6 Financial inclusion 6.1 Bank account and debit/credit card ownership The results of our 2016 survey suggest that four percent of respondents had personal bank accounts, and that a third of those with bank accounts had debit/ credit cards. This is an increase from 2015 when less than three percent had bank accounts. Furthermore, the urban population had a higher percentage of bank accounts than rural population (Figure 68). 10 8.2 8 6 3.6 4 2 2 1.3 0 % houses with bank accounts, 2015 Urban Rural Total 6.5% 0.9% 2.5% Have their own bank account Have their own debit/credit card Figure 68: Population with their own bank account/s and debit/credit card/s (% of population aged 15-65) 78 ICTs in Myanmar: 2016 1.2 0.7