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Figure 4:
Financial Product and Service Ownership by Country
| Bank/Current Account | Payment Card5 | Mobile Wallet | |
|---|---|---|---|
| Fiji Papua | 62% | 86% | 78% |
| New Guinea | 49% | 48% | 10% |
| Samoa | 40% | 27% | 24% |
| Solomon Islands | 45% | 7% | 4% |
| Timor-Leste | 48% | 46% | 24% |
| Tonga | 54% | 32% | 4% |
| Vanuatu | 53% | 40% | 9% |
Mean Total Scores by Gender and Locality
| Country | Urban Men | Rural Men | Urban Women | Rural Women |
|---|---|---|---|---|
| Fiji Papua | 23.38 | 24.55 | 27.57 | 24.52 |
| New Guinea | 24.99 | 19.62 | 22.95 | 18.92 |
| Samoa | 22.99 | 22.57 | 24.07 | 21.24 |
| Solomon Islands | 25.18 | 18.80 | 22.51 | 18.47 |
| Timor-Leste | 22.18 | 18.80 | 22.51 | 18.47 |
| Tonga | 23.41 | 23.21 | 23.55 | 22.53 |
| Vanuatu | 27.23 | 23.62 | 23.77 | 20.96 |
Mean Scores in Four Areas for Countries Surveyed
| Country | Digitalization | Financial Competencies | Digital Financial Competencies | DFS Outcomes | Total |
|---|---|---|---|---|---|
| Points possible | 18 | 13 | 9 | 12 | 52 |
| Fiji Papua | 7.97 | 7.65 | 3.97 | 7.22 | 26.81 |
| New Guinea | 6.15 | 7.16 | 2.94 | 4.88 | 21.13 |
| Samoa | 6.95 | 6.87 | 3.44 | 5.14 | 22.41 |
| Solomon Islands | 6.35 | 7.66 | 3.27 | 4.72 | 22.00 |
| Timor-Leste | 5.42 | 7.08 | 3.38 | 4.59 | 20.47 |
| Tonga | 6.87 | 7.19 | 4.18 | 4.98 | 23.22 |
| Vanuatu | 6.99 | 7.68 | 3.36 | 5.05 | 23.08 |
Overall Scores by Educational Attainment and Work Status
| Country | Middle School or less | Secondary School | University | Self-Employment | Formal Employment |
|---|---|---|---|---|---|
| Fiji Papua | 20.78 | 25.81 | 31.31 | 25.96 | 29.26 |
| New Guinea | 17.74 | 23.32 | 26.88 | 20.71 | 26.17 |
| Samoa | 19.05 | 21.71 | 25.45 | 22.72 | 24.69 |
| Solomon Islands | 19.32 | 23.84 | 27.10 | 21.86 | 25.46 |
| Timor-Leste | 16.67 | 22.08 | 26.56 | 19.65 | 23.93 |
| Tonga | 20.60 | 23.36 | 26.77 | 24.77 | 26.87 |
| Vanuatu | 20.80 | 25.95 | 23.73 | 22.96 | 23.08 |
j_irfc-2024-0008_uatab_001
| Digitalization | Financial Competencies |
| Maximum achievable score of 18 points, with a focus on access to digital devices, digital activities performed, Internet access and online activities, awareness of and participation in safe digital/online practices. | Maximum achievable score of 13 points, with a focus on engagement with financial safeguards (e.g., budgeting and savings behaviours) and financial knowledge (e.g., basic understanding of the concept of inflation, how borrowing impacts MSME profitability, etc.). |
| Digital Financial Competencies | Digital Financial Outcomes |
| Maximum achievable score of 9 points, with a focus on commonly held beliefs about digital financial services and behaviors (both practices for keeping financial information safe online and use of DFS for money management). | Maximum achievable score of 21 points, with a focus on positive and negative outcomes associated with use of mobile or online financial services, including current financial circumstances and the impact of DFS services on financial well-being. |
Total Number of Respondents per Country with Percentage Male and Female
| Country | Women | Men | N |
|---|---|---|---|
| Fiji | 49% | 51% | 1,678 |
| Papua New Guinea | 48% | 52% | 1,587 |
| Samoa | 49% | 51% | 1,216 |
| Solomon Islands | 49% | 51% | 1,540 |
| Timor-Leste | 49% | 51% | 1,631 |
| Tonga | 49% | 51% | 1,212 |
| Vanuatu | 50% | 50% | 1,212 |