Category
Digital Lending Statistics (2026)
Formal and mobile-money borrowing by adults (Global Findex), plus bank borrowers, private-sector credit depth, lending rates and loan performance from the World Bank and IMF Financial Access Survey.
FinStatGlobe tracks 7 indicators in this category, with observed data for up to 160 countries. Every figure below is shown verbatim from the source dataset and cites its actual data year.
Formal Borrowing
Measured as % of adults (age 15+). Tracked in 142 countries; highest value: Canada at 81% (2021).
| # | Country | Value | Year |
|---|---|---|---|
| 1 | Canada | 81% | 2021 |
| 2 | Israel | 79.5% | 2021 |
| 3 | Iceland | 73.4% | 2021 |
| 4 | Hong Kong | 70% | 2021 |
| 5 | South Korea | 68.6% | 2021 |
| 6 | Norway | 66.8% | 2021 |
| 7 | United States | 66.2% | 2021 |
| 8 | Switzerland | 61.4% | 2021 |
| 9 | Japan | 61.2% | 2021 |
| 10 | New Zealand | 60.4% | 2021 |
Ranks count all 142 economies with a qualifying recent observation — the same denominator as the country pages — including 2 with a single observation, which have no dedicated page here and are shown without links.
All 142 countries with data
Afghanistan, Albania, Algeria, Argentina, Armenia, Australia, Austria, Azerbaijan, Bangladesh, Belgium, Belize, Benin, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Bulgaria, Burkina Faso, Cambodia, Cameroon, Canada, Chad, Chile, China, Colombia, Comoros, Costa Rica, Cote d'Ivoire, Croatia, Cyprus, Czechia, Denmark, Dominican Republic, DR Congo, Ecuador, Egypt, El Salvador, Estonia, Eswatini, Ethiopia, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Guatemala, Guinea, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Iran, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kosovo, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Lithuania, Madagascar, Malawi, Malaysia, Mali, Malta, Mauritania, Mauritius, Mexico, Moldova, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palestine, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Republic of the Congo, Romania, Russia, Saudi Arabia, Senegal, Serbia, Sierra Leone, Singapore, Slovakia, Slovenia, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Togo, Tunisia, Turkiye, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Venezuela, Vietnam, Yemen, Zambia, Zimbabwe
Source: World Bank Global Findex . Latest observed values per country; data years vary.
Formal & Mobile Money Borrowing
Measured as % of adults (age 15+). Tracked in 142 countries; highest value: Canada at 81% (2021).
| # | Country | Value | Year |
|---|---|---|---|
| 1 | Canada | 81% | 2021 |
| 2 | Israel | 79.5% | 2021 |
| 3 | Iceland | 73.4% | 2021 |
| 4 | Hong Kong | 70% | 2021 |
| 5 | South Korea | 68.6% | 2021 |
| 6 | Norway | 66.8% | 2021 |
| 7 | United States | 66.2% | 2021 |
| 8 | Switzerland | 61.4% | 2021 |
| 9 | Japan | 61.2% | 2021 |
| 10 | New Zealand | 60.4% | 2021 |
Ranks count all 142 economies with a qualifying recent observation — the same denominator as the country pages — including 2 with a single observation, which have no dedicated page here and are shown without links.
All 142 countries with data
Afghanistan, Albania, Algeria, Argentina, Armenia, Australia, Austria, Azerbaijan, Bangladesh, Belgium, Belize, Benin, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Bulgaria, Burkina Faso, Cambodia, Cameroon, Canada, Chad, Chile, China, Colombia, Comoros, Costa Rica, Cote d'Ivoire, Croatia, Cyprus, Czechia, Denmark, Dominican Republic, DR Congo, Ecuador, Egypt, El Salvador, Estonia, Eswatini, Ethiopia, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Guatemala, Guinea, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Iran, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kosovo, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Lithuania, Madagascar, Malawi, Malaysia, Mali, Malta, Mauritania, Mauritius, Mexico, Moldova, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nepal, Netherlands, New Zealand, Nicaragua, Niger, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palestine, Panama, Paraguay, Peru, Philippines, Poland, Portugal, Republic of the Congo, Romania, Russia, Saudi Arabia, Senegal, Serbia, Sierra Leone, Singapore, Slovakia, Slovenia, South Africa, South Korea, South Sudan, Spain, Sri Lanka, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Togo, Tunisia, Turkiye, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Venezuela, Vietnam, Yemen, Zambia, Zimbabwe
Source: World Bank Global Findex . Latest observed values per country; data years vary.
Bank Borrowers
Measured as per 1,000 adults. Tracked in 101 countries; highest value: Singapore at 1,073.7 per 1,000 adults (2020).
| # | Country | Value | Year |
|---|---|---|---|
| 1 | Singapore | 1,073.7 per 1,000 adults | 2020 |
| 2 | Turkiye | 984.8 per 1,000 adults | 2023 |
| 3 | Brazil | 736.1 per 1,000 adults | 2023 |
| 4 | Uruguay | 732.4 per 1,000 adults | 2023 |
| 5 | United Arab Emirates | 683.6 per 1,000 adults | 2023 |
| 6 | Belgium | 673 per 1,000 adults | 2021 |
| 7 | China | 640.7 per 1,000 adults | 2023 |
| 8 | Italy | 583.8 per 1,000 adults | 2023 |
| 9 | Serbia | 546 per 1,000 adults | 2023 |
| 10 | Georgia | 527.8 per 1,000 adults | 2023 |
Ranks count all 101 economies with a qualifying recent observation — the same denominator as the country pages — including 2 with a single observation, which have no dedicated page here and are shown without links.
All 101 countries with data
Albania, Algeria, Angola, Argentina, Azerbaijan, Bangladesh, Belgium, Belize, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cameroon, Cape Verde, Chad, Chile, China, Colombia, Comoros, Costa Rica, Croatia, Cyprus, Djibouti, Dominican Republic, Ecuador, Egypt, Equatorial Guinea, Estonia, Eswatini, Georgia, Ghana, Guatemala, Guinea, Haiti, Honduras, Hungary, Indonesia, Italy, Kenya, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Lithuania, Madagascar, Malawi, Malaysia, Maldives, Malta, Mauritania, Mauritius, Moldova, Montenegro, Mozambique, Namibia, Niger, Nigeria, North Macedonia, Pakistan, Palestine, Paraguay, Peru, Poland, Portugal, Qatar, Republic of the Congo, Romania, Rwanda, Samoa, San Marino, Sao Tome and Principe, Saudi Arabia, Serbia, Seychelles, Singapore, Solomon Islands, South Sudan, Spain, Suriname, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tunisia, Turkiye, Uganda, United Arab Emirates, Uruguay, Uzbekistan, Vanuatu, Zambia, Zimbabwe
Source: World Bank World Development Indicators . Latest observed values per country; data years vary.
Private Sector Credit
Measured as % of GDP. Tracked in 160 countries; highest value: Hong Kong at 231% of GDP (2024).
| # | Country | Value | Year |
|---|---|---|---|
| 1 | Hong Kong | 231% of GDP | 2024 |
| 2 | United States | 201.2% of GDP | 2024 |
| 3 | Japan | 194.6% of GDP | 2024 |
| 4 | China | 194.2% of GDP | 2024 |
| 5 | South Korea | 160.3% of GDP | 2024 |
| 6 | Thailand | 147.1% of GDP | 2024 |
| 7 | Denmark | 144.1% of GDP | 2024 |
| 8 | New Zealand | 142.6% of GDP | 2024 |
| 9 | Macau | 129.6% of GDP | 2024 |
| 10 | Australia | 129.3% of GDP | 2024 |
All 160 countries with data
Afghanistan, Albania, Algeria, Angola, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bangladesh, Barbados, Belarus, Belgium, Belize, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cambodia, Cape Verde, Central African Republic, Chad, Chile, China, Colombia, Comoros, Costa Rica, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, DR Congo, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Eswatini, Fiji, Finland, France, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Guyana, Haiti, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Israel, Italy, Jamaica, Japan, Jordan, Kazakhstan, Kenya, Kosovo, Kyrgyzstan, Latvia, Lesotho, Liberia, Libya, Lithuania, Luxembourg, Macau, Madagascar, Malawi, Malaysia, Maldives, Malta, Mauritius, Mexico, Micronesia, Moldova, Mongolia, Montenegro, Morocco, Mozambique, Myanmar, Namibia, Nepal, Netherlands, New Zealand, Nicaragua, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Qatar, Republic of the Congo, Romania, Russia, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, Sao Tome and Principe, Serbia, Sierra Leone, Singapore, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Korea, South Sudan, Spain, Sudan, Suriname, Sweden, Tajikistan, Tanzania, Thailand, Timor-Leste, Tonga, Trinidad and Tobago, Tunisia, Turkiye, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vietnam, Zambia, Zimbabwe
Source: World Bank World Development Indicators . Latest observed values per country; data years vary.
Lending Interest Rates
Measured as %. Tracked in 112 countries; lowest value (lower is better): Israel at 3% (2022).
| # | Country | Value | Year |
|---|---|---|---|
| 1 | Israel | 3% | 2022 |
| 2 | Switzerland | 3% | 2024 |
| 3 | United States | 3.3% | 2021 |
| 4 | Bahamas | 4.3% | 2024 |
| 5 | China | 4.4% | 2024 |
| 6 | Bosnia and Herzegovina | 4.5% | 2024 |
| 7 | Thailand | 4.5% | 2024 |
| 8 | Bulgaria | 4.5% | 2024 |
| 9 | Fiji | 4.6% | 2024 |
| 10 | Czechia | 4.7% | 2024 |
All 112 countries with data
Albania, Algeria, Angola, Antigua and Barbuda, Argentina, Armenia, Aruba, Azerbaijan, Bahamas, Bangladesh, Barbados, Belarus, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Burundi, Cape Verde, China, Colombia, Comoros, Costa Rica, Czechia, Dominica, Dominican Republic, DR Congo, Egypt, Eswatini, Fiji, Gambia, Georgia, Grenada, Guatemala, Guyana, Haiti, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Israel, Italy, Jamaica, Jordan, Kenya, Kuwait, Kyrgyzstan, Lesotho, Macau, Madagascar, Malawi, Malaysia, Maldives, Mauritius, Mexico, Micronesia, Moldova, Mongolia, Montenegro, Mozambique, Myanmar, Namibia, Nicaragua, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Qatar, Romania, Russia, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Seychelles, Sierra Leone, Singapore, Solomon Islands, South Africa, South Korea, South Sudan, Suriname, Switzerland, Tanzania, Thailand, Timor-Leste, Tonga, Trinidad and Tobago, Ukraine, United States, Uruguay, Uzbekistan, Vanuatu, Vietnam, Zambia, Zimbabwe
Source: World Bank World Development Indicators . Latest observed values per country; data years vary.
Bank Interest Rate Spread
Measured as percentage points. Tracked in 105 countries; lowest value (lower is better): Zambia at 0.8 percentage points (2020).
| # | Country | Value | Year |
|---|---|---|---|
| 1 | Zambia | 0.8 percentage points | 2020 |
| 2 | Benin | 1 percentage points | 2021 |
| 2 | Burkina Faso | 1 percentage points | 2021 |
| 4 | Qatar | 1 percentage points | 2024 |
| 5 | South Korea | 1.2 percentage points | 2024 |
| 6 | Bangladesh | 1.3 percentage points | 2024 |
| 7 | Oman | 1.3 percentage points | 2021 |
| 8 | Switzerland | 2 percentage points | 2024 |
| 9 | Jordan | 2.4 percentage points | 2024 |
| 10 | Kuwait | 2.5 percentage points | 2024 |
All 105 countries with data
Albania, Algeria, Angola, Antigua and Barbuda, Argentina, Armenia, Aruba, Azerbaijan, Bahamas, Bangladesh, Barbados, Belarus, Belize, Benin, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Burkina Faso, Cape Verde, China, Colombia, Comoros, Costa Rica, Czechia, Dominica, Dominican Republic, DR Congo, Egypt, Eswatini, Fiji, Gambia, Georgia, Grenada, Guatemala, Guyana, Haiti, Honduras, Hong Kong, Hungary, Indonesia, Israel, Jamaica, Jordan, Kenya, Kuwait, Kyrgyzstan, Lesotho, Macau, Madagascar, Malaysia, Maldives, Mauritius, Mexico, Micronesia, Moldova, Mongolia, Montenegro, Mozambique, Myanmar, Namibia, Nicaragua, Nigeria, North Macedonia, Norway, Oman, Pakistan, Palestine, Papua New Guinea, Paraguay, Peru, Qatar, Romania, Russia, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Sao Tome and Principe, Seychelles, Sierra Leone, Singapore, Solomon Islands, South Africa, South Korea, South Sudan, Suriname, Switzerland, Tanzania, Thailand, Timor-Leste, Tonga, Trinidad and Tobago, Ukraine, Uruguay, Uzbekistan, Vanuatu, Vietnam, Zambia, Zimbabwe
Source: World Bank World Development Indicators . Latest observed values per country; data years vary.
Nonperforming Loans
Measured as % of total gross loans. Tracked in 144 countries; lowest value (lower is better): South Korea at 0.2% (2022).
| # | Country | Value | Year |
|---|---|---|---|
| 1 | South Korea | 0.2% | 2022 |
| 2 | Micronesia | 0.3% | 2021 |
| 3 | Norway | 0.4% | 2023 |
| 4 | Sweden | 0.4% | 2023 |
| 5 | Lithuania | 0.4% | 2022 |
| 6 | Canada | 0.5% | 2023 |
| 7 | Australia | 0.7% | 2022 |
| 8 | Switzerland | 0.8% | 2023 |
| 9 | United States | 0.8% | 2023 |
| 10 | Dominican Republic | 0.9% | 2023 |
All 144 countries with data
Albania, Algeria, Angola, Antigua and Barbuda, Argentina, Armenia, Australia, Austria, Azerbaijan, Bangladesh, Barbados, Belarus, Belgium, Belize, Bhutan, Bolivia, Bosnia and Herzegovina, Botswana, Brazil, Brunei, Bulgaria, Cambodia, Cameroon, Canada, Central African Republic, Chad, Chile, China, Colombia, Comoros, Costa Rica, Croatia, Curacao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, DR Congo, Ecuador, El Salvador, Equatorial Guinea, Estonia, Eswatini, Ethiopia, Fiji, Finland, France, Gabon, Gambia, Georgia, Germany, Ghana, Greece, Grenada, Guatemala, Guinea, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Iraq, Ireland, Israel, Italy, Japan, Jordan, Kazakhstan, Kenya, Kosovo, Kuwait, Kyrgyzstan, Latvia, Lesotho, Lithuania, Luxembourg, Macau, Madagascar, Malawi, Malaysia, Maldives, Malta, Mauritius, Mexico, Micronesia, Moldova, Montenegro, Morocco, Mozambique, Namibia, Nepal, Netherlands, Nicaragua, Nigeria, North Macedonia, Norway, Pakistan, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Poland, Portugal, Republic of the Congo, Romania, Russia, Rwanda, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Samoa, San Marino, Saudi Arabia, Seychelles, Sint Maarten, Slovakia, Slovenia, Solomon Islands, South Africa, South Korea, Spain, Sri Lanka, Sweden, Switzerland, Tajikistan, Tanzania, Thailand, Tonga, Trinidad and Tobago, Turkiye, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vietnam, Zambia
Source: World Bank World Development Indicators . Latest observed values per country; data years vary.