Access to Finance Barometer


The MFC is developing and testing its new “Access to Finance Barometer” as part of a large-scale project funded by European Commission.

As part of our multi-component project funded by European Commission, MFC is developing and testing its “Access to Finance Barometer”, designed to provide insights into country-level access to finance issues and priorities across 10 EU countries.

The purpose of the AF Barometer is to assess the level of financial inclusion and conditions of access to finance in EU member states to identify gaps leading to the exclusion of certain groups of the population. While EU financial inclusion levels are general high, certain minority groups have limited access to quality financial services, such as a basic bank accounts, microcredit, etc.

The research will focus on identifying weaknesses in the supply of financial products/services, limitations in the abilities to use the full potential of financial services offered.


The Barometer is based on the MFC’s “Access to Finance Scorecard”, which has been used in Belarus, Turkey and currently in Poland. The Barometer will look at financial inclusion from two perspectives – usage of financial products/services as well as the conditions of access.

  • Usage – share of the population and different socio-economic groups using different types of financial services, including accounts and payments, deposit and investment, credit and insurance products
  • Access to financial services – the conditions conducive to access, grouped into the supply-side, demand-side and policy-side considerations

Research methodology

The research will utilize two methods and will be conducted in two phases:

  • Secondary data review will utilize international statistics to ensure comparability of the results between the EU states to seek the gaps in financial inclusion.
  • Primary research will concentrate on gathering contextual information to better understand the drivers of financial exclusion and priorities in addressing identified limitations. This part of research will be carried out using a modified Delphi method, in which a series of expert interviews is carried out to gather views on the priorities in addressing financial inclusion gaps.


Results of the assessment of the level of financial inclusion and access conditions are summarized in two policy papers: