The data illustrates near-universal account ownership in developed countries, showcasing a saturation point in regions like Northern and Western Europe, Australasia, and parts of Asia. Countries with relatively lower ownership rates include emerging markets and developing economies, revealing significant potential for financial inclusion growth. However, even in these markets, account ownership among the wealthiest 60% exceeds 45%.
Future trends to observe include technological advancements in fintech, especially in regions with lower account penetration. Mobile money service adoption and innovations in digital banking can drive increased financial inclusion, particularly in emerging markets where infrastructure and access have been traditional barriers.
Top countries in Account Ownership at a Financial Institution or with a Mobile-Money-Service Provider Among the Richest 60% by Country
| # | 10 Countries | Percent of Persons Aged 15+ | Last Year | |
|---|---|---|---|---|
| 1 | 1 Finland | 100 | 2021 | View data |
| 2 | 2 Germany | 100 | 2021 | View data |
| 3 | 3 Netherlands | 100 | 2021 | View data |
| 4 | 4 Sweden | 100 | 2021 | View data |
| 5 | 5 Australia | 100 | 2021 | View data |
| 6 | 6 Slovenia | 100 | 2021 | View data |
| 7 | 7 New Zealand | 100 | 2021 | View data |
| 8 | 8 Norway | 100 | 2021 | View data |
| 9 | 9 Denmark | 100 | 2021 | View data |
| 10 | 10 Austria | 99.92 | 2021 | View data |
