{
  "slug": "cn-fintech",
  "name": "China Fintech & Payments",
  "updated": "2026-09-11",
  "page": "https://godofstartups.com/atlas/markets/cn-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Individuals using the Internet (% of population)",
      "value": "92",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/IT.NET.USER.ZS?locations=CN"
    },
    {
      "metric": "Chinese adults who made a digital online merchant payment for an online purchase",
      "value": "69.15",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin27a?locations=CN"
    },
    {
      "metric": "Chinese poorest-40% adults with a financial or mobile-money account",
      "value": "82.7",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/FX.OWN.TOTL.40.ZS?locations=CN"
    },
    {
      "metric": "Adults who applied for a loan using a mobile phone",
      "value": "19.87",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin20?locations=CN"
    },
    {
      "metric": "Adults unable to come up with emergency funds within 30 days",
      "value": "4.9",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org"
    },
    {
      "metric": "Adults with an account at a bank or mobile-money provider, China",
      "value": "89.38",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org"
    },
    {
      "metric": "Chinese adults without a financial or mobile-money account (financially excluded)",
      "value": "10.6",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS?locations=CN"
    },
    {
      "metric": "Adults who received a loan using a mobile phone, China",
      "value": "15.83",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org"
    },
    {
      "metric": "Adults unable to come up with emergency funds within 30 days, China",
      "value": "4.90",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org"
    },
    {
      "metric": "China adults who borrowed from a formal bank or similar financial institution",
      "value": "40.74",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin22a?locations=CN"
    },
    {
      "metric": "China adults who applied for a loan using a mobile phone",
      "value": "19.86",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin20?locations=CN"
    },
    {
      "metric": "China adults who received a loan using a mobile phone",
      "value": "15.83",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin21?locations=CN"
    },
    {
      "metric": "China adults who borrowed from a formal financial institution",
      "value": "40.74",
      "unit": "percent of adults age 15+",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin22a?locations=CN"
    },
    {
      "metric": "China adults who borrowed from family or friends",
      "value": "23.59",
      "unit": "percent of adults age 15+",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin22b?locations=CN"
    },
    {
      "metric": "China adults who made a digital online merchant payment for an online purchase",
      "value": "69.15",
      "unit": "percent of adults age 15+",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin27a?locations=CN"
    },
    {
      "metric": "Adults who applied for a loan using a mobile phone, China",
      "value": "19.87",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org"
    },
    {
      "metric": "Chinese adults who borrowed any money in the past year",
      "value": "53.96",
      "unit": "percent age 15+",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator?tab=all&locations=CN"
    },
    {
      "metric": "Chinese adults owning a debit card",
      "value": "81.07",
      "unit": "percent age 15+",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/FX.OWN.TOTL.ZS?locations=CN"
    },
    {
      "metric": "Adults who saved at a bank or similar financial institution",
      "value": "66.52",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin17a?locations=CN"
    },
    {
      "metric": "Adults who borrowed from a formal bank or financial institution",
      "value": "40.75",
      "unit": "percent",
      "geo": "CN",
      "period": "2024",
      "tier": 1,
      "status": "ready",
      "url": "https://data.worldbank.org/indicator/fin22a?locations=CN"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}