Abstract

The fourth edition of the Global Findex offers a lens into how people accessed and used financial services during the COVID-19 pandemic, when mobility restrictions and health policies drove increased demand for digital services of all kinds.

The Global Findex is the world's most comprehensive database on financial inclusion. It is also the only global demand-side data source allowing for global and regional cross-country analysis to provide a rigorous and multidimensional picture of how adults save, borrow, make payments, and manage financial risks. Global Findex 2021 data were collected from national representative surveys of about 128,000 adults in more than 120 economies. The latest edition follows the 2011, 2014, and 2017 editions, and it includes a number of new series measuring financial health and resilience and contains more granular data on digital payment adoption, including merchant and government payments.

The Global Findex is an indispensable resource for financial service practitioners, policy makers, researchers, and development professionals.

Geographic coverage

Did not include Azad Jammu and Kashmir (AJK) and Gilgit-Baltistan. The excluded area represents approximately 5 percent of the total population. Gender-matched sampling was used during the final stage of selection.

Analysis unit

Individual

Kind of data

Observation data/ratings [obs]

Sampling procedure

In most developing economies, Global Findex data have traditionally been collected through face-to-face interviews. Surveys are conducted face-to-face in economies where telephone coverage represents less than 80 percent of the population or where in-person surveying is the customary methodology. However, because of ongoing COVID-19 related mobility restrictions, face-to-face interviewing was not possible in some of these economies in 2021. Phone-based surveys were therefore conducted in 67 economies that had been surveyed face-to-face in 2017. These 67 economies were selected for inclusion based on population size, phone penetration rate, COVID-19 infection rates, and the feasibility of executing phone-based methods where Gallup would otherwise conduct face-to-face data collection, while complying with all government-issued guidance throughout the interviewing process. Gallup takes both mobile phone and landline ownership into consideration. According to Gallup World Poll 2019 data, when face-to-face surveys were last carried out in these economies, at least 80 percent of adults in almost all of them reported mobile phone ownership. All samples are probability-based and nationally representative of the resident adult population. Phone surveys were not a viable option in 17 economies that had been part of previous Global Findex surveys, however, because of low mobile phone ownership and surveying restrictions. Data for these economies will be collected in 2022 and released in 2023.

In economies where face-to-face surveys are conducted, the first stage of sampling is the identification of primary sampling units. These units are stratified by population size, geography, or both, and clustering is achieved through one or more stages of sampling. Where population information is available, sample selection is based on probabilities proportional to population size; otherwise, simple random sampling is used. Random route procedures are used to select sampled households. Unless an outright refusal occurs, interviewers make up to three attempts to survey the sampled household. To increase the probability of contact and completion, attempts are made at different times of the day and, where possible, on different days. If an interview cannot be obtained at the initial sampled household, a simple substitution method is used. Respondents are randomly selected within the selected households. Each eligible household member is listed, and the hand-held survey device randomly selects the household member to be interviewed. For paper surveys, the Kish grid method is used to select the respondent. In economies where cultural restrictions dictate gender matching, respondents are randomly selected from among all eligible adults of the interviewer's gender.

In traditionally phone-based economies, respondent selection follows the same procedure as in previous years, using random digit dialing or a nationally representative list of phone numbers. In most economies where mobile phone and landline penetration is high, a dual sampling frame is used.

The same respondent selection procedure is applied to the new phone-based economies. Dual frame (landline and mobile phone) random digital dialing is used where landline presence and use are 20 percent or higher based on historical Gallup estimates. Mobile phone random digital dialing is used in economies with limited to no landline presence (less than 20 percent).

For landline respondents in economies where mobile phone or landline penetration is 80 percent or higher, random selection of respondents is achieved by using either the latest birthday or household enumeration method. For mobile phone respondents in these economies or in economies where mobile phone or landline penetration is less than 80 percent, no further selection is performed. At least three attempts are made to reach a person in each household, spread over different days and times of day.

Sample size for Pakistan is 1002.

Mode of data collection

Face-to-face [f2f]

Research instrument

Questionnaires are available on the website.

Sampling error estimates

Estimates of standard errors (which account for sampling error) vary by country and indicator. For country-specific margins of error, please refer to the Methodology section and corresponding table in Demirgüç-Kunt, Asli, Leora Klapper, Dorothe Singer, Saniya Ansar. 2022. The Global Findex Database 2021: Financial Inclusion, Digital Payments, and Resilience in the Age of COVID-19. Washington, DC: World Bank.

Pakistan PPOI: Assets: Advances data was reported at 18,788,493.000 PKR th in 2017. This records an increase from the previous number of 14,834,851.000 PKR th for 2016. Pakistan PPOI: Assets: Advances data is updated yearly, averaging 6,612,923.000 PKR th from Dec 2006 (Median) to 2017, with 12 observations. The data reached an all-time high of 18,788,493.000 PKR th in 2017 and a record low of 5,514,114.000 PKR th in 2009. Pakistan PPOI: Assets: Advances data remains active status in CEIC and is reported by State Bank of Pakistan. The data is categorized under Global Database’s Pakistan – Table PK.KB037: Balance Sheet: Pak Oman Investment Co Ltd.

Pakistan PK: Stocks Traded: Total Value data was reported at 27.536 USD bn in 2016. This records an increase from the previous number of 27.108 USD bn for 2015. Pakistan PK: Stocks Traded: Total Value data is updated yearly, averaging 20.824 USD bn from Dec 1996 (Median) to 2016, with 21 observations. The data reached an all-time high of 140.293 USD bn in 2004 and a record low of 539.700 USD mn in 2014. Pakistan PK: Stocks Traded: Total Value data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Pakistan – Table PK.World Bank.WDI: Financial Sector. The value of shares traded is the total number of shares traded, both domestic and foreign, multiplied by their respective matching prices. Figures are single counted (only one side of the transaction is considered). Companies admitted to listing and admitted to trading are included in the data. Data are end of year values converted to U.S. dollars using corresponding year-end foreign exchange rates.; ; World Federation of Exchanges database.; Sum; Stock market data were previously sourced from Standard & Poor's until they discontinued their 'Global Stock Markets Factbook' and database in April 2013. Time series have been replaced in December 2015 with data from the World Federation of Exchanges and may differ from the previous S&P definitions and methodology.

The database management system (DBMS) market is projected to reach $114.99 billion by 2033, expanding at a 13.1% CAGR during the forecast period of 2025-2033. This growth is primarily driven by the rising adoption of cloud-based DBMS solutions, increasing demand for data analytics, and growing data volumes. The cloud segment dominates the deployment model market, with organizations increasingly opting for cloud-based DBMS solutions due to their cost-effectiveness, scalability, and flexibility. The major players in the DBMS market include Amazon Web Services, Google Cloud, International Business Machines Corporation, Microsoft, MongoDB, Inc., Oracle, Redis, SAP SE, Snowflake Inc., and Teradata. These companies offer various DBMS solutions, including relational, non-relational, cloud-based, and on-premises deployments to cater to the diverse needs of organizations. The North American region holds the largest market share, followed by Europe and Asia Pacific. Key factors driving regional growth include government initiatives, technological advancements, and increasing investments in digital transformation. The database management system market is projected to reach USD 104.9 billion by 2027, growing at a CAGR of 12.4% from 2022 to 2027. The increasing adoption of cloud-based database management systems (DBMSs), the growing volume of data, and the need for efficient data management are driving the market. Additionally, the growing adoption of artificial intelligence (AI) and machine learning (ML) is expected to further drive the market, as DBMSs are essential for storing and managing the large volumes of data generated by AI and ML applications. Recent developments include: In June 2024, International Business Machines Corporation introduced IBM Cloud Pak for Data 5.0, the latest version of the cloud-native insight platform, which consolidates necessary tools for data collection, organization, and analysis within a data fabric framework. With IBM Cloud Pak for Data 5.0, users' data strategies are elevated through new features like remote data planes and relationship explorer. , In March 2024, SAP SE introduced new features in the SAP Datasphere solution. The latest enhancements, featuring new generative AI functionalities, revolutionize enterprise planning by streamlining data environments and enabling more intuitive interactions with data. , In February 2024, Snowflake Inc. released Hybrid Tables. The hybrid table is specifically designed to efficiently support both transactional and operational workloads. It offers high throughput and low latency for quick, small-scale random reads and writes. .

Debit card (% age 15+) in Pakistan was reported at 7.7437 % in 2021, according to the World Bank collection of development indicators, compiled from officially recognized sources. Pakistan - Debit card (% age 15+) - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

Pakistan Whois Database, discover comprehensive ownership details, registration dates, and more for domains registered in Pakistan with Whois Data Center.

Pakistan Internet Usage: Social Media Market Share: Desktop: Fark data was reported at 0.000 % in 23 Apr 2025. This stayed constant from the previous number of 0.000 % for 22 Apr 2025. Pakistan Internet Usage: Social Media Market Share: Desktop: Fark data is updated daily, averaging 0.000 % from Apr 2024 (Median) to 23 Apr 2025, with 89 observations. The data reached an all-time high of 0.200 % in 22 Sep 2024 and a record low of 0.000 % in 23 Apr 2025. Pakistan Internet Usage: Social Media Market Share: Desktop: Fark data remains active status in CEIC and is reported by Statcounter Global Stats. The data is categorized under Global Database’s Pakistan – Table PK.SC.IU: Internet Usage: Social Media Market Share.

Paknic (Private) Limited Whois Database, discover comprehensive ownership details, registration dates, and more for Paknic (Private) Limited with Whois Data Center.

Subscribers can find out export and import data of 23 countries by HS code or product’s name. This demo is helpful for market analysis.

Pakistan Number of Telephone Lines: Annual data was reported at 2,986.000 Unit th in 2017. This records a decrease from the previous number of 3,295.000 Unit th for 2016. Pakistan Number of Telephone Lines: Annual data is updated yearly, averaging 3,417.000 Unit th from Jun 1991 (Median) to 2017, with 27 observations. The data reached an all-time high of 6,371.000 Unit th in 2013 and a record low of 1,188.000 Unit th in 1991. Pakistan Number of Telephone Lines: Annual data remains active status in CEIC and is reported by Ministry of Finance. The data is categorized under Global Database’s Pakistan – Table PK.TB001: Telecommunication Statistics.

Czech Republic Imports from Pakistan was US$337.02 Million during 2024, according to the United Nations COMTRADE database on international trade. Czech Republic Imports from Pakistan - data, historical chart and statistics - was last updated on June of 2025.

The Pakistani data storage device market expanded rapidly to $14M in 2024, increasing by 5.5% against the previous year. This figure reflects the total revenues of producers and importers (excluding logistics costs, retail marketing costs, and retailers' margins, which will be included in the final consumer price). The market value increased at an average annual rate of +2.2% from 2012 to 2024; however, the trend pattern indicated some noticeable fluctuations being recorded throughout the analyzed period.

Subscribers can find out export and import data of 23 countries by HS code or product’s name. This demo is helpful for market analysis.

Customs records of Pakistan are available for PAK PANSY.Learn about its suppliers,trading situations,countries of origin of products and trading ports

Pakistan Scheduled Banks: Number of Acc: FD: 6 months to 1 year data was reported at 133,772.000 Unit in Jun 2018. This records a decrease from the previous number of 148,503.000 Unit for Dec 2017. Pakistan Scheduled Banks: Number of Acc: FD: 6 months to 1 year data is updated semiannually, averaging 117,218.000 Unit from Jun 1997 (Median) to Jun 2018, with 43 observations. The data reached an all-time high of 229,544.000 Unit in Jun 1999 and a record low of 33,602.000 Unit in Dec 2004. Pakistan Scheduled Banks: Number of Acc: FD: 6 months to 1 year data remains active status in CEIC and is reported by State Bank of Pakistan. The data is categorized under Global Database’s Pakistan – Table PK.KB001: Deposits By Accounts: Scheduled Banks.

Pakistan PK: Procedures to Register Property data was reported at 7.700 Number in 2017. This stayed constant from the previous number of 7.700 Number for 2016. Pakistan PK: Procedures to Register Property data is updated yearly, averaging 7.700 Number from Dec 2013 (Median) to 2017, with 5 observations. The data reached an all-time high of 7.700 Number in 2017 and a record low of 7.700 Number in 2017. Pakistan PK: Procedures to Register Property data remains active status in CEIC and is reported by World Bank. The data is categorized under Global Database’s Pakistan – Table PK.World Bank: Company Statistics. Number of procedures to register property is the number of procedures required for a businesses to secure rights to property.; ; World Bank, Doing Business project (http://www.doingbusiness.org/).; Unweighted average; Data are presented for the survey year instead of publication year.

Togo Imports from Pakistan was US$17.13 Million during 2024, according to the United Nations COMTRADE database on international trade. Togo Imports from Pakistan - data, historical chart and statistics - was last updated on June of 2025.

Pakistan Exports to Togo was US$71.87 Million during 2024, according to the United Nations COMTRADE database on international trade. Pakistan Exports to Togo - data, historical chart and statistics - was last updated on June of 2025.

El Salvador Imports from Pakistan was US$11.8 Million during 2024, according to the United Nations COMTRADE database on international trade. El Salvador Imports from Pakistan - data, historical chart and statistics - was last updated on June of 2025.

Hong Kong Exports to Pakistan was US$200.21 Million during 2024, according to the United Nations COMTRADE database on international trade. Hong Kong Exports to Pakistan - data, historical chart and statistics - was last updated on June of 2025.