Global Findex financial-inclusion waves (World Bank)

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Triennial Global Findex financial-inclusion panel (World Bank Global Financial Inclusion Database, waves 2011/2014/2017/2021/2024, 140+ economies, keyless API): account ownership (total + sex, age, income-quintile and urban-rural splits), mobile-money accounts, debit-card ownership and formal saving, plus a derived ML layer — gender/income/age/urban-rural inclusion gaps, wave-over-wave account changes, a gender-gap-narrowing flag, fixed-cut inclusion tiers, a 0-100 composite inclusion index and per-wave cross-country ranks. All rows carry normalized ISO country codes so they join cleanly with other macro and fintech data. Raw data: World Bank, Global Findex Database.

Source: Global Findex financial-inclusion signals
Rows: 710
Columns: 27
Source cadence: Yearly
Last refreshed: Oct 2, 2026
Theme: finance

Column	Type	Description
date	date	Observation wave year (World Bank Findex wave; mapped to YYYY-01-01).
country	string	Country name via the hub normalization layer.
country_code	string	ISO 3166-1 alpha-3 country code.
findex_wave	integer	Global Findex survey wave year: headline waves 2011, 2014, 2017, 2021 or 2024 (the 2025 Findex release reports 2024 data), plus a 2022 interim wave for 16 economies missing 2021 coverage.
account_total	float	World Bank Global Findex series account.t.d: Account (% age 15+) All values are percent of the stated population.
account_female	float	World Bank Global Findex series account.t.d.1: Account, female (% age 15+) All values are percent of the stated population.
account_male	float	World Bank Global Findex series account.t.d.2: Account, male (% age 15+) All values are percent of the stated population.
account_young	float	World Bank Global Findex series account.t.d.3: Account, young (% ages 15-24) All values are percent of the stated population.
account_older	float	World Bank Global Findex series account.t.d.4: Account, older (% age 25+) All values are percent of the stated population.
account_poorest40	float	World Bank Global Findex series account.t.d.7: Account, income, poorest 40% (% ages 15+) All values are percent of the stated population.
account_richest60	float	World Bank Global Findex series account.t.d.8: Account, income, richest 60% (% ages 15+) All values are percent of the stated population.
account_rural	float	World Bank Global Findex series account.t.d.9: Account, rural (% age 15+) All values are percent of the stated population.
account_urban	float	World Bank Global Findex series account.t.d.10: Account, urban (% age 15+) All values are percent of the stated population.
mobile_money	float	World Bank Global Findex series mobileaccount.t.d: Mobile money account (% age 15+) All values are percent of the stated population.
debit_card	float	World Bank Global Findex series fin2.t.d: Owns a debit card (% age 15+) All values are percent of the stated population.
saved_fi_mobile	float	World Bank Global Findex series fin17a.17a1.d: Saved at a financial institution or using a mobile money account (% age 15+) All values are percent of the stated population.
saved_old_age	float	World Bank Global Findex series fin17f: Saved for old age (% age 15+) All values are percent of the stated population.
gender_gap_pp	float	Account-ownership gender gap: male minus female, in percentage points.
income_gap_pp	float	Account-ownership income gap: richest 60% minus poorest 40%, in percentage points.
age_gap_pp	float	Account-ownership age gap: older (25+) minus young (15-24), in percentage points.
urban_rural_gap_pp	float	Account-ownership urban-rural gap: urban minus rural, in percentage points. The urban/rural splits are only published for the 2024 wave.
acct_change_pp_prev_wave	float	Change in headline account ownership vs the previous Findex wave, in percentage points.
gender_gap_narrowing_flag	integer	1 when the gender gap shrank vs the previous Findex wave, else 0.
inclusion_tier	string	Fixed-cut inclusion tier on headline account ownership: frontier (>=90), advanced (>=75), emerging (>=50), nascent (>=25), excluded (<25).
inclusion_index_0_100	float	Composite inclusion index (0-100): 0.5 * account_total + 0.25 * debit_card + 0.25 * saved_fi_mobile; null when any component is missing.
account_rank	integer	Per-wave cross-country rank on headline account ownership (1 = most included).
row_hash	string	Deterministic 12-hex row identity hash over source, country, date and rounded raw values.

First 10 sample rows — a preview, not the complete dataset.

date	country	country_code	findex_wave	account_total	account_female	account_male	account_young	account_older	account_poorest40	account_richest60	account_rural	account_urban	mobile_money	debit_card	saved_fi_mobile	saved_old_age	gender_gap_pp	income_gap_pp	age_gap_pp	urban_rural_gap_pp	acct_change_pp_prev_wave	gender_gap_narrowing_flag	inclusion_tier	inclusion_index_0_100	account_rank	row_hash
2011-01-01	Afghanistan	AFG	2,011	9.005	—	—	—	—	—	—	—	—	—	4.708	2.819	—	—	—	—	—	—	0	excluded	6.384	129	ea54a003a4b0
2014-01-01	Afghanistan	AFG	2,014	9.961	—	—	—	—	—	—	—	—	0.304	1.659	3.566	—	—	—	—	—	0.956	0	excluded	6.287	137	c02a607a3d08
2017-01-01	Afghanistan	AFG	2,017	14.893	7.161	22.536	9.753	18.016	13.803	15.619	—	—	0.914	2.708	3.668	—	15.376	1.817	8.264	—	4.932	0	excluded	9.041	143	6f49614ddd9e
2021-01-01	Afghanistan	AFG	2,021	9.654	—	—	—	—	—	—	—	—	0	2.596	1.337	—	—	—	—	—	-5.239	0	excluded	5.81	122	80102a053568
2011-01-01	Angola	AGO	2,011	39.204	38.928	39.481	30.458	44.314	—	—	—	—	—	29.759	15.916	—	0.553	—	13.856	—	—	0	nascent	31.02	71	a7114ea4bfbb
2014-01-01	Angola	AGO	2,014	29.318	22.332	36.132	14.865	37.669	12.544	40.46	—	—	—	21.409	14.86	—	13.8	27.916	22.804	—	-9.885	0	nascent	23.726	106	4e9c3ff0def2
2011-01-01	Albania	ALB	2,011	28.268	22.673	33.665	26.404	28.729	17.519	35.411	—	—	—	21.124	8.562	—	10.992	17.893	2.326	—	—	0	nascent	21.555	86	e076f72ddbb4
2014-01-01	Albania	ALB	2,014	37.986	33.594	42.52	29.965	40.403	23.89	47.379	—	—	—	21.844	7.483	—	8.925	23.489	10.438	—	9.718	1	nascent	26.325	93	fdfa0d4e601a
2017-01-01	Albania	ALB	2,017	40.015	38.103	42.044	31.501	42.513	22.751	51.506	—	—	2.378	26.886	8.661	—	3.941	28.755	11.013	—	2.029	1	nascent	28.894	109	b86ead623868
2021-01-01	Albania	ALB	2,021	44.174	45.686	42.585	43.867	44.26	27.266	55.409	—	—	—	26.984	9.659	—	-3.101	28.143	0.393	—	4.159	1	nascent	31.248	102	138dfb9b0a2a

Profiled Oct 2, 2026 from snapshot 20261002T081538Z-7dc77c4b4a91

Measured

Completeness: 83.1%
Rows: 710
Columns: 27
Columns with gaps: 17

Rows per yeardate · 2011–2024 · 6 years

20112024

Column	Missing	Distinct	Range	Distribution
datedate	0%	6	Jan 1, 2011 → Jan 1, 2024	—
countryvarchar	0%	167	—	5 Albania5 Algeria5
country_codevarchar	0%	211	—	ALB5 ARG5 ARM5
findex_wavebigint	0%	6	2,011 → 2,024median 2,017
account_totaldouble	0%	708	0.4049 → 100median 59.69	16 outside 1st–99th percentile
account_femaledouble	3.7%	681	2.95 → 100median 59.65	7 outside 1st–99th percentile
account_maledouble	3.7%	608	11.15 → 100median 66.94	7 outside 1st–99th percentile
account_youngdouble	3.7%	754	2.84 → 100median 49.38	7 outside 1st–99th percentile
account_olderdouble	3.7%	737	10.89 → 100median 65.72	7 outside 1st–99th percentile
account_poorest40double	5.5%	708	2.3 → 100median 51.39	7 outside 1st–99th percentile
account_richest60double	5.5%	684	11.36 → 100median 70.17	7 outside 1st–99th percentile
account_ruraldouble	80.6%	153	15.06 → 100median 71.09	2 outside 1st–99th percentile
account_urbandouble	80.4%	118	13.66 → 100median 79.09	4 outside 1st–99th percentile
mobile_moneydouble	56.2%	291	0 → 87.5median 12.66	8 outside 1st–99th percentile
debit_carddouble	0%	754	0.2695 → 99.02median 34.62	16 outside 1st–99th percentile
saved_fi_mobiledouble	5.9%	744	0.1173 → 80.93median 17.94	14 outside 1st–99th percentile
saved_old_agedouble	86.2%	104	0.4398 → 43.43median 5.95	2 outside 1st–99th percentile
gender_gap_ppdouble	3.7%	769	-14.71 → 57.49median 4.67	14 outside 1st–99th percentile
income_gap_ppdouble	5.5%	567	-4.45 → 41.69median 12.1	14 outside 1st–99th percentile
age_gap_ppdouble	3.7%	823	-16.16 → 53.54median 9.41	14 outside 1st–99th percentile
urban_rural_gap_ppdouble	80.7%	168	-5.71 → 32.48median 4.46	4 outside 1st–99th percentile
acct_change_pp_prev_wavedouble	22.8%	503	-32.55 → 40.17median 4.41	12 outside 1st–99th percentile
gender_gap_narrowing_flagbigint	0%	2	0 → 1median 0
inclusion_tiervarchar	0%	5	—	nascent176 frontier161 emerging160
inclusion_index_0_100double	5.9%	694	0.2992 → 94.41median 40.06	14 outside 1st–99th percentile
account_rankbigint	0%	151	1 → 145median 68	8 outside 1st–99th percentile
row_hashvarchar	0%	777	—	0011c3d2c7b21 00ed2c3a885a1 0122a6ac43911

Point any LLM at the metadata endpoint — the documentation above is machine-readable too (JSON-LD + Croissant).

cURL

curl "https://datazimuts.com/v1/datasets/wb_findex_intel/financial_inclusion_findex_waves" | jq '{title, rows, columns_count, license}'

Python

import requests

ds = requests.get("https://datazimuts.com/v1/datasets/wb_findex_intel/financial_inclusion_findex_waves").json()
print(ds["title"], ds["rows"], "rows")

# Sample rows for an LLM context window
for row in ds.get("sample_rows", [])[:5]:
    print(row)

API endpoint: https://datazimuts.com/v1/datasets/wb_findex_intel/financial_inclusion_findex_waves

Tip: fetch /llms.txt for the full machine-readable catalog.

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Pinned to snapshot 20261002T081538Z-7dc77c4b4a91 and its content hash, so readers get exactly the data you used.

APA

Global Findex financial-inclusion signals. (2026). Global Findex financial-inclusion waves (World Bank) [Data set, snapshot 20261002T081538Z-7dc77c4b4a91, sha256 7dc77c4b4a91]. Datazimuts. Retrieved 2026-10-02, from https://datazimuts.com/en/datasets/wb_findex_intel/financial_inclusion_findex_waves?snapshot=20261002T081538Z-7dc77c4b4a91

BibTeX

@misc{dz_wb_findex_intel_financial_inclusion_find_7dc77c4b,
  title        = {{Global Findex financial-inclusion waves (World Bank)}},
  author       = {{Global Findex financial-inclusion signals}},
  year         = {2026},
  publisher    = {Datazimuts},
  howpublished = {\url{https://datazimuts.com/en/datasets/wb_findex_intel/financial_inclusion_findex_waves?snapshot=20261002T081538Z-7dc77c4b4a91}},
  note         = {Snapshot 20261002T081538Z-7dc77c4b4a91, sha256 7dc77c4b4a91522fa48bb2a3209ad911a7d4ecdeff9528e8879794679a141483; accessed 2026-10-02}
}

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Global Findex financial-inclusion waves (World Bank)

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