1 “... an account and the efficiency of the account application process. The data show a recent increase in account...”

2 “...Financial inclusion-defined here as the use of formal accounts-can bring many welfare benefits...”

3 “... risk. The 2014 edition of the database reveals that 62 percent of adults worldwide have an account at a...”

4 “.... In the euro area, most adults already own an account. Account ownership-which is the first step of entry...”

5 “..., and manage risk. The data show that 50 percent of adults worldwide have an account at a formal financial...”

6 “... (Global Findex) database, highlight the existence of significant gender gaps in ownership of accounts...”

7 “... services, savings accounts, loans, and insurance-can contribute to inclusive growth and economic...”

8 “...-Muslims to own a formal account or save at a formal financial institution after controlling for other...”

9 “... for old age is more common among older adults, more educated adults, and adults who own accounts. Adults...”