| 2011 | 2014 | 2017 |
Formal account | 56% | 68% | 70% |
Formal savings | 10% | 12% | 14% |
Formal loan | 6% | 12% | 9% |
Debit card | 41% | 59% | 59% |
Mobile account usage | AT | 0% | 1% |