DFS indicators were developed to address the three basic dimensions of financial inclusion: access, usage and quality.

Considering the dynamism and constantly evolving nature of digital financial services, particularly due to emerging technology adoption, DFS indicators should be comprehensive enough to meaningfully capture subsets such as availability (as a subset of access), and uptake or adoption (as a subset of usage). They should also have a strong focus on quality, which is the dimension most affected by the rapid changes associated with DFS design, development, distribution and regulations. Download the guideline note or read in fullscreen.