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

North Macedonia, 2024

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Reference ID

MKD_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_updateNorth Macedonia

Overview

Valid: 341

Invalid: 659

Minimum: 1

Maximum: 6

Type: Discrete

Decimal: 0

Width: 56

Range: 1 - 6

Format: Numeric

Questions and instructions

Categories

Value	Category	Cases
1	Because the merchant(s) only accepts cash	13	3.8%
2	Because it's more expensive to pay using a card or phone	7	2.1%
3	Because you don't trust payments using a card or phone	36	10.6%
4	Because you're used to paying by cash	262	76.8%
5	Some other reason	20	5.9%
6	Don't know	3	0.9%
7	Refused	0	0%
Sysmiss		659

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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