The Global Findex Database 2025: Connectivity and Financial Inclusion in the Digital Economy

South Africa, 2024

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Reference ID

ZAF_2024_FINDEX_v02_M

Producer(s)

Development Research Group, Finance and Private Sector Development Unit

Metadata

Documentation in PDF DDI/XML JSON

Study website

Created on

Jan 05, 2026

Last modified

Jan 05, 2026

Main reason for only using cash for in-store merchant payments (fin25e4)

Data file: Findex_Microdata_2025_updateSouth Africa

Overview

Valid: 361

Invalid: 639

Minimum: 1

Maximum: 7

Type: Discrete

Decimal: 0

Width: 56

Range: 1 - 7

Format: Numeric

Questions and instructions

Categories

Value	Category	Cases
1	Because the merchant(s) only accepts cash	25	6.9%
2	Because it's more expensive to pay using a card or phone	20	5.5%
3	Because you don't trust payments using a card or phone	25	6.9%
4	Because you're used to paying by cash	230	63.7%
5	Some other reason	41	11.4%
6	Don't know	14	3.9%
7	Refused	6	1.7%
Sysmiss		639

Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.

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