Ammon News - A new report by the World Bank titled the “Global Financial Inclusion Index 2025” revealed significant progress in financial inclusion in Jordan, with 62% of adults owning bank accounts or mobile wallets in 2024.

The figure marks a notable increase compared to previous years, rising from 47% in 2021 and just 25% in 2011.

The report, cited by Al-Mamlaka, highlighted the pivotal role of digital technology in driving this transformation. Mobile phone penetration among adults reached 92%, while 84% reported using the internet regularly.

This widespread digital access has influenced financial behavior, with 54% of Jordanians sending or receiving digital payments during 2024.

According to the report, 15% of adults receive government payments, including salaries or assistance, with 75% of those payments deposited directly into bank accounts or mobile wallets.

However, a gender gap in account ownership persists. The report showed that 68% of men hold financial accounts, compared to 56% of women — a gap of 12% points.

The findings also indicated that 11% of adults save money through formal financial institutions, while 16% reported borrowing formally from banks or financial institutions.

In terms of financial resilience, 44% of Jordanians said they could raise emergency funds within 30 days without significant difficulty.

Among the 38% of adults who remain unbanked, 77% cited insufficient funds as the main reason. This was followed by reliance on a family member’s account 26% and the high cost of financial services 24%.