The World Bank has published the 2015 rankings in its Country Policy and Institutional Assessment (CPIA) report for Africa. Revised annually, the CPIA score evaluates, on a scale of 1 to 6, the capacity of a country's policies and institutions to support sustainable growth and poverty reduction. The World Bank uses this tool to determine the conditions for and amounts of assistance to be provided to countries. The indicator makes it possible to monitor progress and setbacks in national institutions, in the Bank's view. On average, the 2015 CPIA ratings of the 17 West African countries (including Chad and Mauritania) show no major change compared to 2014. Though showing little dynamism, regional performances remain above those recorded elsewhere, with only three countries – Chad, Guinea-Bissau and Liberia – scoring lower than the average for sub-Saharan Africa. With Cape Verde and Senegal, West Africa is home to the second and third best scores in the continental ranking, after Rwanda. Among the countries whose ratings have changed, Ghana is one that recorded the strongest improvement (+0.2 points), due to its improved monetary policy and public financial management. The Gambia, where economic management deteriorated, registered the largest net decline (-0.2). In general, West African countries have made the most progress in the area of business creation and in the financial sector, in particular due to the spread of mobile payments.