 | up 24.6% | rising |
| 51 | Argentina | 87.2% | 2024 | up 72.9% | rising |
| 52 | Ghana | 86.9% | 2024 | up 101.0% | rising |
| 53 | Sri Lanka | 86.1% | 2024 | down 6.5% | rising |
| 54 | South Africa | 85.6% | 2024 | up 8.7% | rising |
| 55 | Romania | 85.1% | 2024 | up 24.3% | rising |
| 56 | Russia | 84.6% | 2024 | up 10.2% | rising |
| 56 | Russian Federation | 84.6% | 2024 | up 10.2% | rising |
| 58 | Georgia | 83.0% | 2024 | up 68.9% | rising |
| 59 | Senegal | 82.6% | 2024 | up 228.2% | volatile |
| 60 | Saudi Arabia | 82.4% | 2024 | up 8.7% | flat |
| 61 | Uruguay | 80.6% | 2024 | up 59.1% | rising |
| 62 | Kyrgyzstan | 80.5% | 2024 | up 235.0% | volatile |
| 63 | Kosovo | 80.0% | 2024 | up 33.5% | rising |
| 64 | Zambia | 78.4% | 2024 | up 92.7% | rising |
| 65 | Uganda | 78.2% | 2024 | up 57.9% | rising |
| 66 | Costa Rica | 78.0% | 2024 | up 7.2% | rising |
| 67 | Vietnam | 77.6% | 2024 | up 127.1% | rising |
| 67 | Viet Nam | 77.6% | 2024 | up 127.1% | rising |
| 69 | Armenia | 77.2% | 2024 | up 176.7% | rising |
| 70 | Caribbean | 72.5% | 2024 | up 34.5% | rising |
| 71 | Dominican Republic | 71.7% | 2024 | up 16.8% | rising |
| 72 | Nigeria | 71.0% | 2024 | up 34.7% | rising |
| 73 | Panama | 70.6% | 2024 | up 40.0% | rising |
| 74 | Botswana | 68.6% | 2024 | up 16.7% | rising |
| 75 | Albania | 68.5% | 2024 | up 55.3% | rising |
| 76 | Cameroon | 68.1% | 2024 | up 299.9% | volatile |
| 77 | Azerbaijan | 67.5% | 2024 | up 84.5% | rising |
| 78 | Tajikistan | 66.8% | 2024 | up 369.3% | volatile |
| 79 | Peru | 66.2% | 2024 | up 82.3% | rising |
| 80 | Uzbekistan | 65.3% | 2024 | up 51.8% | rising |
| 81 | Colombia | 64.5% | 2024 | up 36.4% | rising |
| 82 | Nepal | 63.5% | 2024 | up 84.6% | rising |
| 83 | United Republic of Tanzania | 63.2% | 2024 | up 43.3% | rising |
| 84 | Indonesia | 61.8% | 2024 | up 55.4% | rising |
| 85 | Congo | 61.0% | 2024 | up 230.4% | volatile |
| 86 | Bolivia (Plurinational State of) | 59.9% | 2024 | up 26.6% | rising |
| 87 | Togo | 59.6% | 2024 | up 166.2% | rising |
| 88 | Mali | 59.5% | 2024 | up 103.1% | rising |
| 89 | Zimbabwe | 57.9% | 2024 | up 55.0% | rising |
| 90 | Mexico | 57.4% | 2024 | up 20.3% | rising |
| 91 | Jordan | 56.8% | 2024 | up 42.9% | rising |
| 92 | Malawi | 56.2% | 2024 | up 189.8% | rising |
| 93 | Benin | 56.1% | 2024 | up 188.2% | rising |
| 94 | Bangladesh | 55.4% | 2024 | up 41.5% | rising |
| 95 | Philippines | 54.7% | 2024 | up 53.5% | rising |
| 96 | Burkina Faso | 54.3% | 2024 | up 164.9% | rising |
| 97 | State of Palestine | 54.0% | 2024 | up 32.7% | rising |
| 98 | El Salvador | 51.6% | 2024 | up 3.9% | rising |
| 99 | Honduras | 50.0% | 2024 | up 30.9% | rising |
| 100 | Algeria | 48.4% | 2024 | down 26.4% | flat |
| 101 | Egypt | 44.9% | 2024 | up 108.9% | rising |
| 102 | Democratic Republic of the Congo | 44.0% | 2024 | up 128.2% | volatile |
| 103 | Guatemala | 42.3% | 2024 | down 16.2% | rising |
| 104 | Cambodia | 42.2% | 2024 | up 78.3% | volatile |
| 105 | Iraq | 41.3% | 2024 | up 179.7% | rising |
| 106 | Pakistan | 41.2% | 2024 | up 85.1% | rising |
| 107 | Sierra Leone | 40.7% | 2024 | up 129.0% | rising |
| 108 | Guinea | 38.3% | 2024 | up 346.2% | volatile |
| 109 | Mauritania | 33.4% | 2024 | down 5.3% | flat |
| 110 | Lebanon | 32.4% | 2024 | down 51.0% | falling |
| 111 | Nicaragua | 25.8% | 2024 | down 2.2% | rising |
| 112 | Madagascar | 25.1% | 2024 | up 204.1% | volatile |
| 113 | Chad | 24.3% | 2024 | up 69.4% | rising |
| 114 | Niger | 16.4% | 2024 | up 99.6% | volatile |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.
- Western Europe 99.6%
- Northern Europe 99.4%
- China, Hong Kong Special Administrative Region 98.9%
- Oceania 98.7%
- Eastern Asia 98.6%
- Northern America 97.8%
- United States of America 97.7%
- Other non-specified areas in Eastern Asia 97.2%
- Developed regions (Europe, Cyprus, Israel, Northern America, Japan, Australia & New Zealand) 95.9%
- Europe and Northern America 95.4%
- Southern Europe 94.2%
- Europe 94.0%
- Eastern Europe 88.3%
- Southern Africa 84.7%
- Southern Asia 84.1%
- Central and Southern Asia 83.9%
- Americas 83.8%
- South America 82.7%
- Small Island Developing States (SIDS) 82.0%
- Asia 81.3%
- World 79.6%
- Western Asia 77.9%
- Eastern and South-Eastern Asia 76.7%
- Central Asia 76.0%
- Latin America and the Caribbean 75.0%
- Developing regions 74.8%
- South-eastern Asia 69.3%
- Western Africa 64.5%
- Northern Africa and Western Asia 64.2%
- Eastern Africa 63.8%
- Sub-Saharan Africa 63.0%
- Africa 60.9%
- Landlocked developing countries (LLDCs) 59.6%
- Central America 55.1%
- Least Developed Countries (LDCs) 53.2%
- Northern Africa 47.8%
- Middle Africa 47.2%