BAKU, Azerbaijan, January 7. Georgia has made notable progress in fintech-driven financial inclusion, although access to finance remains a key constraint for businesses.
Data obtained by Trend from the Asian Development Bank's (ADB) December 2025 report "Unlocking the Potential of Fintech in Central Asia" show that 70% of Georgia’s population aged 15 and above has an account at a financial institution. Meanwhile, 62% of adults have made or received a digital payment, while 46% own a debit or credit card.
ADB data indicate that mobile money adoption remains limited, with only 8% of adults holding a mobile money account. Use of financial accounts for wage payments also remains relatively low, with 20% of adults receiving wages through a financial institution account. Utility payments made using an account stood at 28%.
On the business side, 35% of firms in Georgia use banks for investment capital, while 32% rely on banks for working capital. However, access to finance continues to pose challenges, with 60% of micro, small, and medium-sized enterprises (MSMEs) reporting a financial gap, and 20% of firms identifying finance as a major constraint.