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
DRC
2,018
urban
male
39
35-44
lowest
primary
unemployed
1.4
3.6
0
none
none
0
0
0
documentation
0
0
0
low_burden
Nigeria
2,025
rural
male
46
45-54
lowest
secondary
employed_formal
55.3
4.7
1
savings
UBA
1
0
263.9
none
0
0
0
low_burden
DRC
2,019
rural
female
51
45-54
highest
none
student
12.9
1.4
0
none
none
0
0
0
no_need
0
0
0
low_burden
Kenya
2,018
urban
female
25
18-24
highest
primary
self_employed
1
0.2
1
savings
Stanbic
1
0
1,559.31
none
0
0
1
low_burden
Mali
2,018
rural
female
30
25-34
highest
primary
employed_informal
5.4
5.6
0
none
none
0
0
0
no_need
0
0
0
low_burden
Mali
2,021
urban
male
23
18-24
second
secondary
unemployed
0.5
0.3
0
none
none
0
0
0
no_need
0
0
0
low_burden
Mali
2,018
rural
male
29
25-34
fourth
none
self_employed
16.4
0.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Rwanda
2,024
rural
female
43
35-44
lowest
primary
employed_formal
13.7
17.4
1
savings
Bank of Kigali
0
19
0
none
1
1
0
low_burden
Zambia
2,022
rural
female
71
55+
second
secondary
unemployed
62.1
12.6
0
none
none
0
0
0
distance
0
0
0
low_burden
Niger
2,020
rural
female
70
55+
fourth
secondary
unemployed
0.8
1.2
0
none
none
0
0
0
cost
0
0
0
low_burden
Tanzania
2,018
urban
male
61
55+
highest
secondary
self_employed
7.1
3.9
1
savings
CRDB
0
3
0
none
0
0
1
low_burden
Mali
2,021
rural
male
49
45-54
second
tertiary
unemployed
0.9
37.8
0
none
none
0
0
0
distance
0
0
0
low_burden
Senegal
2,019
rural
female
29
25-34
middle
secondary
employed_formal
4.8
10.1
1
current
BHS
0
9
0
none
0
0
0
low_burden
Malawi
2,025
rural
female
38
35-44
lowest
primary
employed_informal
10.5
2
0
none
none
0
0
0
distance
0
0
0
low_burden
Zambia
2,020
rural
male
61
55+
second
primary
self_employed
11.8
12.8
0
none
none
0
0
0
documentation
0
0
0
low_burden
Senegal
2,021
urban
female
69
55+
lowest
none
employed_informal
3.1
4
0
none
none
0
0
0
cost
0
0
0
low_burden
Kenya
2,018
rural
female
72
55+
highest
primary
self_employed
8.6
3.4
1
current
KCB
0
5
0
none
1
1
0
low_burden
Nigeria
2,019
rural
male
40
35-44
lowest
none
student
1.8
2.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Ghana
2,019
urban
male
45
35-44
fourth
primary
unemployed
2.5
1.4
1
savings
GCB
3
0
560.43
none
0
1
0
low_burden
Uganda
2,018
rural
female
47
45-54
second
secondary
self_employed
9.3
0.8
0
none
none
0
0
0
documentation
0
0
0
low_burden
Malawi
2,023
rural
male
21
18-24
middle
secondary
self_employed
19.1
0.1
0
none
none
0
0
0
cost
0
0
0
low_burden
Niger
2,025
rural
female
24
18-24
second
primary
unemployed
19
44.4
0
none
none
0
0
0
cost
0
0
0
low_burden
Rwanda
2,025
rural
female
20
18-24
second
secondary
unemployed
6.2
25.1
0
none
none
0
0
0
no_need
0
0
0
low_burden
Zambia
2,020
urban
male
60
55+
middle
primary
employed_formal
0.3
0.2
1
salary_account
Absa
1
0
375.82
none
0
0
1
low_burden
DRC
2,024
rural
female
30
25-34
middle
secondary
self_employed
9.1
10.5
1
salary_account
FBNBank
1
0
439.25
none
0
0
0
low_burden
Senegal
2,022
urban
male
57
55+
highest
secondary
employed_informal
3
0.5
1
savings
Ecobank
0
14
0
none
0
0
1
low_burden
Uganda
2,018
rural
male
39
35-44
second
primary
employed_formal
14.1
4
0
none
none
0
0
0
cost
0
0
0
low_burden
Mali
2,018
rural
female
63
55+
middle
primary
employed_informal
7
33.2
0
none
none
0
0
0
cost
0
0
0
low_burden
Senegal
2,022
rural
female
24
18-24
highest
tertiary
self_employed
3.9
8.6
1
current
BHS
2
0
1,983.68
none
0
0
0
low_burden
Rwanda
2,021
rural
male
36
35-44
second
secondary
unemployed
1.2
0.4
0
none
none
0
0
0
no_need
0
0
0
low_burden
Senegal
2,018
rural
female
29
25-34
highest
secondary
student
3.9
2.2
0
none
none
0
0
0
no_need
0
0
0
low_burden
Senegal
2,025
rural
female
42
35-44
highest
none
employed_informal
2.9
17.8
1
savings
CBAO
4
0
2,078.98
none
0
1
0
low_burden
Uganda
2,023
rural
female
50
45-54
fourth
primary
employed_informal
10.1
0.4
0
none
none
0
0
0
documentation
0
0
0
low_burden
Senegal
2,022
rural
female
27
25-34
middle
primary
employed_informal
0.6
1.9
0
none
none
0
0
0
no_need
0
0
0
low_burden
Mali
2,025
rural
male
56
55+
fourth
tertiary
employed_informal
0.1
0.4
1
current
BDM
1
0
220.5
none
0
0
0
low_burden
Tanzania
2,025
urban
male
72
55+
middle
none
employed_formal
0
0.4
1
current
Stanbic
3
0
571.33
none
0
1
1
low_burden
Rwanda
2,025
rural
female
20
18-24
middle
primary
student
16.9
0.1
0
none
none
0
0
0
cost
0
0
0
low_burden
Kenya
2,020
rural
male
22
18-24
highest
tertiary
employed_formal
30.8
7.2
0
none
none
0
0
0
trust
0
0
0
low_burden
Ethiopia
2,025
rural
female
72
55+
second
primary
unemployed
4.7
3.5
0
none
none
0
0
0
no_need
0
0
0
low_burden
Malawi
2,022
rural
male
54
45-54
fourth
primary
employed_informal
4.2
14.2
1
savings
FDH Bank
4
0
617.06
none
0
0
1
low_burden
South Africa
2,023
urban
male
70
55+
middle
secondary
self_employed
1.1
1.5
1
savings
Capitec
2
0
222.2
none
0
0
0
low_burden
Ghana
2,024
rural
male
58
55+
lowest
primary
unemployed
10.7
11.3
0
none
none
0
0
0
distance
0
0
0
low_burden
Tanzania
2,019
urban
male
58
55+
middle
tertiary
student
1.5
0.5
1
current
Absa
2
0
371.09
none
0
0
0
low_burden
Malawi
2,021
urban
male
26
25-34
fourth
none
employed_informal
1
0.6
0
none
none
0
0
0
cost
0
0
0
low_burden
South Africa
2,019
rural
female
47
45-54
middle
secondary
student
10.1
20.5
0
none
none
0
0
0
distance
0
0
0
low_burden
DRC
2,020
urban
female
38
35-44
fourth
primary
employed_informal
1.6
1.7
1
savings
Rawbank
1
0
2,078.74
none
0
1
0
low_burden
Kenya
2,021
urban
male
65
55+
second
secondary
unemployed
3.7
0.5
1
current
Cooperative Bank
0
1
0
none
0
0
0
low_burden
Ghana
2,024
rural
male
20
18-24
highest
secondary
employed_formal
22.5
2.9
1
salary_account
Stanbic
2
0
3,170.06
none
0
0
0
low_burden
DRC
2,024
rural
female
19
18-24
middle
secondary
self_employed
28.2
6.4
0
none
none
0
0
0
religious
0
0
0
low_burden
Kenya
2,021
urban
male
49
45-54
fourth
tertiary
unemployed
8.2
1.8
1
savings
NCBA
4
0
891.03
none
1
0
0
low_burden
DRC
2,020
urban
female
73
55+
second
secondary
unemployed
0.2
1.4
0
none
none
0
0
0
no_need
0
0
0
low_burden
Tanzania
2,022
rural
female
74
55+
second
none
unemployed
25.2
0.9
0
none
none
0
0
0
documentation
0
0
0
low_burden
Mozambique
2,025
rural
female
51
45-54
highest
none
employed_informal
2
3.2
0
none
none
0
0
0
cost
0
0
0
low_burden
Tanzania
2,025
rural
female
42
35-44
lowest
primary
unemployed
2.7
4
0
none
none
0
0
0
trust
0
0
0
low_burden
Malawi
2,019
rural
female
33
25-34
second
primary
employed_informal
16.7
5.2
0
none
none
0
0
0
cost
0
0
0
low_burden
Rwanda
2,019
urban
female
74
55+
fourth
primary
employed_informal
6.1
0.3
0
none
none
0
0
0
cost
0
0
0
low_burden
Uganda
2,023
rural
female
28
25-34
fourth
secondary
employed_formal
13.4
23.3
1
savings
Equity Bank
2
0
402.19
none
0
0
0
low_burden
Senegal
2,020
urban
male
25
18-24
highest
secondary
employed_informal
1.4
2.6
0
none
none
0
0
0
cost
0
0
0
low_burden
Zambia
2,019
rural
male
46
45-54
fourth
tertiary
employed_formal
0.3
4.5
1
current
Absa
0
10
0
none
0
0
0
low_burden
Mali
2,018
urban
male
40
35-44
highest
primary
self_employed
2.7
2.8
1
current
Ecobank
0
13
0
none
0
0
1
low_burden
South Africa
2,021
rural
male
46
45-54
middle
secondary
employed_formal
5.8
6.4
1
savings
Standard Bank
1
0
168.49
none
0
1
0
low_burden
Rwanda
2,021
urban
female
69
55+
middle
secondary
self_employed
3.9
0.8
1
savings
Ecobank
4
0
235.37
none
1
1
0
low_burden
Malawi
2,022
rural
male
33
25-34
fourth
tertiary
employed_formal
16.2
4.7
1
current
FDH Bank
0
12
0
none
0
0
0
low_burden
Malawi
2,019
urban
male
67
55+
fourth
secondary
unemployed
5.7
1.5
0
none
none
0
0
0
documentation
0
0
0
low_burden
Malawi
2,023
rural
male
30
25-34
lowest
primary
employed_informal
24.5
1
0
none
none
0
0
0
documentation
0
0
0
low_burden
DRC
2,023
urban
female
36
35-44
second
none
employed_informal
0.8
0.7
0
none
none
0
0
0
religious
0
0
0
low_burden
Tanzania
2,021
urban
female
18
18-24
middle
tertiary
self_employed
2.2
1
0
none
none
0
0
0
cost
0
0
0
low_burden
Nigeria
2,019
urban
female
56
55+
fourth
secondary
student
3.4
1.3
0
none
none
0
0
0
documentation
0
0
0
low_burden
Ethiopia
2,022
rural
male
66
55+
middle
secondary
student
4.1
16
0
none
none
0
0
0
trust
0
0
0
low_burden
Kenya
2,023
rural
male
68
55+
fourth
secondary
employed_informal
2.7
0.6
1
savings
Equity Bank
1
0
832.45
none
0
1
0
low_burden
Uganda
2,020
rural
female
27
25-34
fourth
secondary
student
7.8
11.1
1
savings
Centenary
2
0
846.61
none
0
0
0
low_burden
Uganda
2,020
rural
female
61
55+
second
secondary
self_employed
5.3
4.5
0
none
none
0
0
0
distance
0
0
0
low_burden
Mali
2,022
rural
female
26
25-34
middle
tertiary
student
7
22.6
0
none
none
0
0
0
no_need
0
0
0
low_burden
Niger
2,020
urban
female
53
45-54
middle
tertiary
employed_formal
0.8
0.5
0
none
none
0
0
0
no_need
0
0
0
low_burden
Niger
2,021
rural
male
58
55+
lowest
primary
employed_formal
1.7
26.5
0
none
none
0
0
0
cost
0
0
0
low_burden
Malawi
2,020
rural
female
26
25-34
middle
none
employed_formal
2.5
8
1
savings
National Bank
0
20
0
none
0
0
0
low_burden
Niger
2,020
rural
female
24
18-24
middle
none
unemployed
3.9
19.8
0
none
none
0
0
0
no_need
0
0
0
low_burden
Nigeria
2,023
rural
female
22
18-24
fourth
primary
employed_formal
34.8
0.5
1
fixed_deposit
UBA
0
15
0
none
0
0
0
low_burden
Mozambique
2,021
rural
female
58
55+
second
secondary
employed_informal
6.5
2.3
1
fixed_deposit
Moza Banco
0
20
0
none
0
1
1
low_burden
Zambia
2,021
rural
male
53
45-54
lowest
secondary
self_employed
8.4
7.6
1
current
First National Bank
1
0
109.24
none
0
0
0
low_burden
South Africa
2,023
rural
male
24
18-24
middle
primary
student
46.9
9.4
1
fixed_deposit
Standard Bank
1
0
1,009.13
none
0
1
0
low_burden
Nigeria
2,020
urban
female
46
45-54
fourth
primary
self_employed
4.9
0.4
1
savings
Zenith Bank
0
13
0
none
0
0
1
low_burden
Zambia
2,018
rural
female
63
55+
middle
secondary
unemployed
10.3
0
0
none
none
0
0
0
no_need
0
0
0
low_burden
Niger
2,024
rural
male
31
25-34
second
secondary
employed_informal
32.2
1.8
0
none
none
0
0
0
documentation
0
0
0
low_burden
Zambia
2,018
rural
male
52
45-54
highest
secondary
student
30.3
21.5
1
current
First National Bank
1
0
2,257.92
none
0
1
0
low_burden
Malawi
2,022
rural
female
34
25-34
lowest
none
employed_formal
41.9
4.5
0
none
none
0
0
0
no_need
0
0
0
low_burden
Nigeria
2,020
urban
male
32
25-34
second
primary
employed_informal
4.3
0.7
1
current
Zenith Bank
2
0
40.19
none
1
0
1
low_burden
Ethiopia
2,019
urban
male
40
35-44
second
secondary
self_employed
0.6
2.5
0
none
none
0
0
0
distance
0
0
0
low_burden
Ghana
2,018
urban
female
38
35-44
fourth
secondary
employed_informal
8
5.2
1
current
Absa
2
0
899.6
none
0
0
0
low_burden
Tanzania
2,025
rural
female
46
45-54
fourth
secondary
self_employed
7.5
6.7
1
current
Absa
2
0
1,508.68
none
0
0
0
low_burden
Niger
2,021
urban
female
29
25-34
lowest
tertiary
self_employed
3.4
0.7
0
none
none
0
0
0
no_need
0
0
0
low_burden
Rwanda
2,020
rural
female
40
35-44
fourth
none
employed_informal
25.6
44.6
0
none
none
0
0
0
religious
0
0
0
low_burden
Rwanda
2,023
rural
male
53
45-54
fourth
primary
employed_formal
46
0.7
1
savings
Bank of Kigali
2
0
969.28
none
0
1
0
low_burden
Ethiopia
2,018
rural
female
40
35-44
highest
primary
employed_formal
13.9
2.5
1
savings
Dashen Bank
2
0
2,643.38
none
0
0
0
low_burden
South Africa
2,022
urban
female
55
45-54
highest
primary
employed_formal
2.6
0.9
1
current
Capitec
0
9
0
none
0
1
0
low_burden
Uganda
2,021
rural
female
24
18-24
fourth
primary
student
34.5
2.6
0
none
none
0
0
0
other
0
0
0
low_burden
Ethiopia
2,022
urban
female
25
18-24
lowest
none
self_employed
2.4
0.7
0
none
none
0
0
0
cost
0
0
0
low_burden
Uganda
2,018
rural
male
67
55+
second
none
employed_formal
0.5
11.4
0
none
none
0
0
0
religious
0
0
0
low_burden
Ethiopia
2,025
urban
male
44
35-44
highest
secondary
employed_formal
2.4
0.8
1
savings
Awash Bank
0
8
0
none
0
1
1
low_burden
South Africa
2,019
urban
male
52
45-54
middle
none
unemployed
8.6
2.2
1
savings
Capitec
2
0
404.98
none
0
1
1
low_burden