The World Bank’s "Global Financial Inclusion Index 2025" report reveals significant progress in Jordan’s access to financial services. The percentage of adults holding bank accounts or e-wallets rose to 62% in 2024.
اضافة اعلان
This figure marks a steady climb from previous years, up from 47% in 2021 and a mere 25% in 2011.
Digital Transformation and Connectivity
The report, highlights the pivotal role of digital technology in this shift:
Mobile Penetration: 92% among adults.
Internet Usage: 84% of adults use the internet regularly.
Digital Payments: 54% of Jordanians made or received digital payments during 2024.
Regarding government transfers, 15% of adults receive payments from the government (salaries or aid), 75% of which are deposited directly into bank accounts or e-wallets.
Savings, Credit, and the Gender Gap
Despite the overall growth, the report notes a persistent gender gap in account ownership:
Men: 68% hold accounts.
Women: 56% hold accounts (a 12-percentage-point gap).
Financial Habits:
Savings: 11% of adults save money through formal financial institutions.
Borrowing: 16% have taken formal loans from banks or financial institutions.
Financial Resilience: 44% of Jordanians reported being able to secure emergency funds within 30 days without significant difficulty.
Barriers to Inclusion
For the remaining 38% of the population without a financial account, the report identified the primary obstacles:
Lack of sufficient funds: 77% (the leading reason).
Reliance on a family member's account: 26%.
High cost of financial services: 24%.
— Al-Mamlaka
