{"data":{"id":"10.4232/1.14759","type":"dois","attributes":{"doi":"10.4232/1.14759","prefix":"10.4232","suffix":"1.14759","identifiers":[{"identifier":"ZA9088","identifierType":"ZA-No."}],"alternateIdentifiers":[{"alternateIdentifierType":"ZA-No.","alternateIdentifier":"ZA9088"}],"creators":[{"name":"Kenning, Peter","nameType":"Personal","givenName":"Peter","familyName":"Kenning","affiliation":["Heinrich-Heine-Universität Düsseldorf"],"nameIdentifiers":[]},{"name":"Kolesky, Katarzyna","nameType":"Personal","givenName":"Katarzyna","familyName":"Kolesky","affiliation":["SCHUFA Holding AG, Wiesbaden"],"nameIdentifiers":[]}],"titles":[{"lang":"de","title":"Finanz-Inklusions-Index 2025 (Online-Befragung)"},{"lang":"en","title":"Financial Inclusion Index 2025 (Online Survey)"}],"publisher":"GESIS","container":{},"publicationYear":2026,"subjects":[{"lang":"de","subject":"Einkommen, Vermögen und Geldanlagen/Sparen","subjectScheme":"CESSDA Topic Classification"},{"lang":"de","subject":"Konsum und Konsumverhalten","subjectScheme":"CESSDA Topic Classification"},{"lang":"de","subject":"Wirtschaftliche Lage und Indikatoren","subjectScheme":"CESSDA Topic Classification"},{"lang":"en","subject":"Income, property and investment/saving","subjectScheme":"CESSDA Topic Classification"},{"lang":"en","subject":"Consumption and consumer behaviour","subjectScheme":"CESSDA Topic Classification"},{"lang":"en","subject":"Economic conditions and indicators","subjectScheme":"CESSDA Topic Classification"}],"contributors":[{"name":"Ipsos, Hamburg","nameType":"Organizational","contributorType":"DataCollector","affiliation":[],"nameIdentifiers":[]}],"dates":[{"date":"2025-03/2025-03","dateType":"Collected"},{"date":"2026","dateType":"Issued"}],"language":"de","types":{"ris":"DATA","bibtex":"misc","citeproc":"dataset","schemaOrg":"Dataset","resourceTypeGeneral":"Dataset"},"relatedIdentifiers":[],"relatedItems":[],"sizes":[],"formats":[],"version":"1.0.0","rightsList":[{"lang":"de","rights":"Alle im GESIS DBK veröffentlichten Metadaten sind frei verfügbar unter den Creative Commons CC0 1.0 Universal Public Domain Dedication. GESIS bittet jedoch darum, dass Sie alle Metadatenquellen anerkennen und sie nennen, etwa die Datengeber oder jeglichen Aggregator, inklusive GESIS selbst. Für weitere Informationen siehe https://dbk.gesis.org/dbksearch/guidelines.asp?db=d"},{"lang":"en","rights":"All metadata from GESIS DBK are available free of restriction under the Creative Commons CC0 1.0 Universal Public Domain Dedication. However, GESIS requests that you actively acknowledge and give attribution to all metadata sources, such as the data providers and any data aggregators, including GESIS. For further information see https://dbk.gesis.org/dbksearch/guidelines.asp"}],"descriptions":[{"lang":"de","description":"Die Studie zur finanziellen Teilhabe wurde von Ipsos im Auftrag der SCHUFA durchgeführt. Im Erhebungszeitraum März 2025 wurden deutschsprachige Personen im Alter von 16 bis 74 Jahren, die in Privathaushalten in der Bundesrepublik Deutschland leben, in Onlineinterviews (CAWI) zu verschiedenen Dimensionen der finanziellen Teilhabe befragt. Das Themenspektrum der Umfrage umfasste insbesondere folgende Komplexe: Subjektive Nutzungszufriedenheit, Finanzkompetenz, Vertrauen in Finanzdienstleistungen und Barrierefreiheit von Finanzdienstleistungen. Die Auswahl der Befragten erfolgte durch eine Quotenstichprobe aus dem Ipsos Online-Access-Panel (Quotenmerkmale: Alter, Geschlecht, Region, Bildung).","descriptionType":"Abstract"},{"lang":"en","description":"The study on financial inclusion was conducted by Ipsos on behalf of SCHUFA. During the survey period from March 2025, 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).","descriptionType":"Abstract"}],"geoLocations":[{"geoLocationPlace":"Germany"}],"fundingReferences":[],"xml":"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