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Recent years have seen explosive progress in nancial inclusion. Worldwide, 62 percent of adults have an account at a nancial institution or through a mobile money provider, up from 51 percent in 2011. Back then, 2.5 billion adults struggled to get by without banking services; today, their ranks have been reduced by a fth, to 2 billion. Drawing on new data from the 2014 Global Financial Inclusion (Global Findex) database, this note measures the extent of account ownership and explores how accounts are used. It concludes by outlining ways governments and the private sector can encourage people to more actively use their accounts