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Measurement in Financial Inclusion


The increasing prominence of financial inclusion as a tool for development and growth has spawned extensive data-gathering initiatives to measure, understand and improve it. The result is a variety of new measurement frameworks that leverage this data.

Early indications suggest that financial inclusion targets (such as the percentage of adults with a bank account) remain valid, but they don’t tell you much when tracked in isolation. Are people actually using their financial services, can serve as a useful measurement of consumer status or outcomes, and, more importantly, what is the impact on livelihoods?

See how we are working to change the way financial inclusion is viewed and the data used to measure it.

The Latest in Measurement in Financial Inclusion

Into Africa: Digitisation and financial services
A publication for Capital Markets in Africa Digitalisation: Africa's future "Across Africa, eCommerce platforms flanked by payments, logistics, [...]
Understanding the usage of financial services in Southern Africa
The recent 2017 Findex findings have triggered another round of important discussions on usage in financial inclusion. They highlight that, in the [...]
Can the usage issue in financial inclusion be solved?
Recent Findex findings show that account ownership has increased, globally. But more people than ever are not using their accounts. And while digital [...]
Means to an end: A conceptual framework for outcomes of financial service usage
Why focus on outcomes of use? The drive for greater financial inclusion is based on the understanding that financial inclusion has impacts on public [...]
A needs-based approach to financial inclusion measurement in Zimbabwe
Financial inclusion is an important tool for enabling development and improving the lives of the poor across the globe. Up to now, most governments [...]
Why are financial services not used more?
Many people don’t actively use formal financial services. Understanding why can render important policy insights. This note unpacks the various [...]
A woman’s financial life: Does traditional data get it?
Whereas financial inclusion has seen a steady increase over the past few years, this positive trend has not necessarily taken women along. A gender [...]
A client-centred approach to measuring financial inclusion
A better way to measure financial inclusion – see why we believe financial needs and usage [...]
Deeper drivers of financial decision-making not fully understood
Jonathan Zinman explains why he thinks further research is required in order better understand the drivers of decision-making and the ways in which [...]
Banking on trust: Building trust to drive usage of financial services
Joseph, a smallholder sugarcane farmer in Swaziland, stopped contributing to his funeral insurance cover – preferring to rely on his neighbours in [...]