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

Armenia, 2024

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Reference ID

ARM_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

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

Data file: Findex_Microdata_2025_updateArmenia

Overview

Valid: 43

Invalid: 957

Minimum: 1

Maximum: 2

Type: Discrete

Decimal: 0

Width: 12

Range: 1 - 2

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	27	62.8%
2	No	16	37.2%
3	Don't know	0	0%
4	Refused	0	0%
Sysmiss		957

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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