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
Ethiopia
2,023
urban
male
60
55+
middle
secondary
unemployed
9.8
0.3
1
salary_account
Commercial Bank of Ethiopia
1
0
474.57
none
0
0
1
low_burden
Mozambique
2,023
rural
female
26
25-34
highest
primary
student
0.5
2.1
0
none
none
0
0
0
cost
0
0
0
low_burden
Zambia
2,020
urban
male
73
55+
highest
primary
employed_informal
2.1
3.2
1
salary_account
Absa
0
17
0
none
0
0
1
low_burden
Niger
2,019
rural
female
42
35-44
fourth
none
self_employed
16.1
4.2
0
none
none
0
0
0
no_need
0
0
0
low_burden
Malawi
2,020
rural
male
68
55+
highest
none
employed_formal
8.6
8
1
savings
FDH Bank
0
23
0
none
0
0
0
low_burden
Ghana
2,024
rural
male
41
35-44
lowest
primary
unemployed
0.2
19.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Mali
2,025
urban
male
41
35-44
fourth
secondary
employed_informal
2.5
1.4
1
savings
Ecobank
3
0
795.62
none
0
1
0
low_burden
South Africa
2,025
urban
male
52
45-54
highest
tertiary
unemployed
1.2
1.4
1
savings
Absa
3
0
1,923.44
none
0
1
0
low_burden
Ghana
2,019
rural
female
28
25-34
lowest
none
employed_formal
25.5
3.3
0
none
none
0
0
0
documentation
0
0
0
low_burden
Mali
2,022
urban
female
52
45-54
lowest
none
unemployed
2
0.1
0
none
none
0
0
0
no_need
0
0
0
low_burden
Ghana
2,019
rural
male
74
55+
fourth
none
employed_informal
5.4
8.8
1
savings
GCB
0
24
0
none
1
1
0
low_burden
Niger
2,023
urban
female
54
45-54
middle
secondary
unemployed
0.3
2.9
0
none
none
0
0
0
distance
0
0
0
low_burden
Mali
2,021
rural
female
21
18-24
lowest
primary
employed_informal
37
15.2
0
none
none
0
0
0
trust
0
0
0
low_burden
Malawi
2,023
urban
female
57
55+
second
primary
unemployed
1.4
0.4
0
none
none
0
0
0
documentation
0
0
0
low_burden
Mali
2,023
rural
male
19
18-24
second
tertiary
employed_formal
15.3
2.5
1
savings
Coris Bank
1
0
210.89
none
0
1
0
low_burden
Tanzania
2,025
urban
male
23
18-24
second
tertiary
self_employed
0.6
1.1
1
savings
Absa
0
6
0
none
0
0
0
low_burden
Uganda
2,021
rural
female
34
25-34
highest
secondary
unemployed
10.6
17.8
0
none
none
0
0
0
distance
0
0
0
low_burden
Uganda
2,020
urban
female
35
25-34
middle
none
employed_informal
0.3
0.3
0
none
none
0
0
0
no_need
0
0
0
low_burden
Malawi
2,022
rural
male
18
18-24
fourth
primary
employed_informal
2.6
3.2
0
none
none
0
0
0
no_need
0
0
0
low_burden
Mozambique
2,019
rural
female
18
18-24
lowest
primary
employed_informal
4
0.1
0
none
none
0
0
0
documentation
0
0
0
low_burden
Uganda
2,018
urban
male
62
55+
second
secondary
employed_informal
0.6
0.3
0
none
none
0
0
0
religious
0
0
0
low_burden
Malawi
2,022
urban
female
43
35-44
second
secondary
self_employed
0
0.1
1
fixed_deposit
Standard Bank
0
11
0
none
0
1
0
low_burden
Niger
2,024
urban
male
29
25-34
highest
none
employed_formal
1.3
0.1
1
savings
BAK
1
0
3,978.24
none
0
0
0
low_burden
Ghana
2,022
urban
female
42
35-44
highest
tertiary
employed_formal
1.9
0.7
1
savings
Stanbic
1
0
5,181.41
none
0
1
1
low_burden
Niger
2,024
urban
male
57
55+
second
primary
employed_informal
0.8
3.4
0
none
none
0
0
0
documentation
0
0
0
low_burden
Tanzania
2,019
rural
male
59
55+
highest
secondary
employed_informal
14.9
8.2
1
current
NBC
2
0
1,085.5
none
0
1
1
low_burden
DRC
2,021
rural
female
34
25-34
lowest
none
employed_informal
13.5
4.3
0
none
none
0
0
0
no_need
0
0
0
low_burden
Senegal
2,022
urban
male
27
25-34
second
primary
unemployed
4.2
1
0
none
none
0
0
0
religious
0
0
0
low_burden
Senegal
2,020
rural
female
72
55+
fourth
none
employed_formal
45.5
27.6
0
none
none
0
0
0
documentation
0
0
0
low_burden
Nigeria
2,018
urban
female
53
45-54
second
secondary
student
4.2
0.4
1
savings
Access Bank
4
0
131.58
none
0
1
1
low_burden
Malawi
2,018
rural
male
74
55+
highest
none
unemployed
19.5
6.4
0
none
none
0
0
0
distance
0
0
0
low_burden
DRC
2,025
urban
male
35
25-34
lowest
primary
employed_informal
3.3
0.4
1
salary_account
Equity BCDC
0
15
0
none
1
1
0
low_burden
Kenya
2,022
rural
female
24
18-24
fourth
secondary
unemployed
24.6
5.4
0
none
none
0
0
0
cost
0
0
0
low_burden
Mali
2,020
rural
female
39
35-44
lowest
secondary
self_employed
3.7
5
0
none
none
0
0
0
no_need
0
0
0
low_burden
Zambia
2,020
urban
female
36
35-44
lowest
secondary
self_employed
3.8
3.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Niger
2,018
urban
male
58
55+
second
secondary
employed_informal
0.9
1.1
1
savings
Orabank
1
0
114.25
none
0
0
1
low_burden
Rwanda
2,025
urban
female
58
55+
highest
secondary
self_employed
0.3
1.8
1
savings
Ecobank
2
0
2,295.21
none
0
0
0
low_burden
Malawi
2,018
rural
female
22
18-24
middle
secondary
employed_formal
7.4
3
0
none
none
0
0
0
cost
0
0
0
low_burden
Tanzania
2,024
rural
female
51
45-54
middle
primary
self_employed
1.9
15.3
0
none
none
0
0
0
documentation
0
0
0
low_burden
Rwanda
2,019
rural
male
37
35-44
lowest
none
employed_formal
0.1
11.2
0
none
none
0
0
0
religious
0
0
0
low_burden
Nigeria
2,020
rural
male
53
45-54
lowest
primary
self_employed
1.2
0.4
1
savings
First Bank
1
0
294.38
none
0
0
1
low_burden
Senegal
2,020
rural
female
40
35-44
lowest
none
self_employed
11.4
21.1
0
none
none
0
0
0
trust
0
0
0
low_burden
Uganda
2,024
rural
female
48
45-54
fourth
primary
employed_informal
7.4
1.9
0
none
none
0
0
0
cost
0
0
0
low_burden
Rwanda
2,018
rural
male
58
55+
lowest
primary
employed_informal
3.5
2.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Rwanda
2,020
rural
female
34
25-34
second
none
unemployed
36
24.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Uganda
2,020
urban
male
29
25-34
middle
secondary
employed_informal
0.1
5.6
1
savings
Equity Bank
0
22
0
none
0
1
0
low_burden
Mali
2,020
rural
male
58
55+
middle
secondary
employed_formal
37
3.4
0
none
none
0
0
0
distance
0
0
0
low_burden
Malawi
2,019
urban
male
72
55+
second
secondary
employed_informal
2
1.3
0
none
none
0
0
0
other
0
0
0
low_burden
Mali
2,025
urban
male
43
35-44
lowest
tertiary
student
2.1
1.9
0
none
none
0
0
0
no_need
0
0
0
low_burden
Kenya
2,021
rural
male
74
55+
second
primary
unemployed
0.7
2.1
0
none
none
0
0
0
distance
0
0
0
low_burden
Nigeria
2,021
urban
male
28
25-34
fourth
primary
self_employed
2.1
1.2
1
savings
Access Bank
0
8
0
none
0
1
0
low_burden
Zambia
2,021
urban
male
64
55+
lowest
primary
unemployed
1.9
2.1
0
none
none
0
0
0
documentation
0
0
0
low_burden
Nigeria
2,025
urban
female
74
55+
fourth
secondary
self_employed
5.3
1.8
1
salary_account
Access Bank
2
0
1,143.61
none
1
0
1
low_burden
Tanzania
2,020
rural
female
35
25-34
lowest
primary
unemployed
4.1
2.1
0
none
none
0
0
0
documentation
0
0
0
low_burden
Rwanda
2,020
rural
female
26
25-34
highest
tertiary
self_employed
8.5
10.1
1
fixed_deposit
Bank of Kigali
0
19
0
none
0
0
1
low_burden
Nigeria
2,020
urban
male
55
45-54
highest
primary
unemployed
9.4
2.4
1
salary_account
GTBank
0
21
0
none
1
0
0
low_burden
Niger
2,020
urban
female
67
55+
lowest
primary
self_employed
1.8
0.5
0
none
none
0
0
0
no_need
0
0
0
low_burden
Uganda
2,018
rural
male
22
18-24
second
secondary
employed_informal
45.1
34.1
0
none
none
0
0
0
trust
0
0
0
low_burden
Nigeria
2,022
rural
female
54
45-54
second
primary
employed_formal
8.7
0.9
1
current
Access Bank
2
0
498.07
none
0
0
0
low_burden
Senegal
2,018
urban
female
67
55+
fourth
secondary
employed_formal
2.3
0
1
savings
CBAO
1
0
523.17
none
0
1
0
low_burden
Mali
2,019
rural
male
19
18-24
middle
secondary
self_employed
8.7
12.2
0
none
none
0
0
0
cost
0
0
0
low_burden
Nigeria
2,019
rural
male
47
45-54
middle
secondary
student
1.2
1.8
1
salary_account
Access Bank
3
0
101.75
none
0
0
1
low_burden
Tanzania
2,020
urban
female
22
18-24
lowest
secondary
unemployed
3.8
1.2
0
none
none
0
0
0
cost
0
0
0
low_burden
Mozambique
2,024
rural
female
28
25-34
lowest
primary
unemployed
1.3
0.2
0
none
none
0
0
0
distance
0
0
0
low_burden
South Africa
2,022
rural
female
45
35-44
fourth
primary
self_employed
17
4.2
0
none
none
0
0
0
distance
0
0
0
low_burden
Senegal
2,025
rural
female
36
35-44
middle
secondary
student
62.8
11.4
1
current
BHS
1
0
335.89
none
1
0
0
low_burden
Malawi
2,020
rural
female
22
18-24
fourth
primary
unemployed
6
1.2
0
none
none
0
0
0
other
0
0
0
low_burden
Ethiopia
2,025
rural
male
63
55+
fourth
primary
employed_informal
2.6
6.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Rwanda
2,018
rural
female
29
25-34
middle
none
self_employed
13.6
20.2
0
none
none
0
0
0
no_need
0
0
0
low_burden
Senegal
2,022
rural
male
67
55+
middle
secondary
employed_informal
37.3
10.4
0
none
none
0
0
0
no_need
0
0
0
low_burden
Tanzania
2,024
rural
female
28
25-34
highest
none
employed_informal
6.5
22.3
0
none
none
0
0
0
documentation
0
0
0
low_burden
Kenya
2,022
rural
male
47
45-54
fourth
tertiary
employed_informal
36.3
0.4
0
none
none
0
0
0
cost
0
0
0
low_burden
Nigeria
2,025
rural
female
59
55+
highest
none
employed_informal
0.8
19.3
0
none
none
0
0
0
cost
0
0
0
low_burden
South Africa
2,020
rural
female
45
35-44
highest
primary
employed_informal
77
5.9
1
savings
Standard Bank
0
5
0
none
0
1
0
low_burden
Malawi
2,018
urban
male
41
35-44
second
primary
employed_informal
1.4
2.5
1
current
FDH Bank
0
8
0
none
0
1
0
low_burden
Zambia
2,024
urban
male
60
55+
fourth
primary
student
0.5
0.4
1
current
Absa
3
0
3,095.49
none
0
1
0
low_burden
Zambia
2,018
urban
male
18
18-24
fourth
primary
employed_informal
0.6
1.8
1
current
Absa
0
11
0
none
0
1
1
low_burden
Mali
2,024
rural
female
65
55+
lowest
secondary
unemployed
6.2
1.8
0
none
none
0
0
0
trust
0
0
0
low_burden
Kenya
2,023
urban
female
57
55+
middle
none
employed_formal
7.8
2.1
1
fixed_deposit
Cooperative Bank
1
0
617.97
none
0
1
0
low_burden
Uganda
2,024
rural
male
61
55+
second
primary
student
20.4
6.7
0
none
none
0
0
0
cost
0
0
0
low_burden
Tanzania
2,021
urban
male
41
35-44
second
none
unemployed
3.5
3.5
1
salary_account
Absa
1
0
470.71
none
0
0
1
low_burden
Zambia
2,025
urban
female
39
35-44
lowest
primary
student
3.4
0
1
current
First National Bank
4
0
379.33
none
0
1
1
low_burden
Niger
2,019
rural
male
50
45-54
fourth
tertiary
self_employed
7.7
4.9
1
salary_account
BAK
4
0
420.96
none
0
0
0
low_burden
Zambia
2,021
urban
female
54
45-54
fourth
primary
self_employed
0.2
3.3
1
current
Absa
2
0
985.74
none
0
0
1
low_burden
Malawi
2,018
rural
male
70
55+
middle
secondary
employed_informal
4.5
6.4
0
none
none
0
0
0
no_need
0
0
0
low_burden
South Africa
2,024
urban
male
66
55+
lowest
primary
self_employed
0.3
0
1
savings
Absa
0
21
0
none
0
1
0
low_burden
Nigeria
2,023
rural
male
21
18-24
middle
primary
unemployed
48.2
5.5
0
none
none
0
0
0
religious
0
0
0
low_burden
Senegal
2,024
urban
female
26
25-34
lowest
secondary
employed_formal
0.7
1.8
1
current
Société Générale
0
23
0
none
0
0
0
low_burden
Senegal
2,024
rural
male
71
55+
second
none
employed_formal
49.3
10.6
0
none
none
0
0
0
no_need
0
0
0
low_burden
Zambia
2,020
rural
male
40
35-44
second
tertiary
unemployed
1
1.8
0
none
none
0
0
0
religious
0
0
0
low_burden
DRC
2,018
urban
female
51
45-54
highest
primary
employed_formal
1.6
0.5
1
current
FBNBank
0
4
0
none
1
1
0
low_burden
Tanzania
2,025
urban
female
21
18-24
second
primary
unemployed
4
1.5
0
none
none
0
0
0
cost
0
0
0
low_burden
South Africa
2,021
urban
male
23
18-24
middle
tertiary
employed_informal
0.3
0.2
1
savings
Nedbank
0
5
0
none
0
1
1
low_burden
Tanzania
2,018
rural
male
41
35-44
highest
primary
employed_informal
4.8
6.9
1
current
NBC
4
0
2,500.81
none
0
0
1
low_burden
Senegal
2,025
rural
female
58
55+
second
tertiary
employed_informal
0.4
2.9
1
savings
CBAO
2
0
158.95
none
0
1
0
low_burden
Zambia
2,025
urban
male
62
55+
highest
tertiary
self_employed
0.9
2.8
1
savings
Zanaco
0
10
0
none
0
1
0
low_burden
DRC
2,021
rural
female
68
55+
lowest
primary
unemployed
32
0.1
0
none
none
0
0
0
religious
0
0
0
low_burden
Malawi
2,024
rural
male
29
25-34
second
primary
unemployed
13.9
0.4
0
none
none
0
0
0
distance
0
0
0
low_burden
Tanzania
2,018
rural
male
29
25-34
lowest
secondary
employed_informal
2.8
0.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Kenya
2,018
rural
male
48
45-54
middle
primary
employed_informal
4
4.4
0
none
none
0
0
0
cost
0
0
0
low_burden