country
string
year
int64
urban_rural
string
gender
string
age
int64
age_group
string
income_quintile
string
education
string
employment_status
string
branch_access_km
float64
atm_access_km
float64
account_ownership
int64
account_type
string
bank_name
string
usage_frequency_monthly
int64
months_inactive
int64
account_balance_usd
float64
primary_barrier
string
has_overdraft
int64
has_debit_card
int64
has_online_banking
int64
scenario
string
Uganda
2,020
rural
female
70
55+
middle
none
self_employed
3.5
3.4
0
none
none
0
0
0
other
0
0
0
low_burden
Mali
2,024
urban
female
47
45-54
fourth
secondary
employed_informal
4.7
0.6
1
current
Ecobank
0
8
0
none
0
0
0
low_burden
Rwanda
2,018
rural
male
53
45-54
fourth
tertiary
employed_informal
23.3
7.5
1
fixed_deposit
Equity Bank
0
24
0
none
0
0
0
low_burden
Malawi
2,021
urban
male
38
35-44
lowest
primary
employed_formal
8.3
4
1
savings
Standard Bank
2
0
371.22
none
0
0
1
low_burden
Malawi
2,024
rural
female
68
55+
lowest
tertiary
self_employed
31.9
13.4
0
none
none
0
0
0
trust
0
0
0
low_burden
DRC
2,025
urban
female
22
18-24
fourth
secondary
self_employed
0.2
0.3
1
savings
Rawbank
3
0
656.25
none
0
1
1
low_burden
Uganda
2,020
rural
female
33
25-34
highest
tertiary
self_employed
1
7.7
1
current
Centenary
3
0
1,189.35
none
0
0
0
low_burden
Niger
2,023
urban
female
74
55+
highest
primary
student
1
0.7
1
savings
BAK
2
0
1,982.5
none
0
0
0
low_burden
Ghana
2,019
urban
female
45
35-44
highest
none
self_employed
5.5
0.6
1
fixed_deposit
GCB
2
0
565.92
none
0
1
0
low_burden
Uganda
2,018
rural
female
27
25-34
middle
none
unemployed
6.2
4.9
0
none
none
0
0
0
religious
0
0
0
low_burden
Zambia
2,020
urban
female
41
35-44
highest
secondary
self_employed
2.7
0.2
1
savings
Zanaco
3
0
1,141.92
none
0
1
0
low_burden
South Africa
2,025
urban
female
32
25-34
second
tertiary
self_employed
0.2
3
1
savings
Standard Bank
2
0
547.1
none
0
0
0
low_burden
Mali
2,023
rural
female
47
45-54
fourth
primary
self_employed
1.8
15
1
savings
BMCD
1
0
1,497.65
none
1
1
0
low_burden
Mali
2,021
urban
male
31
25-34
highest
none
employed_informal
12.3
4.4
0
none
none
0
0
0
trust
0
0
0
low_burden
Niger
2,020
rural
male
40
35-44
fourth
none
employed_informal
14.5
16.9
0
none
none
0
0
0
cost
0
0
0
low_burden
Mali
2,019
rural
male
69
55+
second
secondary
self_employed
0.3
14.9
0
none
none
0
0
0
documentation
0
0
0
low_burden
Zambia
2,020
urban
female
22
18-24
second
tertiary
employed_formal
0.6
1.1
0
none
none
0
0
0
cost
0
0
0
low_burden
Uganda
2,019
rural
female
61
55+
second
primary
employed_informal
33.2
18.7
0
none
none
0
0
0
distance
0
0
0
low_burden
DRC
2,019
urban
male
22
18-24
second
secondary
unemployed
2.8
0
0
none
none
0
0
0
cost
0
0
0
low_burden
Malawi
2,023
rural
female
44
35-44
fourth
secondary
self_employed
5
2.3
1
current
National Bank
4
0
614.09
none
0
0
0
low_burden
Zambia
2,019
urban
male
56
55+
fourth
tertiary
employed_formal
0.9
0.1
1
savings
Zanaco
4
0
2,965.52
none
0
1
1
low_burden
Ethiopia
2,018
urban
male
72
55+
lowest
secondary
employed_formal
1.1
0.6
1
savings
Commercial Bank of Ethiopia
2
0
424.37
none
1
0
0
low_burden
Nigeria
2,022
urban
female
32
25-34
fourth
primary
student
0
0.4
1
current
Access Bank
2
0
445.68
none
0
0
0
low_burden
Mozambique
2,020
rural
male
21
18-24
second
secondary
student
7.9
2.9
1
savings
Moza Banco
4
0
120.78
none
0
1
0
low_burden
Mali
2,021
rural
male
60
55+
middle
secondary
self_employed
29.8
0.9
0
none
none
0
0
0
no_need
0
0
0
low_burden
Rwanda
2,019
rural
female
68
55+
second
tertiary
employed_informal
2.1
22.5
0
none
none
0
0
0
cost
0
0
0
low_burden
Malawi
2,019
rural
male
50
45-54
middle
secondary
employed_informal
5.9
0.2
0
none
none
0
0
0
cost
0
0
0
low_burden
DRC
2,021
rural
female
21
18-24
fourth
none
employed_informal
19.9
4.3
0
none
none
0
0
0
distance
0
0
0
low_burden
Senegal
2,023
rural
female
46
45-54
fourth
secondary
unemployed
20.7
1.1
0
none
none
0
0
0
documentation
0
0
0
low_burden
Malawi
2,021
rural
female
40
35-44
fourth
secondary
self_employed
17.8
9.9
0
none
none
0
0
0
cost
0
0
0
low_burden
Malawi
2,022
rural
female
43
35-44
second
primary
unemployed
93.7
10.8
0
none
none
0
0
0
other
0
0
0
low_burden
Ghana
2,022
urban
male
21
18-24
fourth
tertiary
employed_informal
0.4
1.6
1
savings
Absa
2
0
1,326.45
none
0
1
0
low_burden
Uganda
2,020
rural
female
36
35-44
lowest
primary
unemployed
0.9
0.4
0
none
none
0
0
0
cost
0
0
0
low_burden
Senegal
2,020
rural
male
74
55+
middle
tertiary
employed_informal
1.9
14.3
1
savings
CBAO
0
4
0
none
1
1
0
low_burden
Mozambique
2,021
urban
male
20
18-24
middle
primary
employed_informal
1.3
0.4
0
none
none
0
0
0
religious
0
0
0
low_burden
Kenya
2,018
urban
female
70
55+
fourth
none
self_employed
0.2
2.9
0
none
none
0
0
0
religious
0
0
0
low_burden
DRC
2,023
urban
male
47
45-54
highest
secondary
self_employed
3.9
0.2
1
savings
Equity BCDC
4
0
1,158.12
none
0
0
0
low_burden
DRC
2,022
rural
female
51
45-54
second
secondary
unemployed
0.9
0.5
0
none
none
0
0
0
cost
0
0
0
low_burden
Tanzania
2,020
urban
male
71
55+
fourth
tertiary
self_employed
1.1
1
1
savings
NMB
2
0
494.02
none
1
1
0
low_burden
Rwanda
2,020
rural
female
30
25-34
second
secondary
student
19.5
5.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Nigeria
2,020
rural
male
74
55+
middle
none
employed_informal
11.6
5.6
0
none
none
0
0
0
distance
0
0
0
low_burden
Mali
2,023
rural
male
33
25-34
fourth
tertiary
employed_informal
28.1
5.6
1
savings
BDM
2
0
985.27
none
0
0
0
low_burden
Niger
2,024
urban
female
37
35-44
fourth
secondary
employed_informal
2.9
0.1
0
none
none
0
0
0
no_need
0
0
0
low_burden
Ethiopia
2,018
rural
male
43
35-44
highest
primary
employed_formal
26.5
0.7
1
savings
Awash Bank
1
0
2,951.63
none
0
0
0
low_burden
Uganda
2,021
rural
female
52
45-54
fourth
tertiary
unemployed
8.7
11.9
0
none
none
0
0
0
religious
0
0
0
low_burden
South Africa
2,018
urban
male
36
35-44
second
none
employed_formal
0.2
1.3
1
salary_account
FNB
0
23
0
none
0
1
0
low_burden
Malawi
2,021
urban
female
63
55+
highest
none
employed_informal
5.8
0.7
0
none
none
0
0
0
documentation
0
0
0
low_burden
Mozambique
2,019
urban
female
19
18-24
highest
secondary
employed_informal
1.7
2
1
savings
Millennium BIM
1
0
3,128
none
1
1
0
low_burden
Niger
2,020
urban
female
55
45-54
second
secondary
unemployed
4.9
0.4
0
none
none
0
0
0
cost
0
0
0
low_burden
Mali
2,021
rural
female
55
45-54
lowest
secondary
student
3
15.9
0
none
none
0
0
0
distance
0
0
0
low_burden
Mali
2,020
rural
male
48
45-54
second
tertiary
unemployed
11.1
3.5
0
none
none
0
0
0
distance
0
0
0
low_burden
Nigeria
2,021
rural
female
52
45-54
fourth
primary
employed_informal
7.5
7.8
0
none
none
0
0
0
documentation
0
0
0
low_burden
Ethiopia
2,024
rural
female
60
55+
highest
tertiary
self_employed
15.1
8
1
fixed_deposit
Dashen Bank
1
0
1,734.99
none
1
1
0
low_burden
Zambia
2,024
rural
female
69
55+
fourth
none
employed_informal
39.9
7
0
none
none
0
0
0
trust
0
0
0
low_burden
Zambia
2,018
rural
female
30
25-34
second
none
student
8.1
4.5
0
none
none
0
0
0
other
0
0
0
low_burden
Kenya
2,021
rural
female
45
35-44
lowest
primary
employed_formal
16.4
3.6
0
none
none
0
0
0
no_need
0
0
0
low_burden
Senegal
2,024
urban
female
50
45-54
middle
none
student
1.8
2
0
none
none
0
0
0
trust
0
0
0
low_burden
Nigeria
2,022
rural
male
37
35-44
second
primary
unemployed
3.7
10.1
0
none
none
0
0
0
other
0
0
0
low_burden
Mali
2,019
urban
female
73
55+
lowest
tertiary
unemployed
3.7
1.1
0
none
none
0
0
0
documentation
0
0
0
low_burden
Niger
2,022
rural
female
47
45-54
lowest
secondary
unemployed
35.4
2.7
0
none
none
0
0
0
cost
0
0
0
low_burden
Mozambique
2,019
rural
female
51
45-54
lowest
secondary
employed_informal
104.1
23.8
0
none
none
0
0
0
documentation
0
0
0
low_burden
Mali
2,018
rural
male
29
25-34
lowest
none
employed_informal
31.3
1
0
none
none
0
0
0
trust
0
0
0
low_burden
Ethiopia
2,023
urban
female
41
35-44
fourth
tertiary
employed_informal
3
1.1
1
current
Commercial Bank of Ethiopia
1
0
131.56
none
0
1
0
low_burden
South Africa
2,022
rural
female
53
45-54
second
primary
employed_informal
0.1
2.6
0
none
none
0
0
0
no_need
0
0
0
low_burden
Malawi
2,024
urban
female
42
35-44
second
secondary
unemployed
1.6
0.9
0
none
none
0
0
0
no_need
0
0
0
low_burden
Tanzania
2,020
rural
male
61
55+
middle
secondary
self_employed
2.1
4.5
1
savings
CRDB
2
0
1,072.93
none
0
0
0
low_burden
Mozambique
2,024
urban
male
25
18-24
highest
none
unemployed
9.9
1
0
none
none
0
0
0
distance
0
0
0
low_burden
Ethiopia
2,021
rural
male
26
25-34
fourth
secondary
unemployed
19.3
5
0
none
none
0
0
0
documentation
0
0
0
low_burden
Uganda
2,023
rural
male
37
35-44
middle
tertiary
employed_informal
40.7
12.1
1
savings
Equity Bank
1
0
262.37
none
0
1
0
low_burden
Zambia
2,018
urban
female
36
35-44
fourth
primary
employed_informal
5.1
0.9
1
current
Absa
1
0
1,055.02
none
0
0
0
low_burden
Mali
2,018
urban
male
64
55+
fourth
secondary
employed_informal
1.1
0.2
0
none
none
0
0
0
cost
0
0
0
low_burden
Nigeria
2,024
rural
female
67
55+
fourth
tertiary
employed_formal
8.9
1.6
1
savings
First Bank
0
6
0
none
0
1
0
low_burden
Malawi
2,024
urban
male
44
35-44
middle
primary
unemployed
1.1
0.9
1
savings
National Bank
2
0
453.45
none
0
1
0
low_burden
Uganda
2,025
urban
male
46
45-54
middle
primary
unemployed
1.6
3.3
0
none
none
0
0
0
distance
0
0
0
low_burden
Niger
2,020
urban
female
34
25-34
second
primary
unemployed
0.7
0.1
0
none
none
0
0
0
trust
0
0
0
low_burden
Zambia
2,018
urban
female
48
45-54
second
secondary
self_employed
1.7
0.2
0
none
none
0
0
0
trust
0
0
0
low_burden
Tanzania
2,025
rural
male
58
55+
second
primary
unemployed
41
1.4
0
none
none
0
0
0
cost
0
0
0
low_burden
Ghana
2,022
rural
male
59
55+
second
primary
self_employed
13.4
6.7
0
none
none
0
0
0
documentation
0
0
0
low_burden
Senegal
2,019
urban
female
73
55+
second
primary
student
0.2
0.3
0
none
none
0
0
0
cost
0
0
0
low_burden
Niger
2,024
rural
female
50
45-54
middle
tertiary
unemployed
2
2.8
0
none
none
0
0
0
distance
0
0
0
low_burden
South Africa
2,025
urban
male
37
35-44
middle
tertiary
unemployed
2.1
6.5
1
savings
Standard Bank
2
0
3,010.47
none
0
1
0
low_burden
Malawi
2,020
urban
female
21
18-24
lowest
secondary
employed_formal
2.7
0.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Nigeria
2,024
rural
male
57
55+
second
tertiary
unemployed
37.7
1.6
0
none
none
0
0
0
no_need
0
0
0
low_burden
DRC
2,024
urban
female
63
55+
second
secondary
employed_informal
10
2.1
0
none
none
0
0
0
no_need
0
0
0
low_burden
Rwanda
2,022
rural
male
49
45-54
fourth
tertiary
employed_informal
19.8
19.5
1
savings
Ecobank
1
0
4,276.65
none
0
0
0
low_burden
Niger
2,023
rural
female
70
55+
second
none
self_employed
12.8
11.2
0
none
none
0
0
0
religious
0
0
0
low_burden
Uganda
2,020
rural
female
36
35-44
lowest
primary
employed_informal
0.3
6.5
0
none
none
0
0
0
cost
0
0
0
low_burden
Tanzania
2,025
rural
male
21
18-24
lowest
tertiary
employed_formal
0.3
7.9
1
savings
Stanbic
0
22
0
none
0
0
1
low_burden
Mali
2,025
urban
male
54
45-54
middle
primary
employed_informal
9.6
3.3
1
savings
BMCD
0
12
0
none
0
1
1
low_burden
DRC
2,025
urban
male
24
18-24
lowest
primary
unemployed
0.7
1.2
0
none
none
0
0
0
documentation
0
0
0
low_burden
Malawi
2,023
urban
male
22
18-24
middle
secondary
self_employed
1.9
1.3
1
savings
FDH Bank
2
0
346.2
none
0
0
0
low_burden
DRC
2,018
rural
male
58
55+
middle
secondary
student
0.6
1.1
0
none
none
0
0
0
cost
0
0
0
low_burden
DRC
2,020
rural
male
42
35-44
highest
primary
unemployed
2.7
12.4
0
none
none
0
0
0
cost
0
0
0
low_burden
Ethiopia
2,021
urban
female
52
45-54
middle
primary
employed_informal
2.2
0.3
1
savings
Dashen Bank
2
0
170.53
none
0
1
0
low_burden
Mozambique
2,025
urban
male
60
55+
lowest
primary
unemployed
5.4
0.5
1
current
Moza Banco
2
0
66.78
none
0
1
1
low_burden
Tanzania
2,022
urban
female
39
35-44
second
none
self_employed
5
3.5
1
savings
Stanbic
3
0
416.49
none
0
1
0
low_burden
Ghana
2,022
rural
male
52
45-54
fourth
primary
employed_informal
25.5
4
1
current
Absa
2
0
535.29
none
1
1
0
low_burden
Niger
2,019
rural
female
48
45-54
second
secondary
student
5.4
29.8
0
none
none
0
0
0
documentation
0
0
0
low_burden
Rwanda
2,024
rural
male
51
45-54
highest
secondary
student
4.5
9.5
1
current
Bank of Kigali
1
0
682.46
none
0
0
1
low_burden
Nigeria
2,020
rural
female
58
55+
middle
primary
employed_formal
10.8
5.9
1
savings
UBA
1
0
328.87
none
0
1
0
low_burden