A. M. 
Although access to financial services continues to expand in low- and middle-income economies, the financial health of households remains stagnant, according to the latest data from the Global Findex database.
The report reveals that, despite the increase in account ownership and the use of digital tools, these advances have not translated into greater economic resilience. According to Global Findex, only 56% of adults could easily obtain additional money to cover an unexpected event, such as loss of income or a medical emergency, a figure that has not improved since 2021.
Furthermore, the data shows that economic vulnerability is considerable: only half of adults in low- and middle-income economies would be able to cover their expenses for two months or more if they lost their main source of income. The other half would not be able to sustain themselves for more than a month, reflecting persistent financial fragility.
Economic development experts point out that these results show that financial inclusion involves not only opening a bank account or accessing digital platforms but also having the knowledge and ability to manage resources effectively.
The Global Findex findings underscore the need to strengthen financial education, promote savings, and improve economic conditions so that more people can build emergency buffers and move toward greater financial stability.
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