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

Albania, Algeria, Argentina...and 137 more, 2024

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Reference ID

WLD_2024_FINDEX_v02_M

Producer(s)

Development Research Group, Finance and Private Sector Development Unit

Metadata

Documentation in PDF DDI/XML JSON

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Created on

Jan 05, 2026

Last modified

Jan 05, 2026

Made a utility payment by handing cash to a bank agent or staff (fin31c)

Data file: findex_microdata_2025_labelled_update112425

Overview

Valid: 1675

Invalid: 142415

Minimum: 1

Maximum: 4

Type: Discrete

Decimal: 0

Width: 12

Range: 1 - 4

Format: Numeric

Questions and instructions

Literal question

In the past 12 months, have you personally made a payment for electricity, water, or trash collection by handing cash to bank staff or an agent? Yes or no?

Categories

Value	Category	Cases
1	Yes	955	57%
2	No	715	42.7%
3	Don't know	4	0.2%
4	Refused	1	0.1%
Sysmiss		142415

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.

Interviewer instructions

[Fin1, Fin2, and Fin13 = "no/dk/r"] and [Fin31A or Fin31B = "yes"]

Others

Notes

Note: "no/dk/r" indicates the response categories: no, dk="don't know" and r="refused" Words in brackets [] indicate local or economy-specific terminology.

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