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

Ghana, 2024

Get Microdata

Reference ID

GHA_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_updateGhana

Overview

Valid: 583

Invalid: 417

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	73	12.5%
2	Because it's more expensive to pay using a card or phone	38	6.5%
3	Because you don't trust payments using a card or phone	34	5.8%
4	Because you're used to paying by cash	398	68.3%
5	Some other reason	20	3.4%
6	Don't know	16	2.7%
7	Refused	4	0.7%
Sysmiss		417

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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