Financial Service

2010 (%)

2020 (%)

Banked (have a bank account)

23.3

55.1

Use of non-bank formal channels (e.g., SACCOs, MFIs)

7.4

27.4

Use of informal channels (e.g., champs, friends/family)

30.6

12.7

Excluded (no access to any financial services)

38.7

4.8