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 |
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