Fintech Development

Raw value is a Nomadino 0-100 point value for practical fintech development. It combines public Global Findex data on digital payments, digital accounts, mobile money, Internet and mobile-phone use with ATM infrastructure based on World Bank WDI / IMF Financial Access Survey data. Higher is better and the score equals the raw value.
1 Austria98 points 98 points 98
1 Iceland98 points 98 points 98
3 Australia97 points 97 points 97
3 Bermuda97 points 97 points 97
3 British Virgin Islands97 points 97 points 97
3 Canada97 points 97 points 97
3 Cayman Islands97 points 97 points 97
3 Estonia97 points 97 points 97
3 France97 points 97 points 97
3 French Guiana97 points 97 points 97
3 Germany97 points 97 points 97
3 Gibraltar97 points 97 points 97
3 Guadeloupe97 points 97 points 97
3 Luxembourg97 points 97 points 97
3 Martinique97 points 97 points 97
3 Mayotte97 points 97 points 97
3 Montserrat97 points 97 points 97
3 New Caledonia97 points 97 points 97
3 Réunion97 points 97 points 97
3 Saint Pierre and Miquelon97 points 97 points 97
3 Saint-Martin97 points 97 points 97
3 Spain97 points 97 points 97
3 Switzerland97 points 97 points 97
3 Tahiti97 points 97 points 97
3 Turks and Caicos Islands97 points 97 points 97
3 United Kingdom97 points 97 points 97
3 Wallis and Futuna97 points 97 points 97
28 Denmark96 points 96 points 96
28 Faroe Islands96 points 96 points 96
28 Greenland96 points 96 points 96
31 American Samoa95 points 95 points 95
31 Aruba95 points 95 points 95
31 Belgium95 points 95 points 95
31 Cook Islands95 points 95 points 95
31 Curacao95 points 95 points 95
31 Finland95 points 95 points 95
31 Guam95 points 95 points 95
31 Netherlands95 points 95 points 95
31 New Zealand95 points 95 points 95
31 Niue95 points 95 points 95
31 Northern Mariana Islands95 points 95 points 95
31 Norway95 points 95 points 95
31 Sint Maarten95 points 95 points 95
31 Slovenia95 points 95 points 95
31 Sweden95 points 95 points 95
31 U.S. Virgin Islands95 points 95 points 95
31 United States95 points 95 points 95
48 Ireland94 points 94 points 94
48 Japan94 points 94 points 94
48 Korea Republic94 points 94 points 94
51 Latvia93 points 93 points 93
52 Czech Republic92 points 92 points 92
52 Italy92 points 92 points 92
52 Slovakia92 points 92 points 92
55 Hong Kong91 points 91 points 91
55 Israel91 points 91 points 91
55 Lithuania91 points 91 points 91
55 Malta91 points 91 points 91
55 Portugal91 points 91 points 91
55 Singapore91 points 91 points 91
61 Greece90 points 90 points 90
62 Mongolia89 points 89 points 89
63 China88 points 88 points 88
63 Croatia88 points 88 points 88
63 Cyprus88 points 88 points 88
66 Hungary87 points 87 points 87
67 Ukraine86 points 86 points 86
68 Kazakhstan83 points 83 points 83
68 Poland83 points 83 points 83
70 Iran82 points 82 points 82
70 Russia82 points 82 points 82
72 Bahrain81 points 81 points 81
72 Brazil81 points 81 points 81
72 Chile81 points 81 points 81
75 Thailand80 points 80 points 80
76 Saudi Arabia79 points 79 points 79
77 Belarus78 points 78 points 78
77 Kenya78 points 78 points 78
77 Kuwait78 points 78 points 78
80 Argentina77 points 77 points 77
80 Bulgaria77 points 77 points 77
80 Malaysia77 points 77 points 77
80 North Macedonia77 points 77 points 77
80 Venezuela77 points 77 points 77
85 Serbia76 points 76 points 76
86 Turkey75 points 75 points 75
86 United Arab Emirates75 points 75 points 75
88 Uruguay73 points 73 points 73
89 Chinese Taipei72 points 72 points 72
90 Ghana71 points 71 points 71
90 Mauritius71 points 71 points 71
90 Trinidad and Tobago71 points 71 points 71
93 Georgia70 points 70 points 70
93 Kyrgyzstan70 points 70 points 70
93 Oman70 points 70 points 70
96 Costa Rica69 points 69 points 69
96 Montenegro69 points 69 points 69
98 Bosnia and Herzegovina68 points 68 points 68
98 Maldives68 points 68 points 68
98 Senegal68 points 68 points 68
98 Vietnam68 points 68 points 68
102 South Africa67 points 67 points 67
103 Namibia66 points 66 points 66
103 Puerto Rico66 points 66 points 66
103 Romania66 points 66 points 66
106 Armenia65 points 65 points 65
107 Gabon64 points 64 points 64
108 Monaco62 points 62 points 62
108 Peru62 points 62 points 62
108 Zambia62 points 62 points 62
111 Panama61 points 61 points 61
111 Swaziland61 points 61 points 61
113 Dominican Republic60 points 60 points 60
113 Paraguay60 points 60 points 60
113 Uzbekistan60 points 60 points 60
116 Azerbaijan59 points 59 points 59
116 Belize59 points 59 points 59
116 Moldova59 points 59 points 59
116 Uganda59 points 59 points 59
120 Botswana58 points 58 points 58
120 Colombia58 points 58 points 58
120 Kosovo58 points 58 points 58
123 Ecuador55 points 55 points 55
123 Lesotho55 points 55 points 55
123 Liechtenstein55 points 55 points 55
123 Macau55 points 55 points 55
123 Qatar55 points 55 points 55
128 Bolivia54 points 54 points 54
128 Cameroon54 points 54 points 54
128 India54 points 54 points 54
131 Ivory Coast53 points 53 points 53
131 Jamaica53 points 53 points 53
133 Mexico52 points 52 points 52
133 Nigeria52 points 52 points 52
135 Indonesia51 points 51 points 51
135 Tajikistan51 points 51 points 51
137 Congo50 points 50 points 50
137 Sri Lanka50 points 50 points 50
137 Togo50 points 50 points 50
140 Jordan49 points 49 points 49
140 Mali49 points 49 points 49
140 Philippines49 points 49 points 49
140 Tanzania49 points 49 points 49
144 Albania46 points 46 points 46
144 Cambodia46 points 46 points 46
146 Burkina Faso45 points 45 points 45
146 Mozambique45 points 45 points 45
148 Benin44 points 44 points 44
148 El Salvador44 points 44 points 44
148 Liberia44 points 44 points 44
148 Zimbabwe44 points 44 points 44
152 Honduras43 points 43 points 43
153 Egypt42 points 42 points 42
154 Laos41 points 41 points 41
154 Libya41 points 41 points 41
154 Malawi41 points 41 points 41
154 Morocco41 points 41 points 41
154 Nepal41 points 41 points 41
154 Palestine41 points 41 points 41
160 Bangladesh39 points 39 points 39
160 Guatemala39 points 39 points 39
162 Andorra38 points 38 points 38
162 Bahamas38 points 38 points 38
162 Lebanon38 points 38 points 38
162 Myanmar38 points 38 points 38
162 Rwanda38 points 38 points 38
162 San Marino38 points 38 points 38
162 Tunisia38 points 38 points 38
169 Gambia37 points 37 points 37
169 Iraq37 points 37 points 37
171 Algeria36 points 36 points 36
172 Comoros35 points 35 points 35
173 Congo DR34 points 34 points 34
173 Mauritania34 points 34 points 34
173 Somalia34 points 34 points 34
176 Guinea33 points 33 points 33
176 Nicaragua33 points 33 points 33
176 Sierra Leone33 points 33 points 33
179 Turkmenistan32 points 32 points 32
180 Pakistan30 points 30 points 30
181 Angola29 points 29 points 29
181 Bhutan29 points 29 points 29
181 Ethiopia29 points 29 points 29
184 Barbados28 points 28 points 28
184 Brunei28 points 28 points 28
184 Seychelles28 points 28 points 28
187 Haiti26 points 26 points 26
188 Antigua and Barbuda22 points 22 points 22
189 Madagascar21 points 21 points 21
190 Anguilla20 points 20 points 20
190 Saint Kitts and Nevis20 points 20 points 20
190 Saint Lucia20 points 20 points 20
193 Chad18 points 18 points 18
193 Dominica18 points 18 points 18
193 Fiji18 points 18 points 18
193 Grenada18 points 18 points 18
193 Guyana18 points 18 points 18
193 Saint Vincent and the Grenadines18 points 18 points 18
199 Cape Verde15 points 15 points 15
199 Niger15 points 15 points 15
199 Sudan15 points 15 points 15
199 Suriname15 points 15 points 15
203 Djibouti12 points 12 points 12
203 Zanzibar12 points 12 points 12
205 Yemen11 points 11 points 11
206 Central African Republic10 points 10 points 10
206 Palau10 points 10 points 10
206 Samoa10 points 10 points 10
209 Equatorial Guinea8 points 8 points 8
209 Marshall Islands8 points 8 points 8
209 Papua New Guinea8 points 8 points 8
209 São Tomé and Príncipe8 points 8 points 8
209 Tonga8 points 8 points 8
209 Vanuatu8 points 8 points 8
215 Afghanistan7 points 7 points 7
216 Burundi5 points 5 points 5
216 Cuba5 points 5 points 5
216 Guinea-Bissau5 points 5 points 5
216 Kiribati5 points 5 points 5
216 Micronesia5 points 5 points 5
216 Nauru5 points 5 points 5
216 Solomon Islands5 points 5 points 5
216 Timor-Leste5 points 5 points 5
224 South Sudan4 points 4 points 4
225 Syria3 points 3 points 3
225 Tuvalu3 points 3 points 3
227 Eritrea2 points 2 points 2
227 Western Sahara2 points 2 points 2
229 Korea DPR1 point 1 point 1

Last rating: June 18th, 2026

How the Raw Value Is Calculated

The raw value is a Nomadino 0-100 point value for practical digital financial-service development. 0 means digital financial infrastructure is barely usable, while 100 means very broad use of digital payments, digital accounts, mobile financial services and strong technical access conditions.

The calculation mainly uses the World Bank Global Findex database. It directly includes digital payments, digital payments made, digital merchant payments, account ownership, mobile money accounts, Internet use and mobile-phone ownership. Nomadino uses the latest available non-empty value for each country.

The weighting is: digital payment use 40%, digital accounts and mobile money 25%, digital connectivity 20%, financial-access infrastructure 10%, and digital merchant payments 5%. Financial-access infrastructure is included through Nomadino's separate ATM availability indicator, which is based on World Bank and IMF FAS data.

Digital payment use receives the highest weight because a country is only truly fintech-developed for visitors and residents if digital payments are common in everyday life. Accounts, mobile money and connectivity show whether people can use these services at all. Merchant payments receive a smaller weight because they are partly included in general payment use, but they add practical information about everyday acceptance.

Pure startup rankings, venture-capital volume, individual famous providers, crypto regulation, banking secrecy, international transfers and banking stability are not directly included. They can matter, but they do not directly measure whether digital financial services are broadly usable in everyday life.

For countries and territories without a separate Findex series, Nomadino uses maintained replacement values or the administering state where its financial and payment infrastructure is practically decisive. These values are checked against regional peers, existing Nomadino financial indicators, payment infrastructure and public central-bank or supervisory sources.

The score equals the raw value. A higher raw value therefore improves the ranking.