The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy

Montenegro, 2024

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Reference ID

MNE_2024_FINDEX_v02_M

Producer(s)

Development Research Group, Finance and Private Sector Development Unit

Metadata

Documentation in PDF DDI/XML JSON

Study website

Created on

Jan 05, 2026

Last modified

Jan 05, 2026

Main reason for only using cash for in-store merchant payments (fin25e4)

Data file: Findex_Microdata_2025_updateMontenegro

Overview

Valid: 434

Invalid: 566

Minimum: 1

Maximum: 7

Type: Discrete

Decimal: 0

Width: 56

Range: 1 - 7

Format: Numeric

Questions and instructions

Categories

Value	Category	Cases
1	Because the merchant(s) only accepts cash	7	1.6%
2	Because it's more expensive to pay using a card or phone	26	6%
3	Because you don't trust payments using a card or phone	40	9.2%
4	Because you're used to paying by cash	332	76.5%
5	Some other reason	16	3.7%
6	Don't know	12	2.8%
7	Refused	1	0.2%
Sysmiss		566

Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.

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