The 2023 year survey shows financial inclusion has increased, with a significant drop in financial exclusion from 51% in 2014 to 12% in 2023, largely due to the rapid adoption of mobile money services.

FinScope Consumer South Africa 2023 Survey Launch Presentation

The presentation of results by Jabulani Khumalo - Senior Data and Analytics Specialist, a keynote address by Dr. Pali Lehohla, and a panel discussion with experts Kershia Singh, Dr. Thabang Chiloane, and Pamela Ramagaga.

This year's findings highlight the financial challenges in South Africa, with 40% of adults borrowing money for food and 20 million adults experiencing electricity cuts due to affordability in the past year.

FinScope Angola 2022 Consumer Survey pocket guide

The FinScope Consumer Survey provides reliable benchmarks on financial inclusion in Angola, these findings benefit various sectors, with the aim of improving the lives of Angolan individuals.  

FinMark Trust: Twentieth anniversary digital journal

Twenty years ago, when FinMark Trust was established, we took the dream of making financial markets work for the poor and turned it into reality. Join us as we reflect on this journey, with key milestones highlighted in our digital journal.

FinScope Demand Side Survey Ghana 2021 - Pocket guide

The Ghana Demand Side Survey 2021 provides credible benchmarks on the level of financial inclusion and, using empirical evidence, guides focused and targeted financial inclusion strategies.

FinScope consumer surveys offer insights into people's financial needs, preferences, and behaviour. It does not attempt to replicate the work of censuses or other annual surveys.

The road to the Olympics for a young woman in the country is fraught with hurdles, though. To unpack why, consider the hurdles a young woman who is an aspiring Olympic athlete must overcome,

The Great Reset has happened. The COVID-19 pandemic accelerated the inflection point with systemic effects that affect how people live their lives

MAP Eswatini Financial Inclusion Refresh 2020

This report reviews the implementation of the 2014 MAP Eswatini diagnostic, considers market changes, and identifies financial inclusion interventions to grow the economy

MAP Zimbabwe Financial Inclusion Refresh 2020

This report reviews the implementation of the 2016 MAP Zimbabwe diagnostic, considers market changes, and identifies financial inclusion interventions to grow the economy

FinScope Mozambique District Report 2019 (English)

The FinScope Mozambique 2019 survey is the third FinScope survey implemented in Mozambique, following the baseline of 2009 and repeat of 2014.

FinScope Mozambique District Report 2019 (Portuguese)

FinScope 2019 marca o terceiro ciclo em que este inquérito nacionalmente representativo sobre a inclusão financeira é efectuado em Moçambique

FinScope Mozambique Gender Dashboard 2020 (Portuguese)

Este painel representa alguns dos principais dados de mercado sobre inclusão financeira com foco nas mulheres.

FinScope by Numbers Mozambique 2019 brochure (Portuguese)

View highlights from the Mozambique FinScope Consumer Survey 2019 comparing levels of financial inclusion between 2019 and 2014.

FinScope by Numbers Mozambique 2019 brochure (English)

View highlights from the Mozambique FinScope Consumer Survey 2019 comparing levels of financial inclusion between 2019 and 2014.

FinScope Consumer Survey Mozambique 2019 Pocket Guide (English)

Mozambique implemented the 3rd Mozambique FinScope Survey to help monitor and evaluate sector interventions driven by the National Financial Inclusion Strategy (NFIS).

FinScope Consumer Survey Mozambique 2019 Report (English)

Read this 2019 full report for more information about the state of financial inclusion in Mozambique.

FinScope Benin Regional Financial Access 2019

MAP is a diagnostic and programmatic framework to support expanding access to financial services for individuals and micro and small- businesses.

FinScope Consumer Survey Benin 2018 Pocket Guide

This pocket guide represents some of the key market data on financial inclusion.

Myanmar MAP Diagnostic 2018 Report

This MAP Refresh Myanmar document follows on from the original MAP (Making Access Possible) exercise in Myanmar in 2013/2014.

Myanmar MAP Country Report 2014

Making Access Possible is a multi-country initiative to support financial inclusion through a process of evidence-based country diagnostic and stakeholder dialogue, leading to the development of national financial inclusion roadmaps.

FinScope Consumer Survey Haiti 2018: Topline Results presentation

Objectives of FinScope Haiti 2018

Namibians who do not have access to financial services stood at 22% in 2017, down from 31% in 2011 and 51% in 2007.

Financial Inclusion in SADC

The financial inclusion indicators are constructed from 14 SADC countries using findings of the FinScope Consumer surveys.

FinScope Consumer Survey Eswatini 2018 Pocket Guide

This repeat survey provides credible benchmarks on level of financial inclusion, financial capability and the quality of financial inclusion.

The Face of Social Exclusion Infographic

Despite progress around the world, many people continue to face social exclusion (i.e., limited access to social and economic opportunities).

We buy things we don’t need with money we don’t have to impress people we don’t like

Financial inclusion in Rwanda 2016

FinMark Trust launched the results of the Financial inclusion survey of Rwanda on 3 March 2016.

An Excluded Society? Financial Inclusion in SADC

Financial Inclusion in SADC through the FinScope Lenses” provides an in-depth analysis of the current state of financial inclusion in the twelve SADC states.

Financial inclusion in Rwanda 2012

The 2012 FinScope survey was commissioned by Access to Finance Rwanda (AFR) and not FinMark Trust.

FinScope Lesotho 2011

View the FinScope Lesotho 2011 Brochure

FinScope Swaziland 2011 Brochure

The Ministry of Finance established the Micro-Finance Unit in September 2010 to facilitate the development and sustainability of the microfinance sector in the country.

FinScope Ghana launch presentation 2010

See the FinScope Ghana 2010 launch presentation.

FinScope Mozambique 2009 Report

FinScope Mozambique 2009 is the first national survey of its kind, in which a representational cross-section of all adult Mozambicans have been interviewed comprehensively

FinScope Uganda 2009 Final Report

The studies cover the demand, usage and access to all types of financial institutions from commercial banks

The Access to Finance Presentation

See the Access to Finance study presentation in Pakistan.

FinScope Rwanda 2008 Technical Report

FinScope Rwanda 2008 makes a number of recommendations on the basis of the survey results.

FinScope Malawi 2008 Report

FinScope Malawi 2008 was commissioned by the Ministry of Finance and the FinMark Trust, with funding from the UKAID

Access to Finance Study (A2FS)

See the Access to Finance Study brochure.

FinScope Rwanda 2008

Rwanda has adopted a Financial Sector Development Program (FSDP) in order 'to develop a stable and sound financial sector

Research presentation prepared for Banque Nationale Du Rwanda

See the research presentation prepared for Banque Nationale Du Rwanda 2008.

Financial Service Access and Usage in Southern and East Africa

FinScope surveys have been developed to track patterns of usage of, access to and attitudes towards financial services in a country.

From 2 to 5 September, our CEO, Brendan Pearce, joined the Forum in San Salvador, moderating a session on using innovation and AI to support women-owned informal businesses, and sharing insights on data's role in financial inclusion.

At the 2024 SARB Payments Conference, it was stressed that financial inclusion starts with access but must lead to active use for it to make a real difference.

The launch of the FinScope MSME South Africa 2024 results unveiled the most recent insights into the key challenges and advancements in financial inclusion and sector development for MSMEs in South Africa.

The presentation covers financial inclusion levels, access and usage trends, drivers and barriers, and the impact of COVID-19. FinScope aims to foster evidence-based dialogue for effective interventions to enhance financial inclusion in Malawi.

The report highlights key survey findings, comparing national-level data to the 2014 survey results to track indicators and trends. It offers a full analysis, disaggregated by gender, age and location.

Lesotho has made remarkable strides in financial inclusion, with 87% of its population having access to formal financial services in 2021. This commendable achievement positions the country among the most financially inclusive in the region.

FinMark Trust launches its annual FinScope Consumer South Africa 2023 results today through a virtual webinar. This year's findings highlight the pressing financial challenges South Africans are facing.

The Evolution of Mobile Money in Zimbabwe

Explore Zimbabwe's mobile money evolution, challenges and economic impact with our guide. Drawing on 2018-2021 data, this publication delves into the milestones, regulations and societal effects of mobile money services, and more.

The South African informal sector is a vibrant thread, pulsating with entrepreneurial energy. Valued at almost $10 billion annually and representing 17% of the country’s total employment.

Formal financial and economic inclusion remains pivotal in addressing the rampant inequality in many African economies today.

The modern world has moved towards digitisation, yet a significant gap remains in terms of financial and economic inclusion, particularly in Africa. Despite this, there is a substantial opportunity to harness the power of data to bridge this gap.

Rapport du Forum sur l'Inclusion Financière de la SADC 2023

Offre un résumé complet des perspectives précieuses et des discussions stimulantes partagées lors de la conférence. Le rapport comprend des interviews post-événement avec certains de nos principaux parties prenantes.

Apresenta um resumo abrangente das perspectivas valiosas e das discussões instigantes compartilhadas durante a conferência. O relatório inclui entrevistas pós-evento com alguns dos nossos principais intervenientes.

FinScope Tanzania 2023 report

The FinScope Tanzania 2023 report highlights key survey findings, comparing national-level data to the 2017 survey results to track indicators and trends. It offers a full analysis, disaggregated by gender, age and location.

FinScope Angola 2023 Relatório de Inquérito ao Consumidor

O guia de bolso da Pesquisa do Consumidor FinScope Angola 2022 é uma referência confiável para a inclusão financeira em Angola. É um recurso valioso para o desenvolvimento de estratégias eficazes com base em evidências empíricas.

Families' access to financial resources is crucial for building thriving communities and fostering economic growth. Remittances, as a vital source of income, provide millions of people with the means to meet their basic needs.

Jabulani Khumalo, our Data and Analytics Specialist and lead on the FinScope Consumer South Africa 2022 survey results joins John Maytham on the Afternoon Drive on Cape Talk to discuss the findings of the survey.

YouFM interviewed Jabulani Khumalo on the latest FinScope Consumer South Africa 2022 survey results, focussing on the cost of living for South African consumers. Listen to the interview here.

‘South Africans are borrowing so much that now we are borrowing food’ - Obert was interviewed on Phalaphala FM

The latest FinScope Consumer Survey shows the main reason for borrowing money in 2022 was to pay for living expenses, specifically food and groceries.

Do we need to do more in terms of educating people about the risks of cash and the benefits of electronic payments?

How can we support those working in the informal sector?

Financial Services as a Tool for Building Resilience: In the face of climate change and energy crisis shocks

The launch will be presented in two parts, the first of which will be a presentation of the survey's top-line findings. A series of breakaway sessions will follow, where participants will be invited to interact with the data in greater depth.

Community Digitalisation pocket guide

This summary guide of the report on the state of the digital payments ecosystem in South African townships (Hammanskraal and Tembisa) shares key insights and recommendations from research conducted in 2022.

Provide an in-depth understanding of community needs and attitudes vis-à-vis financial services, digital services, community structures and support services.

FinScope Consumer Survey - Zimbabwe 2022 Presentation

The main presentation covers all of the top-line findings for Zimbabwe 2022. With 115 slides of insightful information, we evaluate trends, changes, and interventions over time starting from 2014.

FinScope Consumer Survey - Zimbabwe 2022 Report

The financial sector conducted the FinScope Zimbabwe 2022 Consumer Survey for the third time in a row. This repeat survey provides credible benchmarks for the extent and quality of financial inclusion.

Past and present leaders of FinMark Trust discuss our beginnings, our impact and our plans to continue encouraging financial markets to work for the poor.

Remittances Market Assessment 2021 - Pocket guide

This pocket guide highlights key findings from the market assessment of remittance flows into and out of South Africa using SARB data and a mystery shopping exercise looking at the costs of remitting via various channels, from South Africa.

Remittances Market Assessment 2021

FinMark Trust conducted a market assessment of remittance flows into and out of South Africa using SARB data and a mystery shopping exercise looking at the costs of remitting via various channels, from South Africa to other countries in the SADC.

To celebrate this milestone in our own development – and for the development of the financial inclusion landscape over the past 20 years, we will be hosting a series of webinars.

FinScope South Africa Consumer 2021 Results - Webinar

FinScope Consumer Survey Lesotho 2021

Lesotho has seen a significant increase in financial inclusion since 2011. The FinScope Consumer Survey Lesotho 2021 report provides financial inclusion statistics, analyses, insights, and proposed recommendations to improve the lives of Basotho.

FinScope Consumer Survey Highlights - Lesotho 2021

The brochure summarises and highlights the FinScope Consumer Survey Lesotho 2021 report's findings. It serves as a quick reference guide to the key statistics and insights.

Impact of Covid-19 and Social unrest a double blow for MSMEs - FinScope uses data to understand current challenges facing MSMEs

South Africa experienced a series of unexpected social unrest that saw many township and informal businesses destroyed or looted and malls burnt. It was like a scene from a violent movie, which graduated to loss of lives in some instances.

MAP Botswana Financial Inclusion Refresh 2021

Botswana is moving towards the 2021 goal of reducing financial exclusion to 12% or increasing usage of more than one type of formal financial service to 57%.

FinScope Botswana 2020 Consumer Survey Report

The objectives of FinScope Botswana 2020 were to understand the adult population in terms of, Livelihoods and how they generate their income, financial needs and demands, financial perceptions, demographic and geographic distribution.

SMME Finance Scoping: Services and Light Manufacturing

The objectives of this study are to understand the SMME landscape in Botswana, Lesotho, Eswatini and Malawi, and provide recommendations for a financial inclusion and growth strategy.

Presentation on the impact of the RBA shift to AML/CTF

The study aimed to review the impact of the switch from the KYC approach to the risk-based approach on financial inclusion.

Report on the impact of the shift to a risk-based approach to AML/CTF

South Africa has implemented a shift from a rules-based approach to anti-money laundering and combating terrorist financing (AML/CTF) to a risk-based approach (RBA), a move that came into effect with the amendment to the Financial Intelligence Act.

Access to basic services Botswana

This scoping study has been conducted to identify the barriers and opportunities to enable affordable digital delivery and access to basic services in Botswana.

Access to basic services Malawi

This scoping study has been conducted to identify the barriers and opportunities to enable affordable digital delivery and access to basic services in Malawi.

Access to basic services Eswatini

This scoping study has been conducted to identify the barriers and opportunities to enable affordable digital delivery and access to basic services in Eswatini.

Access to basic services Madagascar

This scoping study has been conducted to identify the barriers and opportunities to enable affordable digital delivery and access to basic services in Madagascar.

Access to basic services Lesotho

This scoping study has been conducted to identify the barriers and opportunities to enable affordable digital delivery and access to basic services in Lesotho.

2020 Annual Report

While we continue to focus on inclusive development of financial markets, we expanded our strategies to include a more direct focus on real economy impacts with FI 2.0

The UK has announced a new package to reach 750 000 people in 8 countries across Southern Africa helping communities worst affected by the COVID-19 pandemic.

FinScope Mozambique Gender Dashboard 2020 (English)

This dashboard represents some of the key market data on financial inclusion with a focus on females.

Malawi Financial Inclusion Refresh

This MAP report reviews the implementation of the 2015 MAP diagnostic, considers market changes, and identifies financial inclusion interventions to grow the economy.

Limited support has been provided for economic migrants who send money home to support family members. See what support has been created for migrants in South Africa.

FinScope SA 2019 Pocket Guide

Highlighting the usage of access to financial services in South Africa in 2019, to better understand market needs and attitudes of both informal and formal offerings.

MAP Malawi MSME 2019 focus group discussion report

The Focus Group Discussion (FGD) Report is based on findings from 6 focus group discussions with over 30 MSME owners.

MAP MSME Malawi Roadmap 2019 Report

Development Roadmap lays out a vision and implementation framework for the development of the SME sector in Malawi.

South Africa Youth month 2020

2020 South Africa Youth Month infographic dashboard using FinScope 2019 data

a significant portion of adult South Africans are exposed to the necessary delivery of cash to get their social grants