Countries by made a digital payment, adults, 2017

Norway had the highest made a digital payment, adults of 144 countries in 2017, at 98.88%. Myanmar had the lowest, at 3.56%. The median was 37.83%. Source: the World Bank.

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Highest98.88Norway
Lowest3.56Myanmar
Median37.83144 countries

Map of countries, 2017

United Arab Emirates: 76.07 %Afghanistan: 3.76 %Albania: 14.41 %Armenia: 31.87 %Argentina: 31.87 %Austria: 93.52 %Australia: 93.58 %Azerbaijan: 10.39 %Bosnia and Herzegovina: 32.43 %Bangladesh: 30.13 %Belgium: 96.33 %Burkina Faso: 33.58 %Bulgaria: 41.24 %Benin: 24.99 %Bolivia: 33.05 %Brazil: 45.89 %Botswana: 34.32 %Belarus: 69.34 %Canada: 97.03 %Democratic Republic of the Congo: 19.83 %Central African Republic: 6.36 %Republic of the Congo: 14.17 %Switzerland: 95.22 %Côte d’Ivoire: 35.39 %Chile: 56.43 %Cameroon: 24.5 %China: 59.42 %Colombia: 28.55 %Costa Rica: 46.37 %Cyprus: 65.52 %Czechia: 76.4 %Germany: 96.55 %Denmark: 98.49 %Dominican Republic: 33.22 %Algeria: 15.57 %Ecuador: 22.03 %Estonia: 94.37 %Egypt: 5.88 %Spain: 88.19 %Ethiopia: 6.93 %Finland: 98.15 %France: 89.52 %Gabon: 49.87 %United Kingdom: 94.16 %Georgia: 29.07 %Ghana: 43.41 %Gambia: 12.36 %Guinea: 15.89 %Greece: 56.63 %Guatemala: 26.72 %Hong Kong: 77.44 %Honduras: 30.5 %Croatia: 75.11 %Haiti: 22.7 %Hungary: 61.73 %Indonesia: 26.76 %Ireland: 91.23 %Israel: 86.01 %India: 19.97 %Iraq: 11.12 %Iran: 79.39 %Italy: 86.17 %Jordan: 13.63 %Japan: 88.6 %Kenya: 76.41 %Kyrgyzstan: 26.62 %Cambodia: 12.47 %South Korea: 90.76 %Kuwait: 62.69 %Kazakhstan: 38.32 %Laos: 7.55 %Lebanon: 27.14 %Sri Lanka: 37.35 %Liberia: 24.13 %Lesotho: 33.49 %Lithuania: 67.01 %Luxembourg: 96.84 %Latvia: 83.1 %Libya: 20.76 %Moldova: 29.46 %Montenegro: 45.12 %Madagascar: 12.14 %North Macedonia: 49.09 %Mali: 27.35 %Myanmar: 3.56 %Mongolia: 79.39 %Mauritania: 9.93 %Mauritius: 53.5 %Malawi: 22.27 %Mexico: 22 %Malaysia: 60.1 %Mozambique: 29.6 %Namibia: 63.07 %Niger: 10.41 %Nigeria: 23.72 %Nicaragua: 17.97 %Netherlands: 96.92 %Norway: 98.88 %Nepal: 9.11 %New Zealand: 96.12 %Panama: 25.1 %Peru: 24.53 %Philippines: 13.64 %Pakistan: 14.32 %Poland: 79.04 %Palestine: 8.21 %Portugal: 81.24 %Paraguay: 36.75 %Romania: 32.68 %Serbia: 49.79 %Russia: 61.63 %Rwanda: 31.54 %Saudi Arabia: 57.47 %Sweden: 97.51 %Singapore: 84.44 %Slovenia: 89.93 %Slovakia: 75.9 %Sierra Leone: 13.15 %Senegal: 34.67 %South Sudan: 4.59 %El Salvador: 18.25 %Chad: 17.32 %Togo: 27.02 %Thailand: 43.15 %Tajikistan: 36.96 %Turkmenistan: 9.27 %Tunisia: 19.09 %Türkiye: 54.21 %Trinidad and Tobago: 50.02 %Taiwan: 69.32 %Tanzania: 39.77 %Ukraine: 47.41 %Uganda: 51.27 %United States: 89 %Uruguay: 52.63 %Uzbekistan: 31.69 %Venezuela: 64.81 %Vietnam: 16.1 %South Africa: 43.08 %Zambia: 33.12 %Zimbabwe: 49.2 %
  • Under 16
  • 16 to 27
  • 27 to 37
  • 37 to 58
  • 58 to 85
  • 85 and over
  • No data
%, 2017. Hatched areas have no value for this period. Source: World Bank Global Findex, Global Findex: Made a digital payment (% age 15+) (g20.made). Boundaries: Natural Earth (public domain).

Top 40 countries, 2017

Norway: 98.88 %Norway98.88Denmark: 98.49 %Denmark98.49Finland: 98.15 %Finland98.15Sweden: 97.51 %Sweden97.51Canada: 97.03 %Canada97.03Netherlands: 96.92 %Netherlands96.92Luxembourg: 96.84 %Luxembourg96.84Germany: 96.55 %Germany96.55Belgium: 96.33 %Belgium96.33New Zealand: 96.12 %New Zealand96.12Switzerland: 95.22 %Switzerland95.22Estonia: 94.37 %Estonia94.37United Kingdom: 94.16 %United Kingdom94.16Australia: 93.58 %Australia93.58Austria: 93.52 %Austria93.52Ireland: 91.23 %Ireland91.23South Korea: 90.76 %South Korea90.76Slovenia: 89.93 %Slovenia89.93France: 89.52 %France89.52United States: 89 %United States89Japan: 88.6 %Japan88.6Spain: 88.19 %Spain88.19Italy: 86.17 %Italy86.17Israel: 86.01 %Israel86.01Singapore: 84.44 %Singapore84.44Latvia: 83.1 %Latvia83.1Portugal: 81.24 %Portugal81.24Iran: 79.39 %Iran79.39Mongolia: 79.39 %Mongolia79.39Malta: 79.34 %Malta79.34Poland: 79.04 %Poland79.04Hong Kong: 77.44 %Hong Kong77.44Kenya: 76.41 %Kenya76.41Czechia: 76.4 %Czechia76.4United Arab Emirates: 76.07 %United Arab Emirates76.07Slovakia: 75.9 %Slovakia75.9Croatia: 75.11 %Croatia75.11Belarus: 69.34 %Belarus69.34Taiwan: 69.32 %Taiwan69.32Bahrain: 68.65 %Bahrain68.65Norway: 98.88 %Norway98.88Denmark: 98.49 %Denmark98.49Finland: 98.15 %Finland98.15Sweden: 97.51 %Sweden97.51Canada: 97.03 %Canada97.03Netherlands: 96.92 %Netherlands96.92Luxembourg: 96.84 %Luxembourg96.84Germany: 96.55 %Germany96.55Belgium: 96.33 %Belgium96.33New Zealand: 96.12 %New Zealand96.12Switzerland: 95.22 %Switzerland95.22Estonia: 94.37 %Estonia94.37United Kingdom: 94.16 %United Kingdom94.16Australia: 93.58 %Australia93.58Austria: 93.52 %Austria93.52Ireland: 91.23 %Ireland91.23South Korea: 90.76 %South Korea90.76Slovenia: 89.93 %Slovenia89.93France: 89.52 %France89.52United States: 89 %United States89Japan: 88.6 %Japan88.6Spain: 88.19 %Spain88.19Italy: 86.17 %Italy86.17Israel: 86.01 %Israel86.01Singapore: 84.44 %Singapore84.44Latvia: 83.1 %Latvia83.1Portugal: 81.24 %Portugal81.24Iran: 79.39 %Iran79.39Mongolia: 79.39 %Mongolia79.39Malta: 79.34 %Malta79.34Poland: 79.04 %Poland79.04Hong Kong: 77.44 %Hong Kong77.44Kenya: 76.41 %Kenya76.41Czechia: 76.4 %Czechia76.4United Arab Emirates: 76.07 %United Arab Emirates76.07Slovakia: 75.9 %Slovakia75.9Croatia: 75.11 %Croatia75.11Belarus: 69.34 %Belarus69.34Taiwan: 69.32 %Taiwan69.32Bahrain: 68.65 %Bahrain68.65
%. Source: World Bank Global Findex, Global Findex: Made a digital payment (% age 15+) (g20.made). Retrieved 2026-10-12.

Full ranking

RankCountries2017 (%)
1Norway98.88
2Denmark98.49
3Finland98.15
4Sweden97.51
5Canada97.03
6Netherlands96.92
7Luxembourg96.84
8Germany96.55
9Belgium96.33
10New Zealand96.12
11Switzerland95.22
12Estonia94.37
13United Kingdom94.16
14Australia93.58
15Austria93.52
16Ireland91.23
17South Korea90.76
18Slovenia89.93
19France89.52
20United States89
21Japan88.6
22Spain88.19
23Italy86.17
24Israel86.01
25Singapore84.44
26Latvia83.1
27Portugal81.24
28Iran79.39
29Mongolia79.39
30Malta79.34
31Poland79.04
32Hong Kong77.44
33Kenya76.41
34Czechia76.4
35United Arab Emirates76.07
36Slovakia75.9
37Croatia75.11
38Belarus69.34
39Taiwan69.32
40Bahrain68.65
41Lithuania67.01
42Cyprus65.52
43Venezuela64.81
44Namibia63.07
45Kuwait62.69
46Hungary61.73
47Russia61.63
48Maldives60.6
49Malaysia60.1
50China59.42
51Saudi Arabia57.47
52Greece56.63
53Chile56.43
54Türkiye54.21
55Mauritius53.5
56Uruguay52.63
57Uganda51.27
58Trinidad and Tobago50.02
59Gabon49.87
60Serbia49.79
61Zimbabwe49.2
62North Macedonia49.09
63Ukraine47.41
64Costa Rica46.37
65Brazil45.89
66Montenegro45.12
67Ghana43.41
68Thailand43.15
69South Africa43.08
70Bulgaria41.24
71Tanzania39.77
72Kazakhstan38.32
73Sri Lanka37.35
74Tajikistan36.96
75Paraguay36.75
76Côte d’Ivoire35.39
77Senegal34.67
78Botswana34.32
79Burkina Faso33.58
80Lesotho33.49
81Dominican Republic33.22
82Zambia33.12
83Bolivia33.05
84Romania32.68
85Bosnia and Herzegovina32.43
86Armenia31.87
87Argentina31.87
88Uzbekistan31.69
89Rwanda31.54
90Honduras30.5
91Bangladesh30.13
92Mozambique29.6
93Moldova29.46
94Georgia29.07
95Colombia28.55
96Mali27.35
97Lebanon27.14
98Togo27.02
99Indonesia26.76
100Guatemala26.72
101Kyrgyzstan26.62
102Panama25.1
103Benin24.99
104Peru24.53
105Cameroon24.5
106Liberia24.13
107Nigeria23.72
108Haiti22.7
109Malawi22.27
110Ecuador22.03
111Mexico22
112Libya20.76
113India19.97
114Democratic Republic of the Congo19.83
115Tunisia19.09
116El Salvador18.25
117Nicaragua17.97
118Chad17.32
119Vietnam16.1
120Guinea15.89
121Algeria15.57
122Albania14.41
123Pakistan14.32
124Republic of the Congo14.17
125Philippines13.64
126Jordan13.63
127Sierra Leone13.15
128Cambodia12.47
129Gambia12.36
130Madagascar12.14
131Iraq11.12
132Niger10.41
133Azerbaijan10.39
134Mauritania9.93
135Turkmenistan9.27
136Nepal9.11
137Palestine8.21
138Laos7.55
139Ethiopia6.93
140Central African Republic6.36
141Egypt5.88
142South Sudan4.59
143Afghanistan3.76
144Myanmar3.56

Other periods

About this ranking

Percentage of respondents aged 15 and over who used mobile money, a debit or credit card, or a phone to pay from an account, or the internet to pay bills or make purchases, in the past 12 months. Includes bills and domestic remittances paid from a financial institution or mobile money account.

Global Findex survey estimates for people aged 15 and over, or the named subgroup. Percentages use all respondents in that population, not only savers, borrowers or account owners. Only published survey years are stored; no values are interpolated or carried forward. The 2025 edition reports 2024 fieldwork. Some earlier-wave surveys were conducted in 2022; the publisher year labels are retained. In 2024, account and debit-card ownership were asked more widely than other financial-use questions, so available years vary by measure and economy. Survey coverage and questions can change between waves.

Every value in the ranking comes from the same publisher and the same period, so the countries are compared on one definition. 13 countries with data in other periods have no value for 2017 and are left out rather than filled from another source. Equal values share a rank.

How to cite

World Bank, Global Findex Database. Global Findex: Made a digital payment  (% age 15+) (g20.made). https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

World Bank. (2025). Global Findex: Made a digital payment (% age 15+) (g20.made) (Countries by made a digital payment, adults, 2017) [Data set]. Retrieved October 12, 2026, from https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28

MLA 9

Global Findex: Made a digital payment (% age 15+) (g20.made), Countries by made a digital payment, adults, 2017. World Bank, 6 Oct. 2025, https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28. Invokely, https://invokely.ai/rankings/made-digital-payment-adults/countries. Accessed 12 Oct. 2026.

Chicago (author-date)

World Bank. 2025. Global Findex: Made a digital payment (% age 15+) (g20.made). Countries by made a digital payment, adults, 2017. Dataset. Accessed October 12, 2026. https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28. Also distributed by Invokely, https://invokely.ai/rankings/made-digital-payment-adults/countries.

Harvard

World Bank (2025) Global Findex: Made a digital payment (% age 15+) (g20.made), Countries by made a digital payment, adults, 2017 [Dataset]. Available at: https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28, via Invokely: https://invokely.ai/rankings/made-digital-payment-adults/countries (Accessed: 12 October 2026).

BibTeX
@misc{world_countries_by_made_a_2017,
  author = {{World Bank}},
  title = {{Global Findex: Made a digital payment (\% age 15+) (g20.made): Countries by made a digital payment, adults, 2017}},
  year = {2025},
  howpublished = {Data set},
  url = {https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/made-digital-payment-adults/countries. Publisher attribution: World Bank, Global Findex Database. Global Findex: Made a digital payment (\% age 15+) (g20.made). https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json\&per\_page=20000\&date=2011:2024\&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.},
}
RIS
TY  - DATA
AU  - World Bank
TI  - Global Findex: Made a digital payment (% age 15+) (g20.made): Countries by made a digital payment, adults, 2017
PY  - 2025
DA  - 2025/10/06
PB  - World Bank
DB  - Invokely
UR  - https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28
L2  - https://invokely.ai/rankings/made-digital-payment-adults/countries
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/made-digital-payment-adults/countries.
N1  - Publisher attribution: World Bank, Global Findex Database. Global Findex: Made a digital payment (% age 15+) (g20.made). https://api.worldbank.org/v2/country/all/indicator/g20.made?format=json&per_page=20000&date=2011:2024&source=28. Retrieved 2026-10-12. Licensed under CC BY 4.0.
ER  - 
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Questions

Which country has the highest made a digital payment, adults?

Norway, with 98.88% in 2017, according to the World Bank.

Which country has the lowest made a digital payment, adults?

Myanmar, with 3.56% in 2017.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: World Bank, Global Findex: Made a digital payment (% age 15+) (g20.made). Retrieved 2026-10-12. 13 countries have no value for 2017 and are not ranked.

Made a digital payment, adults: other rankings

Countries: more rankings