The 2011 survey instrument is similar to the 2009 survey. However, a few important changes were made to cover a broader array of non-bank financial services, and to improve and streamline data collection. Most notably, the 2011 survey added non-bank remittances as AFS covered in the survey and revised questions related to the time- frames during which households used AFS. The revisions to the 2011 survey also streamlined the questions about the reasons households do not have a bank account. Finally, the 2011 survey collected information regarding the types of accounts held by each member of a house- hold. The changes in.
