Unique data on the mechanics of account use across economies show that here too there are sharp differences between high-income and developing economies—in the frequency of deposits and withdrawals, in the way that people access their ac- counts, and in the payment systems they use. In developing economies 10 percent of adults with a formal account report making no deposits or withdrawals in a typical month; in high-income economies only 2 percent report this. Most ac- count holders in developing economies make deposits and withdrawals primarily through tellers at bank branches; their counterparts in high-income economies rely more heavily on automated teller.
