Country Spotlight
Digital Finance and Credit Literacy: A Complex Relationship
How digital financial services are simultaneously expanding credit access and creating new literacy challenges across Asia-Pacific economies.
Jun 22, 2026Read
A Publication by Investara Research
Edition 1Annual Publication
The Global Credit Literacy Index
An independent annual research publication measuring credit literacy across nations to inform policy, education, financial institutions, and consumer outcomes.
From data to greater opportunity.
Global Rankings
Compare countries and regions
Sourced Data
822 policy facts, one source each
Policy & Education
Youth policy and accountability findings
Country Profiles
50 one-page profiles
The Index at a Glance
A global measure for a stronger future.
The Global Credit Literacy Index assesses how well each economy equips its people to use credit well — combining survey outcomes with a country-by-country review of the policy, education and consumer protection frameworks behind them.
About the Index50
Economies analyzed
8 regions
10
Scored dimensions
4 outcome, 6 policy
822
Sourced policy facts
Multiple data sources and indicators
Edition 1
Annual publication
Consistent methodology over time
Explore the global rankings
See how countries compare.
| # | Country | TGCLI Score | Region |
|---|---|---|---|
| 01 | 🇨🇦Canada | 86.1 | North America |
| 02 | 🇦🇺Australia | 81.2 | Oceania |
| 03 | 🇬🇧United Kingdom | 80.4 | Europe |
| 04 | 🇪🇸Spain | 80.0 | Europe |
| 05 | 🇮🇪Ireland | 78.9 | Europe |
| 06 | 🇫🇷France | 78.1 | Europe |
| 07 | 🇳🇿New Zealand | 77.7 | Oceania |
| 08 | 🇮🇱Israel | 77.6 | Middle East |
| 09 | 🇮🇹Italy | 77.2 | Europe |
| 10 | 🇺🇸United States | 76.8 | North America |
Explore the Full RankingsTop 10 ranked economies
Provisional economies (P) are shown but not ranked. Hover a row to locate the economy on the map.
Hover a country to see its score and rank.
TGCLI Score
- 80+
- 70–79
- 60–69
- 50–59
- Under 50
Explore the key components of the Index.
Rankings
See how countries compare across the 10 scored dimensions.
Methodology
Learn how the Index is built, weighted and verified.
Glossary
Understand the key terms and definitions behind the Index.
Research
Read analysis on global credit literacy and policy.
News & Insights
Stay informed with the latest updates from the programme.
Key findings · Edition 1
A comprehensive assessment of global credit literacy
86.1
Highest score: Canada
46
Economies ranked of 50 scored
0 of 50
Have a financial consumer protection authority
42%
Average share of adults who passed a basic financial literacy test (S&P Global FinLit, 2014)
0 of 50
Make financial education mandatory in schools nationwide
0.02
Correlation between policy and outcome scores: having the policies does not predict the outcomes
Featured Publication
The Global Credit Literacy Index (TGCLI), Edition 1
73 PagesFull report
Credit literacy, access and the policies behind them across 50 economies.