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Innovation Atlas

An overview of financial ecosystems, examining the outcomes of open banking, the innovation taking place, and progress towards financial inclusion.

Afghanistan

No Open Banking

90% of Afghans are unbanked...

Albania

No Open Banking

Albania's economy is heavily cash-reliant...

Algeria

No Open Banking

Most borrowing in Algeria is done within families...

America Samoa

No Open Banking

U.S. territory.

Andorra

No Open Banking

Andorra's Fintech environment is still at the early development level, although there has been remarkable growth.

Angola

No Open Banking

From 2012 to 2020, banking assets in Angola increased by 185%, following the rise in economic growth…

Anguilla

No Open Banking

The Eastern Caribbean Central bank created its own form of digital currency meant to help speed transactions and serve people without bank accounts...

Antigua and Barbuda

No Open Banking

76% of the population of Antigua and Barbuda had access to the internet at the beginning of 2022...

Argentina

No Open Banking

The Central Bank of Argentina has encouraged dialogue around Open Banking initiatives.

Armenia

No Open Banking

65% of Armenians have access to the internet...

Aruba

No Open Banking

97% of Arubans had access to the internet at the beginning of 2022.

Australia

Open Banking

Open Data

The Open Banking ecosystem is expected to be fully functional within a few years, and the Consumer Data Right Standard to extend across the wider Australian economy including energy, telecommunications and financial sectors.

Austria

Open Banking

Open Finance

Open Banking in Austria continues to gain momentum, partly thanks to notable take-up and integration across the banks…

Azerbaijan

No Open Banking

Azerbaijan is planning to launch a regulatory sandbox...

Bahamas

No Open Banking

The unbanked population in The Bahamas is partly driven by the fees associated with opening and maintaining a bank account for those of low income...

Bahrain

Open Banking

Bahrain has adopted a European-style regulation-driven approach to Open Banking...

Bangladesh

No Open Banking

The Bangladeshi government has been attempting to modernise the banking ecosystem, with an inter‚Äźbank electronic funds transfer system...

Barbados

No Open Banking

Barbados is launching a new digital payments system to allow unbanked Barbadians to make payments online.

Belarus

No Open Banking

Belarus has introduced policies aimed at bringing more customers and small businesses into the formal financial system.

Belgium

Open Banking

Open Finance

Belgium is taking positive steps towards a mature Open Banking ecosystem…

Belize

No Open Banking

The rural and remote communities face challenges in accessing affordable and high-speed internet...

Benin

No Open Banking

The Benin environment has allowed mobile money markets to thrive…

Bhutan

No Open Banking

Since 2008, Bhutan has been pursuing to increase their Gross National Happiness...

Bolivia

No Open Banking

The Bolivian government banned the use of cryptocurrencies such as Bitcoin in 2014...

Bosnia and Herzegovina

No Open Banking

Digital payments make up the largest segment of Fintech…

Botswana

No Open Banking

The Bank of Botswana has been shifting the country towards digital…

Brazil

Open Banking

Open Finance

It is compulsory for large and medium-sized Brazilian banks to participate in Brazil’s Open Banking initiative...

British Indian Ocean Territory

No Open Banking

This overseas territory of the United Kingdom exists as part of the Chagos Archipelago with the only inhabitants British and US military personal and contractors.

Brunei Darussalam

No Open Banking

The small nation of Brunei Darussalam (pop. 443,000) has developed a Digital Payment Roadmap...

Bulgaria

Open Banking

Open Finance

Bulgaria falls under the PSD2 legislation and has adopted Berlin Group's NextGenPSD2 standard as well as devising their local BISTRA standard.

Burkina Faso

No Open Banking

The 2020 UNDP Human Development Index ranks Burkina Faso as fourth bottom in the world.

Burundi

No Open Banking

Only 13% of Burundi’s adult population had an account in a formal financial institution as of 2014...

Cambodia

No Open Banking

Cambodia is now one of the fastest growing economies in Asia...

Cameroon

No Open Banking

People in Cameroon widely prefer informal credit over formal credit…

Canada

Open Banking

Open Finance

By 2023, the Canadian Government hopes to have the initial phase for its Open Banking framework operational...

Cape Verde

No Open Banking

The coronavirus pandemic drove an uptake in digital services…

Cayman Islands

No Open Banking

More than 130 Fintechs operate from within Cayman Enterprise City...

Central African Republic

No Open Banking

Nearly half of all women and 39% of men do not have a bank account.

Chad

No Open Banking

Chad has been implementing national strategies to address financial inclusion…

Chile

No Open Banking

One of the aims of Chile's Open Finance journey is to promote competition in financial services, stimulate innovation and see an increase in new Fintechs...

Christmas Island

No Open Banking

Christmas Island, officially the Territory of Christmas Island, is an Australian external territory.

Cocos (Keeling) Islands

No Open Banking

Cocos/Keeling Islands is an uninhabited Australian external territory.

Colombia

No Open Banking

Authorities in Colombia developed a decree in 2021 for the regulation of Open Banking...

Comoros

No Open Banking

The small set of islands, with a population of 870 thousand...

Costa Rica

No Open Banking

Financial inclusion is much higher in Costa Rica than in any other country in Central America...

Cote D'Ivoire

No Open Banking

C√īte d'Ivoire has an aim to reach a 60% inclusion rate by 2024‚Ķ

Croatia

Open Banking

Open Finance

Croatia has established a regulatory Innovation Hub consisting of a specialised team dedicated to the issue of financial innovation regulation...

Cuba

No Open Banking

The roll-out of mobile internet three years ago has opened the way for cryptocurrency transactions in Cuba...

Cyprus

Open Banking

Open Finance

Cyprus attracts Fintech businesses across the EU as it provides access through passporting...

Czech Republic

Open Banking

Open Finance

The Czech financial services market is highly competitive, and Czech banks already offer Open Banking.

Democratic Republic of the Congo

No Open Banking

With less than 35km of paved roads for every 1 million citizens, it can be physical infrastructure that is the main barrier to financial inclusion…

Denmark

Open Banking

Open Finance

The Danish financial sector is one of the most digitised in the world, and major Danish banks already offer Open Banking.

Djibouti

No Open Banking

59% of Djibouti's 1 million population use the internet...

Dominica

No Open Banking

The Eastern Caribbean Central bank has created its own form of digital currency meant to help speed transactions and serve people without bank accounts

Dominican Republic

No Open Banking

The Dominican Republic has committed to the design and implementation of Open Banking...

Ecuador

No Open Banking

Ecuador was the first in the world to introduce a Central Bank digital currency...

Egypt

No Open Banking

The national government payment system, the Meeza card, has been replacing the government payroll system...

El Salvador

No Open Banking

El Salvador established itself as a pioneer in cryptocurrencies with its 2021 adoption of Bitcoin as legal tender in the country...

Equatorial Guinea

No Open Banking

26% of the population was online by 2022…

Eritrea

No Open Banking

Only 8% of Eritrea's population is online...

Estonia

Open Banking

Open Finance

Estonia has a mission to become the 'world's most advanced digital society'...

Eswatini

No Open Banking

By 2019, there were 2 million online banking or bank app transactions taking place through mobile phones in Eswatini, compared to 72 million mobile money transactions...

Ethiopia

No Open Banking

Ethiopia ranked 119th out of 134 countries in the Digital Skills Global Index...

Falkland Islands (Malvinas)

No Open Banking

Fiji

No Open Banking

Fintech solutions are being sought to promote financial inclusion.

Finland

Open Banking

Open Finance

Finland is an internationally recognised Fintech hub which falls under the PSD2 legislation...

France

Open Banking

Open Finance

France has been steadily embracing Open Banking and digital payments since the inception of PSD2…

French Guiana

No Open Banking

67% of citizens of French Guiana had access to the internet in 2022...

French Polynesia

No Open Banking

Fintech could potentially allow Pacific island countries to alleviate the impact of structural impediments and persistent challenges...

French Southern Territories

No Open Banking

These areas have no permanently settled inhabitants.

Gabon

No Open Banking

Financial inclusion has been rapidly increasing in Gabon…

Georgia

No Open Banking

The National Bank of Georgia initiated consultations with the banking sector on the introduction of Open Banking...

Germany

Open Banking

Open Finance

Traditionally, Germany has been a cash-based economy, making migrating to new payment methods challenging…

Ghana

No Open Banking

The World Bank's economic update of Ghana praised the country's solution to mobile money switching for banking interoperability…

Greece

Open Banking

Open Finance

Open Banking is a very low priority for regulators, and there is no guidance around implementation

Greenland

No Open Banking

Grenada

No Open Banking

The Eastern Caribbean Central bank has created its own form of digital currency meant to help speed transactions and serve people without bank accounts.

Guadeloupe

No Open Banking

73% of the population of Guadeloupe had access to the internet at the beginning of 2022.

Guam

No Open Banking

U.S. island territory.

Guatemala

No Open Banking

Guatemala has the largest market of Fintech users in Central America...

Guinea

No Open Banking

30% of adults in Guinea had bank accounts in 2021...

Guinea-Bissau

No Open Banking

Guinea-Bissau is served by the Central Bank of West African States...

Guyana

No Open Banking

Guyana is a cash-oriented society, which leads to low financial inclusion...

Haiti

No Open Banking

The low rate of financial literacy remains a significant obstacle to overcome in Haiti...

Heard Island and McDonald Islands

No Open Banking

Heard Island and McDonald Islands is an uninhabited Australian external territory.

Honduras

No Open Banking

Promoting financial inclusion is a high priority for the government of Honduras...

Hong Kong

Open Banking

Open Finance

There are currently more than 600 Fintechs operating in Hong Kong…

Hungary

Open Banking

Open Finance

Hungary falls under the PSD2 legislation and has adopted Berlin Group's NextGenPSD2 standard.

Iceland

Open Banking

Open Finance

Fintech solutions have enabled the financial industry to change rapidly in Iceland...

India

Open Banking

The Indian government embarked on developing a digital infrastructure to assist efficient development in its diverse economy...

Indonesia

Open Banking

Indonesia's population, being spread across over 17,000 islands, creates technical challenges for their telecom infrastructure and mobile banking...

Iraq

No Open Banking

Financial inclusion is the main pillar for enhancing the use and ease of access to financial and banking services in Iraq...

Ireland

Open Banking

Open Finance

Open Banking in Ireland continues to gain momentum...

Islamic Republic of Iran

No Open Banking

Iran has Open Data as part of its 2025 Roadmap...

Israel

No Open Banking

There are more than 500 Fintech startups in Israel...

Italy

Open Banking

Open Finance

Italy is taking steps in the right direction, but needs to move quickly to keep pace with Open Banking innovation across the continent.

Jamaica

No Open Banking

Jamaica has passed legislation for the digital infrastructure required for Open Banking...

Japan

Open Banking

An island country in East Asia where the revision of the Banking Act has prompted innovation...

Jordan

No Open Banking

Even though Jordan is still largely cash-dependent, the development of online solutions accelerated during the Covid-19 pandemic...

Kazakhstan

No Open Banking

There is a significant informal economy in Kazakhstan…

Kenya

No Open Banking

Kenya’s mobile banking service, M-Pesa, launched in 2007, disrupted the financial sector...

Kingdom of Saudi Arabia

Open Banking

The government sees Open Banking as an opportunity to diversify Saudi Arabia's economy away from oil...

Kiribati

No Open Banking

Fintech could potentially allow Pacific island countries to alleviate the impact of structural impediments and persistent challenges...

Kuwait

No Open Banking

Kuwait has taken a regulatory-driven approach to Open Banking with the central bank as the regulator...

Kyrgyzstan

No Open Banking

Kyrgyzstan has a two-tier banking system…

Lao People's Democratic Republic

No Open Banking

The majority of the population is involved in subsistence- level agriculture...

Latvia

Open Banking

Open Finance

Latvia is a highly digitised economy and encourages Fintech investment and innovation.

Lebanon

No Open Banking

Lebanon was showing some promising Fintech growth...

Lesotho

No Open Banking

As of 2018, there was no interoperability between mobile wallets and banks, but just over half the population used a mobile wallet service…

Liberia

No Open Banking

52% of adults in Liberia had bank accounts in 2021...

Libya

No Open Banking

In 2021, the U.N. warned that the Libyan banking system was at risk of collapse...

Liechtenstein

Open Banking

Open Finance

The Blockchain Act has been drafted to incentivise blockchain projects by default…

Lithuania

Open Banking

Open Finance

Lithuania has developed a strong Fintech movement, with many UK firms setting up European bases in Vilnius...

Luxembourg

Open Banking

Open Finance

Luxembourg is a globally recognised international financial hub…

Madagascar

No Open Banking

The internet penetration rate stood at 22% in 2022...

Malawi

No Open Banking

As of 2021, 43% of adults in Malawi had bank accounts...

Malaysia

No Open Banking

The Malysian government is prioritising real-time payments...

Maldives

No Open Banking

The Maldives Monetary Authority (MMA) has developed a payments system to address the hurdles the island nation has over financial and payment services...

Mali

No Open Banking

Mali ranked 122nd out of 134 countries in Wiley's Digital Skills Global Index 2021...

Malta

Open Banking

Open Finance

In Malta, cash is still the dominant payment method for many individuals however the number of card payments at retail locations has increased in recent years...

Marshall island

No Open Banking

39% of the population of the Marshall Islands had access to the internet at the beginning of 2022.

Martinique

No Open Banking

64% of the population of Martinique had access to the internet at the beginning of 2022...

Mauritania

No Open Banking

77% of adults were without bank accounts in 2022...

Mauritius

No Open Banking

Mauritius Central Automated Switch (MauCAS) was launched in 2019 to route payments between banks...

Mayotte

No Open Banking

23% of Mayotte's population is online...

Mexico

Open Banking

Mexico’s online financial ecosystem has seen 16% growth from 2020 to 2021...

Micronesia, Federated States of

No Open Banking

Fintech could potentially allow Pacific island countries to alleviate the impact of structural impediments and persistent challenges...

Moldova

No Open Banking

Moldova has low financial inclusion, yet has approved new regulations on the payment services market in order to harmonise with the PSD2.

Monaco

No Open Banking

Despite PSD2 not featuring in Monaco's Monetary Agreement with the EU, some of Monaco's big banks have integrated it into their strategy...

Mongolia

No Open Banking

93% of Mongolians have bank accounts…

Montenegro

No Open Banking

Montenegro is a Balkan country with rugged mountains, medieval villages and a narrow strip of beaches along its Adriatic coastline. Open Banking is yet to take off in Montenegro.

 

Montserrat

No Open Banking

The Eastern Caribbean Central bank has created its own form of digital currency...

Morocco

No Open Banking

The country's leading banks are amongst the largest in Africa...

Mozambique

No Open Banking

49% of adults in Mozambique have bank accounts...

Myanmar

No Open Banking

The military coup of February 2021 led to a banking crisis in Myanmar...

Namibia

No Open Banking

In 2017, 16% of people asked had borrowed money from a family member, compared to 3% who had borrowed money from a bank…

Nauru

No Open Banking

Fintech could potentially allow Pacific island countries to alleviate the impact of structural impediments and persistent challenges...

Nepal

No Open Banking

In very rural areas, banks can be intimidating, seen as something for urbanites, with illiteracy an issue...

Netherlands

Open Banking

Open Finance

The Netherlands is one of the leading hubs for European Fintech innovation, and its digital ecosystem is ripe for Open Banking acceleration…

New Caledonia

No Open Banking

Fintech could potentially allow Pacific island countries to alleviate the impact of structural impediments and persistent challenges, such as geographic remoteness and dispersion...

New Zealand

Open Banking

New Zealand is hoping to learn from the development of Open Finance in the UK and the Australian CDR as they develop their Open Finance model.

Nicaragua

No Open Banking

Almost 45% of the GDP rests on Micro, Small, and Medium Enterprises in Nicaragua, yet finding finance is difficult...

Niger

No Open Banking

In 2017, the world bank noted that 85% of the population was without bank accounts...

Nigeria

Open Banking

Nigeria is consistently shown to be near the top of African nations when it comes to Fintech investment...

Niue

No Open Banking

Fintech could potentially allow Pacific island countries to alleviate the impact of structural impediments and persistent challenges...

Norfolk Island

No Open Banking

Norfolk Island is an Australian external territory in the South Pacific Ocean.

North Korea

No Open Banking

No information.

Northern Mariana Islands

No Open Banking

31% of the population of the Northern Mariana Islands had access to the internet at the beginning of 2022.

Norway

Open Banking

Open Finance

Denmark, Finland and Sweden are working together towards the Nordic collaborative models, which include Open Banking and establishing a common clearing platform for payments ...

Oman

No Open Banking

Oman has a sizeable Sharia-sensitive and unbanked population...

Pakistan

No Open Banking

Pakistan ruled that banks had to hold a set of minimum services via their internet banking and mobile banking channels...

Palau

No Open Banking

Fintech could potentially allow Pacific island countries to alleviate the impact of structural impediments and persistent challenges...

Panama

No Open Banking

The Government of Panama has announced that it will take a strategic approach to digitisation...

Papua New Guinea

No Open Banking

The confluence of multiple barriers such as difficult geographies, lack of physical and social infrastructure, and limited technological skills and know-how has created difficult challenges in the supply and access of financial services...

Paraguay

No Open Banking

Interoperability is required or encouraged for retail payments in Paraguay...

People's Republic of China

Open Banking

China's Open Banking transformation took place in order to compete with platforms such as Alipay and WeChat…

Peru

No Open Banking

Although Peru has not set out specific regulations for Open Finance yet, the financial institutions have already been sharing customer data for some time...

Philippines

No Open Banking

More Filipinos own mobile phones than financial accounts...

Pitcairn

No Open Banking

Fintech could potentially allow Pacific island countries to alleviate the impact of structural impediments and persistent challenges...

Poland

Open Banking

Open Finance

Poland’s trajectory towards a mature Open Banking ecosystem is gaining pace as participants continue to take advantage of PSD2.

Portugal

Open Banking

Open Finance

In Portugal the main barrier to Open Banking adoption is the incumbent banks approach to supporting Third-Party Providers (TPPs)...

Puerto Rico

No Open Banking

The Fintech sector in Puerto Rico has been growing by around 25% year on year...

Qatar

No Open Banking

There are over 800 Fintech enterprises in Qatar...

Republic of the Congo

No Open Banking

25% of the population of Congo were online in 2022…

Republic of The Gambia

No Open Banking

The number of Gambians projected to be included in the formal financial sector will increase from 19% in 2019 to 70% by 2025…

Reunion

No Open Banking

Réunion’s internet penetration rate was 41% in 2022...

Romania

Open Banking

Open Finance

Open Banking is a very low priority for regulators, and there is no guidance around implementation in Romania.

Russian Federation

Open Banking

The invasion of Ukraine has caused a crisis of IT professionals fleeing the country, and could set the industry back decades.

Rwanda

No Open Banking

The percentage of adults taking less than 30 minutes to reach a money agent is 99% in urban areas and 30% in rural areas...

Saint Barthélemy

No Open Banking

22% of the population of Saint Barthélemey had access to the internet at the beginning of 2022...

Saint Helena

No Open Banking

The internet penetration rate stood at 38% of the total population in 2022...

Saint Kitts and Nevis

No Open Banking

The Eastern Caribbean Central bank has created its own form of digital currency...

Saint Lucia

No Open Banking

With the high-speed broadband network and high uptake of smartphone technology, Saint Lucia already has the infrastructure needed for Open Banking...

Saint Martin (French part)

No Open Banking

21% of the population of Saint Martin had access to the internet at the beginning of 2022...

Saint Vincent and the Grenadines

No Open Banking

The Eastern Caribbean Central Bank has created its own form of digital currency...

Saint Vincent and the Grenadines

No Open Banking

The Eastern Caribbean Central Bank has created its own form of digital currency...

Samoa

No Open Banking

The government recently published the Samoa 2040 plan, which provides a roadmap for the country’s development, with a focus on Samoa’s digital economy.

San Marino

No Open Banking

There is momentum in San Marino to transform the country into a blockchain haven…

Sao Tome and Prince

No Open Banking

The Central Bank launched a National Financial Inclusion Strategy in 2021…

Senegal

No Open Banking

In 2020 the Agricultural Bank of Senegal introduced a digital platform to send money and make bill payments...

Serbia

Open Banking

Open Finance

The instant payment system introduced in 2018 is obligatory for all banks in the Republic of Serbia…

Seychelles

No Open Banking

The Central Bank of Seychelles states that they have the highest level of banked population in Sub-Saharan Africa at 94%...

Sierra Leone

No Open Banking

22% of adults in Sierra Leone had bank accounts in 2021...

Singapore

Open Banking

Open Finance

Singapore is a digitally advanced country, with digital wallets set to overtake credit cards as the preferred online payment method...

Slovakia

Open Banking

Open Finance

Slovakia falls under the PSD2 legislation and has developed the Slovak Banking API Standard (SBAS).

Slovenia

Open Banking

Open Finance

Slovenia falls under the PSD2 legislation and has an active startup ecosystem…

Solomon Islands

No Open Banking

The government is prioritising efforts to provide accessible banking and credit access in the Solomon Islands.

Somalia

No Open Banking

Somalia’s internet penetration rate was 10% at the start of 2023...

South Africa

No Open Banking

South Africa is likely the country in Southern Africa best prepared for an Open Banking regime.

South Korea

Open Banking

South Korea is moving from Open Banking to Open Finance with the forthcoming MyData initiative…

South Sudan

No Open Banking

Only 7% of the population use the internet in 2023...

Spain

Open Banking

Open Finance

Variations between banks make it harder to normalise Open Banking across integrations, despite its growth...

Sri Lanka

No Open Banking

The Central Bank of Sri Lanka announced they were assessing the possibility of introducing an Open Banking Framework for the country...

State of Palestine

No Open Banking

The country is still experiencing low levels of access to, and use of financial services...

Sudan

No Open Banking

At the start of 2023, Sudan's internet penetration stood at 28% of the total population...

Suriname

No Open Banking

The Government of Suriname is upgrading the national payment system...

Sweden

Open Banking

Open Finance

Sweden is one of the most well-prepared countries to welcome and adapt Open Banking technologies...

Switzerland

Open Banking

Open Finance

In Switzerland, the establishment of an Open Banking ecosystem is well underway through its industry-driven approach…

Syrian Arab Republic

No Open Banking

36% of Syrians have access to the internet in 2023...

Tajikistan

No Open Banking

Tajikistan's banking system is relatively undeveloped.

Thailand

No Open Banking

Thailand has aspirations to be a cashless society...

The Republic of North Macedonia

No Open Banking

Open Banking is included in the central bank strategy…

Timor-Leste

No Open Banking

Open Banking is not yet a focus...

Togo

No Open Banking

50% of the population in Togo had bank accounts in 2021...

Tokelau

No Open Banking

Fintech could potentially allow Pacific island countries to alleviate the impact of structural impediments and persistent challenges...

Tonga

No Open Banking

Financial inclusion remains an issue in Tonga...

Trinidad and Tobago

No Open Banking

The Central Bank has recently made a proposal to improve the payment system in Trinidad and Tobago...

Tunisia

No Open Banking

37% of adults in Tunisia had bank accounts as of 2021...

Turkey

Open Banking

Open Finance

Turkey closely follows the EU model...

Turkmenistan

No Open Banking

Turkmenistan plans to create a digital bank…

Turks and Caicos Islands

No Open Banking

The Turks and Caicos Islands have started to become an increasingly popular centre for Fintechs...

Tuvalu

No Open Banking

All transactions are carried out with cash in Tuvalu, imposing significant liquidity constraints on citizens.

Uganda

No Open Banking

The Bank of Uganda has a financial inclusion policy...

Ukraine

No Open Banking

Ukraine adopted the On Payment Services law in 2021 which brought in PSD2, resulting in the introduction of Open Banking.

United Arab Emirates

Open Banking

A regional hub for Fintech in Arab countries, the UAE was the first to lay the foundations for a Fintech ecosystem...

United Kingdom

Open Banking

The UK has a high digital readiness among the public, a pro-innovation regulatory environment, and the most TPPs across Europe.

United Republic of Tanzania

No Open Banking

The start of 2022 saw the rollout of its new payments system...

United States Minor Outlying Islands

No Open Banking

US territory.

United States of America

Open Banking

Open Finance

In the USA, there have been considerable efforts to build access for underrepresented communities to banking services...

Uruguay

No Open Banking

Throughout 2021 the Central Bank of Uruguay created working groups to share perspectives and insights on where they think Open Banking is heading...

Uzbekistan

No Open Banking

Uzbekistan has been trialling QR codes for mobile payments…

Vanuatu

No Open Banking

37% of adults in Vanuatu have bank accounts, leaving 63% unbanked.

Venezuela

No Open Banking

More banks are predicted to participate in Open Banking in Venezuela during 2023 and beyond...

Vietnam

No Open Banking

Viet Nam has both a rapidly-growing population and a rapidly-improving GDP...

Virgin Islands, British

No Open Banking

OBIE has built a domain for Crown Dependencies within the commercial Tech Directory onboarding platform...

Virgin Islands, U.S.

No Open Banking

64% of the population of the United States Virgin Islands had access to the internet at the beginning of 2022...

Wallis and Futuna

No Open Banking

Fintech could potentially allow Pacific island countries to alleviate the impact of structural impediments and persistent challenges...

Western Sahara

No Open Banking

The disputed territory of Western Sahara's internet penetration stood at 61% in 2022.

Yemen

No Open Banking

Yemen operates a large-scale Government to People program and an emergency cash transfer project...

Zambia

No Open Banking

49% of adults in Zambia had bank accounts in 2022...

Zimbabwe

No Open Banking

31% of Zimbabwe's population were using the internet in 2022...