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  "documentTitle": "Navigating payments matrix",
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      "text": "In 2017, only 69% of the global adult population had a bank account or mobile wallet—far from the 2020 objective of full financial inclusion.",
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      "text": "Global financial inclusion rate: 69%",
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      "text": "By 2019, it had attracted 43m subscribers, in a country with a population at the time of 69.5m.\n\nIn developing countries, financial inclusion will continue to be driven by mobile devices and access to affordable, convenient payment mechanisms. By 2025, smartphone penetration will likely reach 80% globally, largely via uptake in emerging markets such as Indonesia, Pakistan and Mexico. Trust in these systems, particularly as central banks consider the feasibility of CBDCs, puts new emphasis on the role of supervisors to ensure data privacy and traceability for consumers and businesses.",
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      "text": "In 2014, the World Bank set a goal under its Universal Financial Access programme that by 2020, adults who were not part of the formal financial system would be able to have access to a transaction account to store money and send and receive payments.",
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      "text": "That goal is still some way from being achieved, but the number of initiatives is growing. One example: Thailand's PromptPay, which enables users to make and receive payments using bank accounts or digital wallets linked to their national ID, mobile phone number or email address.",
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      "text": "Source: The World Bank Group",
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