{"type":"survey","doc_desc":{"title":"MKD_2024_FINDEX_v02_M","idno":"DDI_MKD_2024_FINDEX_v02_M_WB","producers":[{"name":"Development Data Group","abbr":"DECDG","affiliation":"World Bank","role":"Documentation of the study"}],"prod_date":"2025-12-15","version_statement":{"version":"Version 02 (2025-12-15)"}},"study_desc":{"title_statement":{"idno":"MKD_2024_FINDEX_v02_M","title":"The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy","alternate_title":"FINDEX 2025"},"authoring_entity":[{"name":"Development Research Group, Finance and Private Sector Development Unit","affiliation":"World Bank"}],"production_statement":{"producers":[{"name":"Gallup, Inc.","abbr":"","affiliation":"","role":"Carried out the survey in association with its annual Gallup World Poll."}],"funding_agencies":[{"name":"Development Research Group, World Bank","abbr":"","role":"Financial Support"},{"name":"Gates Foundation","abbr":"","role":"Financial Support"},{"name":"Mastercard Foundation","abbr":"","role":"Financial Support"},{"name":"Digital Vice Presidency, World Bank","abbr":"","role":"Financial Support"},{"name":"Prosperity Vice Presidency, World Bank","abbr":"","role":"Financial Support"}]},"distribution_statement":{"contact":[{"name":"GlobalFindex","affiliation":"World Bank","email":"globalfindex@worldbank.org","uri":""},{"name":"Alexandra Norris","affiliation":"World Bank","email":"anorris2@worldbank.org","uri":""}],"depositor":[{"name":"Development Research Group, World Bank","abbr":"","affiliation":"","uri":""}]},"series_statement":{"series_name":"Other Household Survey [hh\/oth]","series_info":"The Global Findex is the world\u2019s most comprehensive database on digital and financial inclusion. It is also the only global source of comparable demand-side data, allowing cross-country analysis of how adults access and use mobile phones, the internet, and financial accounts to reach digital information and resources, save, borrow, make payments, and manage their financial health. Data for the Global Findex 2025 were collected from nationally representative surveys of about 145,000 adults in 141 economies. The latest edition follows the 2011, 2014, 2017, and 2021 editions and includes new series measuring mobile phone ownership and internet use, digital safety, and frequency of transactions using financial services."},"version_statement":{"version":"Edited, anonymized dataset for public distribution.","version_date":"2025-09-24","version_notes":"This update to the Global Findex Database 2025 adds 16 new variables from the Identification for Development (ID4D)\u2013Global Findex Database 2025. The indicators include: fin46, fin47, fin48a, fin48b, fin48c, fin48d, fin48e, fin48f, fin49a, fin49b, fin49c, fin49d, fin49e, fin49f, fin50, fin51."},"study_info":{"abstract":"The Global Findex 2025 reveals how mobile technology is equipping more adults around the world to own and use financial accounts to save formally, access credit, make and receive digital payments, and pursue opportunities. Including the inaugural Global Findex Digital Connectivity Tracker, this fifth edition of Global Findex presents new insights on the interactions among mobile phone ownership, internet use, and financial inclusion. \n\nThe Global Findex is the world\u2019s most comprehensive database on digital and financial inclusion. It is also the only global source of comparable demand-side data, allowing cross-country analysis of how adults access and use mobile phones, the internet, and financial accounts to reach digital information and resources, save, borrow, make payments, and manage their financial health. Data for the Global Findex 2025 were collected from nationally representative surveys of about 145,000 adults in 141 economies. The latest edition follows the 2011, 2014, 2017, and 2021 editions and includes new series measuring mobile phone ownership and internet use, digital safety, and frequency of transactions using financial services. \n\nThe Global Findex 2025 is an indispensable resource for policy makers in the fields of digital connectivity and financial inclusion, as well as for practitioners, researchers, and development professionals.","coll_dates":[{"start":"2024-05-01 ","end":"2024-12-31 ","cycle":""}],"nation":[{"name":"North Macedonia","abbreviation":"MKD"}],"geog_coverage":"National Coverage","analysis_unit":"Individual","data_kind":"Observation data\/ratings [obs]"},"method":{"data_collection":{"sampling_procedure":"In most low- and middle-income economies, Global Findex data were collected through face-to-face interviews. In these economies, an area frame design was used for interviewing. In most high-income economies, telephone surveys were used. In 2024, face-to-face interviews were again conducted in 22 economies after phone-based surveys had been employed in 2021 as a result of mobility restrictions related to COVID-19. In addition, an abridged form of the questionnaire was administered by phone to survey participants in Algeria, China, the Islamic Republic of Iran, Libya, Mauritius, and Ukraine because of economy-specific restrictions. In just one economy, Singapore, did the interviewing mode change from face to face in 2021 to phone based in 2024.\n\nIn economies in which face-to-face surveys were conducted, the first stage of sampling was the identification of primary sampling units. These units were then stratified by population size, geography, or both and clustered through one or more stages of sampling. Where population information was available, sample selection was based on probabilities proportional to population size; otherwise, simple random sampling was used. Random route procedures were used to select sampled households. Unless an outright refusal occurred, interviewers made up to three attempts to survey each sampled household. To increase the probability of contact and completion, attempts were made at different times of the day and, where possible, on different days. If an interview could not be completed at a household that was initially part of the sample, a simple substitution method was used to select a replacement household for inclusion.\n\nRespondents were randomly selected within sampled households. Each eligible household member (that is, all those ages 15 or older) was listed, and a handheld survey device randomly selected the household member to be interviewed. For paper surveys, the Kish grid method was used to select the respondent. In economies in which cultural restrictions dictated gender matching, respondents were randomly selected from among all eligible adults of the interviewer\u2019s gender.\n\nIn economies in which Global Findex surveys have traditionally been phone based, respondent selection followed the same procedure as in previous years, using random digit dialing or a nationally representative list of phone numbers. In most economies in which mobile phone and landline penetration is high, a dual sampling frame was used.\n\nThe same procedure for respondent selection was applied to economies in which phone-based interviews were being conducted for the first time. Dual-frame (landline and mobile phone) random digit dialing was used where landline presence and use are 20 percent or higher based on historical Gallup estimates. Mobile phone random digit dialing was used in economies with limited or no landline presence (less than 20 percent).\n\nFor landline respondents in economies in which mobile phone or landline penetration is 80 percent or higher, respondents were selected randomly by using either the next-birthday method or the household enumeration method, which involves listing all eligible household members and randomly selecting one to participate. For mobile phone respondents in these economies or in economies in which mobile phone or landline penetration is less than 80 percent, no further selection was performed. At least three attempts were made to reach the randomly selected person in each household, spread over different days and times of day.","research_instrument":"The English version of the questionnaire is provided for download.","weight":"Data weighting was used to ensure a nationally representative sample for each economy. Final weights consisted of a base sampling weight, which corrects for unequal probability of selection based on household size, and a poststratification weight, which corrects for sampling and nonresponse error. Poststratification weights use economy-level population statistics on gender and age and, where reliable data are available, education or socioeconomic status. Table A.1 of the report shows the data collection period, number of interviews, approximate design effect, and margin of error for each economy, as well as sampling details where relevant."},"analysis_info":{"sampling_error_estimates":"Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins of error, please refer to the Methodology section and corresponding table in: Klapper, Leora, Dorothe Singer, Laura Starita, and Alexandra Norris. 2025. The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy. Washington, DC: World Bank. https:\/\/doi.org\/10.1596\/978-1-4648-2204-9."}},"data_access":{"dataset_use":{"conf_dec":[{"txt":"","required":"","form_no":"","form_uri":""}],"contact":[{"name":"GlobalFindex","affiliation":"World Bank","email":"","uri":""},{"name":"Alexandra Norris","affiliation":"World Bank","email":"","uri":""}],"cit_req":"Use of the dataset must be acknowledged using a citation which would include: \n - the Identification of the Primary Investigator\n - the title of the survey (including country, acronym and year of implementation)\n - the survey reference number\n - the source and date of download\n\n Example:\n Development Research Group, Finance and Private Sector Development Unit (World Bank). North Macedonia - The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy (FINDEX 2025). Ref: MKD_2024_FINDEX_v02_M. 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