| Code | FB.ATM.TOTL.P5 |
| Indicator Name | Automated teller machines (ATMs) (per 100,000 adults) |
| Short definition | Automated teller machines (ATMs) are electromechanical devices which enable customers of financial institutions to perform financial transactions such as cash withdrawals, balance inquiries, deposits, transfer of funds, and obtaining account information, using an electronic card. |
| Long definition | Automated teller machines (ATMs) are electromechanical devices which enable customers of financial institutions to perform financial transactions such as cash withdrawals, balance inquiries, deposits, transfer of funds, and obtaining account information, using an electronic card. |
| Source | Financial Access Survey, International Monetary Fund (IMF), uri: https://data.imf.org/?sk=E5DCAB7E-A5CA-4892-A6EA-598B5463A34C |
| Topic | Financial Sector: Access |
| Dataset | WDI |
| Unit of measure | (number of ATMs)*100,000/adult population |
| Periodicity | Annual |
| Reference period | 2004-2023 |
| Aggregation method | Median |
| Statistical concept and methodology | Methodology: Data are shown as the total number of ATMs for every 100,000 adults in the reporting country. Calculated as (number of ATMs)*100,000/adult population in the reporting country.
Statistical concept(s): Data are shown as the total number of ATMs for every 100,000 adults in the reporting country. Calculated as (number of ATMs)*100,000/adult population in the reporting country. |
| Development relevance | Financial inclusion acts as a powerful driver not only of economic growth but, more importantly, of inclusive growth. It ensures that diverse segments of society—especially low-income households and small enterprises—have access to and can effectively use financial services, allowing them to share in the benefits of economic development. By promoting savings and investment, stabilizing consumption, and reducing the financial vulnerability of individuals and businesses, financial inclusion supports broader economic expansion. Accessible and affordable financial tools—such as savings accounts, credit, and insurance—enable people, particularly those traditionally underserved or excluded, to invest in their futures, manage spending more effectively, and mitigate financial risks. These benefits can translate into higher income levels and contribute to reducing poverty and inequality. Ultimately, financial inclusion aims to expand economic opportunity and participation, helping to build a more equitable and prosperous society. |
| Limitations and exceptions | Population-based ratios of the number of branches and ATMs assume a uniform distribution of bank outlets within a country's area and across its population, while in most countries bank branches and ATMs are concentrated in urban centers of the country and are accessible only to some individuals. |
| Other notes | Country-specific metadata can be found on the IMF’s FAS website (data.imf.org). |
| License URL | https://datacatalog.worldbank.org/public-licenses#cc-by |
| License Type | CC BY-4.0 |
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