Digital Payment Adoption Statistics in United States (2026)
93% of adults in the United States made or received a digital payment in 2021, World Bank Global Findex data show. Up from 91.1% in 2017 to 93% in 2021 (+1.9 percentage points). United States ranks #2 of 2 economies in North America on this measure, and #28 of 142 globally.
Key Statistics
- Latest value (2021)
- 93% (2021)
- Digital Payment Adoption in the United States as of 2021, the most recent observation in World Bank Global Findex data.
- Change since 2017
- +1.9 pp (2021)
- Up from 91.1% in 2017 to 93% in 2021 (+1.9 percentage points).
- Earliest value in this dataset (2014)
- 92% (2014)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 92% in 2014 to 93% in 2021.
- Record high (2021)
- 93% (2021)
- The 2021 value is the highest in the available World Bank Global Findex series for the United States.
- Rank in North America
- #2 of 2 (2021)
- The United States ranks 2 of 2 countries in North America with data, based on each country's latest value.
- Global rank
- #28 of 142 (2021)
- The United States ranks 28 of 142 countries with data globally.
- North America average
- 95.7% (2021)
- The United States (93%) is below the average of 95.7% across the 2 countries in North America with data.
- Among women (2021)
- 95.7% (2021)
- Value for women in the United States, same 2021 World Bank Global Findex data.
- Among men (2021)
- 90.2% (2021)
- Value for men in the United States, same 2021 World Bank Global Findex data.
- Gender gap (women minus men)
- +5.5 pp (2021)
- In 2021, the figure was 95.7% for women and 90.2% for men — 5.5 percentage points higher among women.
- Among the poorest 40% (2021)
- 88.6% (2021)
- Value for adults in the poorest 40% of households in the United States in 2021.
- Poorest-40% gap vs national
- −4.3 pp (2021)
- The poorest 40% (88.6%) are 4.3 percentage points below the national figure (93%).
- Made a digital payment (% age 15+) (2021)
- 91.3% (2021)
- Related indicator from World Bank Global Findex.
- Received digital payments (% age 15+) (2021)
- 69.4% (2021)
- Related indicator from World Bank Global Findex.
- Internet use in the United States (2024)
- 94.7% (2024)
- 94.7% of the population in the United States used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 340.1 million (2024)
- The United States had a population of 340.1 million in 2024 (World Bank); shown for scale only.
Trend, 2014–2021
| Year | % of adults (age 15+) | Change |
|---|---|---|
| 2021 | 93% | +1.9 pp |
| 2017 | 91.1% | −0.9 pp |
| 2014 | 92% | — |
Frequently asked questions
What share of adults in the United States made or received a digital payment?
93% of adults in the United States made or received a digital payment in 2021, according to World Bank Global Findex data.
How recent is the digital payment adoption data for the United States?
The most recent observation is from 2021. World Bank Global Findex data is reported with a lag, so 2021 is the latest available year for the United States.
Where does the digital payment adoption data for the United States come from?
The data comes from the World Bank Global Findex (indicator g20.any). The latest observation for the United States is from 2021; the snapshot was retrieved on 2026-06-10.
How has digital payment adoption in the United States changed over time?
World Bank Global Findex data show a rise from 92% in 2014 to 93% in 2021.
How does the United States compare with other countries in North America?
The United States ranks 2 of 2 countries in North America with data, with 93% versus a regional average of 95.7% (latest values per country).
Source & methodology
Source: World Bank Global Findex, indicator
g20.any, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .