We Built an Economy.
It Needs You.
1.27 billion people aged 15 to 24. The largest youth cohort in human history. Locked out of the financial system by design.
Gen Z Impact at a Glance
Gen Z population (15-24)
Largest youth cohort in history
Average youth unbanked
No account, no credit, no access
Global youth unemployment
Three times the adult rate
Countries analyzed
Every nation scored by need and readiness
You already know the economy is broken. You do not need another think piece explaining it to you.
of Gen Z would rather bank with a tech company than a traditional bank.
Youth unemployment globally. In MENA, it exceeds 30%.
countries where more than 65% of young people have no financial account.
If You Are Here
Five countries. Five realities. The same question: what happens when a generation gets real financial infrastructure for the first time?
Nigeria
Moderate Opportunity47.9 million young people. GDP per capita: $1,084.
If you are in Nigeria, your first GX grant is worth 23 times what your government spends on you per year. That is not charity. That is capital formation for a generation the banking system chose to ignore.
Philippines
Strong Opportunity22 million youth. 44.9% unbanked. 117 mobile subs per 100.
If you are in the Philippines, you have a phone. You probably have two. What you do not have is a bank account that works for you. The infrastructure is there. The financial system is not.
Lebanon
Strong Opportunity94% youth unbanked. A collapsed banking system.
If you are in Lebanon, your bank already took your money. The traditional system did not fail you by accident. It failed you by design. You are not starting from zero; you are starting from betrayal.
Egypt
Strong Opportunity20.5 million youth. 67.5% unbanked. 17.3% unemployment.
If you are in Egypt, the numbers tell a simple story: two out of three young people have no financial account, and one in six cannot find work. A generation locked out of both earning and saving.
Bangladesh
Moderate Opportunity33 million youth. 61.3% unbanked. GDP per capita: $2,688.
If you are in Bangladesh, your first GX grant is worth 9.7 times your GDP per capita. Mobile adoption is high and financial inclusion is low. The phones exist. The accounts do not. This is not a technology problem. It is a permissions problem.
Top 20 by Gen Z Impact Index
The Gen Z Impact Index combines a Need Score (50% weight) and a Readiness Score (50% weight) to rank every country by where the protocol can reach and serve the most young people.
Full Gen Z Dataset
205 countries and territories scored across youth demographics, financial exclusion, and digital readiness. Click any country for full details.
| # | Country | Youth (M) | Score | Tier |
|---|---|---|---|---|
| 1 | Libya | 1.3 | 74.5 | Tier 1 |
| 2 | Palestine | 1.0 | 65.4 | Tier 2 |
| 3 | Iraq | 9.0 | 64.4 | Tier 2 |
| 4 | Morocco | 6.1 | 64.2 | Tier 2 |
| 5 | Djibouti | 0.2 | 63.6 | Tier 2 |
| 6 | Eswatini | 0.3 | 63.5 | Tier 2 |
| 7 | Jordan | 2.1 | 63.5 | Tier 2 |
| 8 | Timor-Leste | 0.3 | 63.3 | Tier 2 |
| 9 | Tunisia | 1.7 | 63.3 | Tier 2 |
| 10 | Botswana | 0.5 | 62.3 | Tier 2 |
| 11 | Algeria | 6.6 | 61.7 | Tier 2 |
| 12 | Uzbekistan | 5.3 | 61.6 | Tier 2 |
| 13 | Lebanon | 1.0 | 61.4 | Tier 2 |
| 14 | Philippines | 22.0 | 61.2 | Tier 2 |
| 15 | Sudan | 10.2 | 61.2 | Tier 2 |
| 16 | Suriname | 0.1 | 61.0 | Tier 2 |
| 17 | Yemen, Rep. | 7.8 | 61.0 | Tier 2 |
| 18 | Rwanda | 3.0 | 59.5 | Tier 2 |
| 19 | Syrian Arab Republic | 5.8 | 59.0 | Tier 2 |
| 20 | Montenegro | 0.1 | 58.7 | Tier 2 |
| 21 | Zimbabwe | 3.5 | 58.5 | Tier 2 |
| 22 | Egypt, Arab Rep. | 20.5 | 58.3 | Tier 2 |
| 23 | Paraguay | 1.2 | 58.3 | Tier 2 |
| 24 | South Africa | 10.5 | 58.2 | Tier 2 |
| 25 | Tajikistan | 1.8 | 57.7 | Tier 2 |
| 26 | Peru | 5.7 | 57.4 | Tier 2 |
| 27 | Sao Tome and Principe | 0.1 | 57.4 | Tier 2 |
| 28 | Senegal | 3.8 | 57.3 | Tier 2 |
| 29 | Sierra Leone | 1.8 | 57.3 | Tier 2 |
| 30 | El Salvador | 1.2 | 57.1 | Tier 2 |
How the Gen Z Index Is Calculated
Two composite scores, eight data-driven indicators, equal weight. Built to identify where young people need the protocol most and where they can actually use it.
Need Score (50% weight)
Measures the urgency of financial inclusion for young people: joblessness, banking access gaps, and the relative impact each protocol unit can deliver.
- Youth unemployment15%
- Youth unbanked15%
- Grant impact multiple10%
- Youth population share10%
Readiness Score (50% weight)
Measures the practical capacity of young people to adopt a digital monetary system: connectivity, device access, economic baseline, and population reach.
- Mobile penetration15%
- Internet access15%
- GDP per capita10%
- Population scale10%
Tier Classification
Tier 1
70+
Prime Target
1 country
Tier 2
56-69.9
Strong Opportunity
34 countries
Tier 3
42-55.9
Moderate Opportunity
113 countries
Tier 4
28-41.9
Emerging Opportunity
45 countries
Tier 5
Below 28
Long-Term
12 countries