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Marco A Espinosa-Vega, Ms. Kazuko Shirono, Mr. Hector Carcel Villanova, Miss Esha Chhabra, Ms. Bidisha Das, and Ms. Yingjie Fan

-branch retail agent outlets), and mobile money (registered and active mobile money agent outlets). All are intended to measure access points to financial services via various modes. Larger values in these indicators suggest a higher degree of financial access. FAS indicators for usage of financial services cover a wide spectrum—from different types of financial service providers (FSPs), instruments, and users— to gender disaggregation. FAS usage indicators for commercial banks contain information on deposit and loan accounts, both for households and SMEs, including gender