Country profile · Edition 1

🇳🇿New Zealand

Oceania

Score

77.7

Rank

7 of 46

Overview

New Zealand ranks 7th of 46 economies, with a score of 77.7 out of 100. It is 2nd of 2 ranked economies in Oceania.

Strongest: Consumer protection, Government support and Financial education (100). Weakest: Public awareness and Youth education (50).

Dimension scores

Credit literacy61.0

Credit access60.4

Financial inclusion91.5

Digital banking97.6

Innovation66.7

Consumer protection100.0

Government support100.0

Financial education100.0

Youth education50.0

Public awareness50.0

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

Not yet measured: Reporting transparency, Alternative infrastructure.

Survey indicators

61%61% of adults answered at least 3 of 4 financial concepts correctly (S&P Global FinLit, 2014)

81.3%81% of credit card users pay their balance in full (Findex, 2021)

60.4%60% of adults borrowed from a formal institution or via mobile money in the past year (Findex, 2021)

97.9%98% of adults have an account (Findex, 2024)

85%85% could raise emergency funds within 30 days without great difficulty (Findex, 2021)

97.6%98% of adults made or received a digital payment (Findex, 2021)

Youth education policy: partial

Financial education is in the school curriculum only in some regions, or as an optional or pilot subject. There is no standalone course or graduation requirement. The national financial education strategy names young people or schools as a priority.

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