Table 1

The summary of measurement variables and data sources

Traditional financial inclusion indexDigital financial inclusion index
AccessAccess
No. of automated teller machines per 100,000 adultsMobile cellular subscription per 100 people
No. of branches per 100,000 adultsA number of registered mobile money accounts
% of mobile Internet users
UsageUsage
No. of deposit accounts with commercial banks per 1,000 adultsMobile payments accounts
No. of borrowers from commercial banks per 1,000 adultsNo. of mobile money transactions per 1,000 adults
No. of debit cards per 1,000 adultsMakes online purchases or pays an online bill
No. of credit cards per 1,000 adultsMade an online purchase via mobile
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