Indicators that measure access to financial services include:

Indicators that measure access to financial services include:

1. Account ownership: This measures the percentage of individuals who have a financial account, such as a bank account, mobile money account, or e-wallet.

2. Account usage: This measures the frequency and intensity of usage of financial accounts, such as the number of transactions made, the amount of money deposited or withdrawn, and the balance held in the account.

3. Branch density: This measures the number of bank branches per 100,000 adults in a given area. This indicator helps to assess the availability of physical access points for financial services.

4. ATM density: This measures the number of automated teller machines (ATMs) per 100,000 adults in a given area. This indicator helps to assess the availability of cash withdrawal services.

5. Mobile phone usage: This measures the percentage of individuals who own and use a mobile phone, which can be a channel for accessing financial services such as mobile money.

6. Internet usage: This measures the percentage of individuals who have access to the internet, which can be a channel for accessing financial services such as online banking or e-wallets.

These indicators can help policymakers and financial service providers to identify gaps in access to financial services and design targeted interventions to increase financial inclusion.