Table 3 Financial inclusion in Pakistan (2021 Global Findex Database).
From: Determinants of financial inclusion gaps in Pakistan and implications for achieving SDGs
No. of Obs | Mean | Std. Dev | |
|---|---|---|---|
Account ownership | |||
Possession of any financial account | 1002 | 0.24 | 0.43 |
Account ownership at a financial institution | 1002 | 0.19 | 0.39 |
Mobile money account ownership | 1002 | 0.09 | 0.29 |
Digital financial services usage | |||
Accessing account via mobile phone or internet | 145 | 0.21 | 0.41 |
Checking account balance via digital platforms | 142 | 0.20 | 0.40 |
In-store purchases via mobile phone | 1002 | 0.01 | 0.10 |
Online bill payments | 999 | 0.07 | 0.25 |
Online money transfers to friends or relatives | 998 | 0.07 | 0.26 |
Online purchases | 996 | 0.01 | 0.10 |
Credit and debit card usage | |||
Debit card usage | 110 | 0.24 | 0.43 |
In-store debit card usage | 26 | 0.27 | 0.45 |
Credit card ownership | 144 | 0.03 | 0.18 |
Credit card usage | 5 | 0.80 | 0.45 |
In-store credit card usage | 4 | 1.00 | 0.00 |
Deposits and withdrawals | |||
Made any deposit into the account | 141 | 0.62 | 0.49 |
Withdrew from the account | 144 | 0.76 | 0.43 |
Withdrew from the account two or more times per month | 107 | 0.61 | 0.49 |
Used account to store money | 145 | 0.60 | 0.49 |
Saving behavior | |||
Saved for old age | 995 | 0.07 | 0.25 |
Saved through a financial institution account | 991 | 0.03 | 0.17 |
Saved through a mobile money account | 126 | 0.08 | 0.27 |
Participated in an informal savings club | 993 | 0.07 | 0.26 |
