Alternative Financing Access

Composite 0-100 points for access to fintech, crowdfunding-like and other non-traditional financing rails, using fintech maturity, economic freedom, banking stability, account access, digital infrastructure, SWIFT access and rule of law.
1 Switzerland90 points 90 points 90
2 Luxembourg88 points 88 points 88
2 Singapore88 points 88 points 88
4 Sweden87 points 87 points 87
4 Denmark87 points 87 points 87
4 Netherlands87 points 87 points 87
7 Norway86 points 86 points 86
7 Finland86 points 86 points 86
9 Estonia85 points 85 points 85
9 Hong Kong85 points 85 points 85
9 Canada85 points 85 points 85
12 New Zealand84 points 84 points 84
12 Australia84 points 84 points 84
12 Gibraltar84 points 84 points 84
12 Iceland84 points 84 points 84
12 Germany84 points 84 points 84
12 United Kingdom84 points 84 points 84
18 United States83 points 83 points 83
18 Austria83 points 83 points 83
18 Ireland83 points 83 points 83
21 Korea Republic82 points 82 points 82
21 Belgium82 points 82 points 82
21 France82 points 82 points 82
24 Japan81 points 81 points 81
24 Greenland81 points 81 points 81
26 Faroe Islands80 points 80 points 80
26 Spain80 points 80 points 80
26 Lithuania80 points 80 points 80
29 Israel79 points 79 points 79
29 Czech Republic79 points 79 points 79
29 Portugal79 points 79 points 79
32 Bermuda78 points 78 points 78
32 United Arab Emirates78 points 78 points 78
32 Latvia78 points 78 points 78
32 Malta78 points 78 points 78
32 Slovenia78 points 78 points 78
37 Cayman Islands77 points 77 points 77
37 Réunion77 points 77 points 77
37 Turks and Caicos Islands77 points 77 points 77
40 Martinique76 points 76 points 76
40 Slovakia76 points 76 points 76
40 Italy76 points 76 points 76
40 Aruba76 points 76 points 76
40 British Virgin Islands76 points 76 points 76
40 Bahrain76 points 76 points 76
40 Guadeloupe76 points 76 points 76
40 Guam76 points 76 points 76
48 Chinese Taipei75 points 75 points 75
48 U.S. Virgin Islands75 points 75 points 75
50 Curacao74 points 74 points 74
50 Cyprus74 points 74 points 74
50 French Guiana74 points 74 points 74
53 Saint-Martin73 points 73 points 73
53 Poland73 points 73 points 73
53 New Caledonia73 points 73 points 73
53 Croatia73 points 73 points 73
53 Hungary73 points 73 points 73
53 Sint Maarten73 points 73 points 73
59 Northern Mariana Islands72 points 72 points 72
59 Saudi Arabia72 points 72 points 72
59 Tahiti72 points 72 points 72
59 Liechtenstein72 points 72 points 72
63 Montserrat71 points 71 points 71
63 American Samoa71 points 71 points 71
63 Saint Pierre and Miquelon71 points 71 points 71
63 Kuwait71 points 71 points 71
63 Malaysia71 points 71 points 71
63 Monaco71 points 71 points 71
69 Chile70 points 70 points 70
69 Mayotte70 points 70 points 70
69 Greece70 points 70 points 70
72 Bulgaria69 points 69 points 69
72 China69 points 69 points 69
74 Cook Islands68 points 68 points 68
74 Qatar68 points 68 points 68
74 Macau68 points 68 points 68
74 Thailand68 points 68 points 68
78 Oman67 points 67 points 67
78 Georgia67 points 67 points 67
78 Puerto Rico67 points 67 points 67
78 Uruguay67 points 67 points 67
82 Mauritius66 points 66 points 66
82 Brazil66 points 66 points 66
82 Romania66 points 66 points 66
82 Kazakhstan66 points 66 points 66
86 Wallis and Futuna65 points 65 points 65
86 Niue65 points 65 points 65
88 Costa Rica64 points 64 points 64
89 Mongolia63 points 63 points 63
89 North Macedonia63 points 63 points 63
89 Serbia63 points 63 points 63
92 Panama62 points 62 points 62
92 Turkey62 points 62 points 62
92 Trinidad and Tobago62 points 62 points 62
95 Armenia61 points 61 points 61
96 South Africa60 points 60 points 60
96 Kenya60 points 60 points 60
96 Montenegro60 points 60 points 60
99 Argentina59 points 59 points 59
99 Bosnia and Herzegovina59 points 59 points 59
99 Vietnam59 points 59 points 59
102 Dominican Republic58 points 58 points 58
102 Peru58 points 58 points 58
102 Namibia58 points 58 points 58
102 Ukraine58 points 58 points 58
102 Botswana58 points 58 points 58
107 Maldives57 points 57 points 57
107 Andorra57 points 57 points 57
107 Kosovo57 points 57 points 57
107 Azerbaijan57 points 57 points 57
107 Ghana57 points 57 points 57
107 Kyrgyzstan57 points 57 points 57
113 Mexico56 points 56 points 56
113 San Marino56 points 56 points 56
113 Paraguay56 points 56 points 56
116 Jamaica55 points 55 points 55
116 Colombia55 points 55 points 55
116 Uzbekistan55 points 55 points 55
116 Belarus55 points 55 points 55
116 Russia55 points 55 points 55
116 Indonesia55 points 55 points 55
116 Philippines55 points 55 points 55
123 Belize54 points 54 points 54
123 Brunei54 points 54 points 54
123 Jordan54 points 54 points 54
123 India54 points 54 points 54
123 Moldova54 points 54 points 54
123 Senegal54 points 54 points 54
129 Gabon53 points 53 points 53
129 Swaziland53 points 53 points 53
129 Albania53 points 53 points 53
129 Zambia53 points 53 points 53
133 Uganda52 points 52 points 52
133 Ecuador52 points 52 points 52
135 Lesotho51 points 51 points 51
136 Bahamas50 points 50 points 50
136 El Salvador50 points 50 points 50
136 Morocco50 points 50 points 50
139 Barbados49 points 49 points 49
139 Rwanda49 points 49 points 49
139 Tanzania49 points 49 points 49
139 Cambodia49 points 49 points 49
139 Nigeria49 points 49 points 49
144 Seychelles48 points 48 points 48
144 Ivory Coast48 points 48 points 48
144 Guatemala48 points 48 points 48
147 Honduras47 points 47 points 47
147 Egypt47 points 47 points 47
147 Sri Lanka47 points 47 points 47
150 Bolivia46 points 46 points 46
150 Tajikistan46 points 46 points 46
150 Cameroon46 points 46 points 46
153 Togo45 points 45 points 45
153 Nepal45 points 45 points 45
153 Benin45 points 45 points 45
153 Congo45 points 45 points 45
157 Tunisia44 points 44 points 44
157 Gambia44 points 44 points 44
157 Malawi44 points 44 points 44
157 Antigua and Barbuda44 points 44 points 44
161 Bhutan43 points 43 points 43
161 Mozambique43 points 43 points 43
161 Grenada43 points 43 points 43
161 Mali43 points 43 points 43
161 Iran43 points 43 points 43
166 Nicaragua42 points 42 points 42
166 Saint Kitts and Nevis42 points 42 points 42
166 Anguilla42 points 42 points 42
166 Burkina Faso42 points 42 points 42
166 Palestine42 points 42 points 42
171 Fiji41 points 41 points 41
171 Liberia41 points 41 points 41
171 Saint Vincent and the Grenadines41 points 41 points 41
171 Bangladesh41 points 41 points 41
171 Venezuela41 points 41 points 41
171 Laos41 points 41 points 41
177 Saint Lucia40 points 40 points 40
177 Algeria40 points 40 points 40
177 Iraq40 points 40 points 40
177 Cape Verde40 points 40 points 40
177 Guinea40 points 40 points 40
177 Comoros40 points 40 points 40
183 Mauritania39 points 39 points 39
183 Pakistan39 points 39 points 39
185 Dominica38 points 38 points 38
185 Samoa38 points 38 points 38
185 Ethiopia38 points 38 points 38
185 Angola38 points 38 points 38
189 Guyana37 points 37 points 37
190 Madagascar36 points 36 points 36
190 Sierra Leone36 points 36 points 36
190 Djibouti36 points 36 points 36
190 Congo DR36 points 36 points 36
194 Zimbabwe35 points 35 points 35
194 Suriname35 points 35 points 35
194 Tonga35 points 35 points 35
197 Micronesia34 points 34 points 34
197 Vanuatu34 points 34 points 34
199 Libya33 points 33 points 33
199 Turkmenistan33 points 33 points 33
201 Solomon Islands32 points 32 points 32
201 Myanmar32 points 32 points 32
201 Papua New Guinea32 points 32 points 32
204 Haiti31 points 31 points 31
204 Palau31 points 31 points 31
206 Niger30 points 30 points 30
206 Lebanon30 points 30 points 30
208 Zanzibar29 points 29 points 29
209 São Tomé and Príncipe28 points 28 points 28
209 Central African Republic28 points 28 points 28
211 Marshall Islands27 points 27 points 27
212 Burundi26 points 26 points 26
212 Chad26 points 26 points 26
212 Equatorial Guinea26 points 26 points 26
215 Nauru25 points 25 points 25
216 Kiribati24 points 24 points 24
217 Timor-Leste23 points 23 points 23
217 Tuvalu23 points 23 points 23
219 Somalia20 points 20 points 20
219 Guinea-Bissau20 points 20 points 20
221 Afghanistan18 points 18 points 18
221 Sudan18 points 18 points 18
223 Cuba17 points 17 points 17
224 Eritrea15 points 15 points 15
225 Yemen14 points 14 points 14
225 South Sudan14 points 14 points 14
225 Western Sahara14 points 14 points 14
228 Syria12 points 12 points 12
229 Korea DPR4 points 4 points 4

Last rating: June 17th, 2026

How the Raw Value Is Calculated

The raw value is a Nomadino 0-100 point value for alternative financing beyond traditional bank loans. 0 means digital or non-bank financing channels are barely usable, while 100 means very strong conditions for platform-based, digital and non-bank financing.

The starting point is Nomadino data on fintech development, economic freedom, banking stability, expat banking ease, 5G coverage, international payment access and rule of law. The result is checked against World Bank financial data, IMF financial-access data and digital-infrastructure data.

The calculation combines seven blocks: fintech development counts for 35%, economic freedom 20%, banking stability 15%, expat banking ease 10%, 5G coverage 10%, international payment access 5%, and rule of law 5%.

Fintech receives the highest weight here because digital identity, payment infrastructure, platforms and mobile financial services are central to alternative financing. Rule of law and the banking system remain included as trust and settlement foundations.

For countries and territories without complete direct coverage, Nomadino uses maintained replacement values. They are checked against regional peers, administering states, digital infrastructure, payment access and available financial indicators.

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