GO TO BOX 2.3 <!-- Start of picture text --> reported doing so directly from an account. In developing economies, by contrast, almost<br>90 percent reported making the payments exclusively in cash. But there are striking ex-<br>ceptions to this overall pattern (box 2.3).<br>Among those making utility payments in high-income OECD economies, 7 percent re-<br>ported doing so neither directly from an account nor in cash. This category may capture<br>people who pay using checks or whose utility payments are included in rent payments<br>and thus made indirectly.<br>How do people pay school fees? FIGURE 2.8<br>School fee payers and how they make payments<br>School fees are another regular payment Adults paying school fees in the past year, by method (as % of all adults), 2014<br>made by many households in developing 33<br>economies. On average in these economies,<br>27 27<br>about 30 percent of adults reported hav- 23 Using other method<br>ing made such payments in the past 12 19 20<br>months (figure 2.8). The vast majority—83 17<br>In cash only<br>percent—did so exclusively in cash.<br>Only a few countries have a significant share From an account<br>making the payments digitally—either directly East Asia& Pacific & CentralEurope America &Latin MiddleEast SouthAsia Sub-SaharanAfrica Developingeconomies<br>Asia Caribbean<br>from an account at a financial institution<br>or through a mobile phone. One of these is Source: Global Findex database.<br>Kenya, where half of adults reported having<br>made payments for school fees in the past 12 months; of these, 58 percent made the pay-<br>ments digitally—37 percent from a financial institution account only, 14 percent through<br>a mobile phone only, and 7 percent both from a financial institution account and through<br>a mobile phone. Of the 21 percent making the payments through a mobile phone, 18<br>percent did so from a mobile money account and 3 percent through an OTC transaction.<br>Payments between people—domestic remittances<br>Domestic remittances are an important part of the economy in many places in the devel-<br>oping world. On average, 15 percent of adults in developing economies reported having<br>sent money to a relative or friend living in a different part of the country, and 19 percent<br>having received such a payment, in the past 12 months. 7 Overall, 26 percent of adults<br>reported having either sent or received a domestic remittance payment in the past year. 8<br>Domestic remittances are particularly important in Sub-Saharan Africa, where 48 per-<br>cent of adults reported having either sent or received them. 9 In Kenya, South Africa, and<br>Uganda—the three countries with the highest shares for both sending and receiving<br>domestic remittances—between 65 and 70 percent of adults reported having sent or<br>received them (more than 40 percent reported sending remittances, and 54 percent<br>or more receiving them). The shares were almost as high in other Sub-Saharan African<br>countries. In East Asia and the Pacific and Europe and Central Asia about 25 percent of<br>adults reported sending or receiving remittances—while in Latin America and the Carib-<br>bean, the Middle East, and South Asia about 17 percent did.<br>THE GLOBAL FINDEX DATABASE 34<br><!-- End of picture text -->