Country profile · Edition 1

🇩🇰Denmark

Europe

Score

74.9

Rank

13 of 46

Overview

Denmark ranks 13th of 46 economies, with a score of 74.9 out of 100. It is 6th of 14 ranked economies in Europe.

Strongest: Digital banking, Innovation, Consumer protection and Government support (100). Weakest: Financial education (0); Youth education (33).

Dimension scores

Credit literacy71.0

Credit access53.2

Financial inclusion93.9

Digital banking100.0

Innovation100.0

Consumer protection100.0

Government support100.0

Financial education0.0

Youth education33.3

Public awareness75.0

Dimensions with no score are left out of the overall score, never counted as zero.

Not yet measured: Reporting transparency, Alternative infrastructure.

Survey indicators

71%71% of adults answered at least 3 of 4 financial concepts correctly (S&P Global FinLit, 2014)

93.4%93% of credit card users pay their balance in full (Findex, 2021)

53.2%53% of adults borrowed from a formal institution or via mobile money in the past year (Findex, 2021)

98.7%99% of adults have an account (Findex, 2024)

89.1%89% could raise emergency funds within 30 days without great difficulty (Findex, 2021)

100%100% of adults made or received a digital payment (Findex, 2021)

52115-year-olds scored 521 on PISA 2022 financial literacy (OECD average 498)

Youth education policy: nationwide

Financial education is part of the mandatory school curriculum nationwide. There is no standalone course or graduation requirement. Young people are not a priority in a current national strategy.

Policy dimensions record whether a policy exists, not how well it works.