percent of people getting agricultural payments receive them into an account, in most cases a mobile money account.

In the developing economies of ECA, only about 10 percent of adults received payments for agricultural sales the year before the 2014 and 2017 Findex surveys. In 2014 only 5 percent of the agricultural product sellers reported having received payments via an account, and none reported receiving payment through a mobile phone. In 2017 these figures rose to 20 percent and 8 percent, respectively.

## _Domestic Remittance Payments_

Domestic remittances play an important role in many developing economies. In the developing economies of ECA, the share of adults sending or receiving domestic remittances increased from 22 percent in 2014 to 29 percent in 2017. Forty‐eight percent of these senders or recipients used a financial institution account in 2017, up from 33 percent in 2014. The share of senders or recipients using mobile phones increased from 4 percent in 2014 to 24 percent in 2017, and the share using cash or making transfers in person declined from 51 percent to 26 percent.

A few countries stood out in this trend. In Russia, for example, the share of domestic remittance senders or recipients using mobile phones soared from 8 percent in 2014 to 38 percent in 2017. The share using financial institution accounts increased by 10 percentage points, to 48 percent, over the same period. The proportion using cash fell from 36 percent to 14 percent.

In Turkey the increase in the use of accounts and mobile phones for remittances has been remarkable, rising from 35 percent in 2014 to 56 percent in 2017. Over the same period, the share of remittance senders or recipients using mobile phones skyrocketed, from 2 percent to 24 percent, and the share sending or receiving cash in person dropped from 60 percent to 23 percent.

# Use of Digitalized Accounts Is Also Rising

Account ownership is key to financial inclusion. But secure and convenient ways to use accounts are essential if users are to reap the full benefits of account ownership. The Global Findex database also sheds light on whether and how people use their accounts for payments.

## _Digital Payments_

Globally, 52 percent of adults (more than three‐quarters of account owners) reported having made or received at least one digital payment using their account the previous year. In high‐income economies, the share of account owners using their accounts for digital payments was 97 percent. In the euro area the share of adults who made or received digital payments increased from 87 percent in 2014 to 92 percent in 2017, and the share making digital payments increased from 92 percent to 97 percent. In developing ECA economies, the share of adults making or receiving digital payments rose from 46 percent to 60 percent between 2014 and 2017, suggesting that the share of account owners doing so increased from 80 percent to 92 percent.

ECA countries with significant growth in the use digital payments include Belarus, Bosnia and Herzegovina, Bulgaria, Croatia, Georgia, Kazakhstan, the Republic of North Macedonia, Montenegro, Russia, Turkey, and Ukraine (figure 6). Several countries witnessed an increase of more than 15 percentage points in the share of adults using digital payments during 2014–17. Uzbekistan, where fewer people used digital payments in 2017 than in 2014, seems to be an outlier (table 3).

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