Study title

The study on financial inclusion was conducted by Ipsos on behalf of SCHUFA. During the survey period from March 2024, German-speaking people aged 16 to 74 living in private households in the Federal Republic of Germany were asked about various dimensions of financial inclusion in online interviews (CAWI). The survey covered the following topics in particular: Subjective user satisfaction, financial literacy, trust in financial services and accessibility of financial services. The respondents were selected using a quota sample from the Ipsos Online Access Panel (quota characteristics: age, sex, region, education).I. Financial participation: 1. Usage behavior and satisfaction with financial services: Regular use of various financial services (bank account, online payment methods, investments, savings, loans, financial advice or investment advice, other financial services); obstacles to using the aforementioned financial services (I am not familiar enough with the content, technical obstacles prevent use, financial situation does not allow use, I am concerned about the protection of my data, I do not know, I do not need); satisfaction with the financial services used regularly; bank type of the main account; banking channels used (online banking, mobile banking, telephone banking, stationary banking in bank branches, other forms of banking); barriers to the use of the aforementioned banking channels (do not know enough about the content, technical barriers prevent use, financial situation does not allow use, am concerned about the protection of my data, do not know, do not need); satisfaction with the banking channels used regularly; awareness of the monthly account management fees charged; amount of the monthly account management fees; satisfaction with the amount of the account management fees; overall satisfaction with the amount of fees charged for financial services; methods used for two-factor authentication (authentication app, smart card, SMS, email, TAN...