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
Senegal
2,019
rural
female
31
25-34
highest
primary
employed_informal
7.9
10
1
current
CBAO
1
0
1,974.01
none
0
0
0
moderate_burden
Ethiopia
2,024
rural
female
18
18-24
middle
tertiary
student
7.6
8.7
0
none
none
0
0
0
religious
0
0
0
moderate_burden
South Africa
2,023
rural
female
56
55+
middle
secondary
self_employed
2.3
1.4
1
current
FNB
0
14
0
none
1
0
0
moderate_burden
DRC
2,021
rural
male
18
18-24
highest
none
self_employed
45.4
1.4
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Ethiopia
2,018
rural
male
25
18-24
second
secondary
self_employed
14.9
4.4
0
none
none
0
0
0
distance
0
0
0
moderate_burden
South Africa
2,021
rural
male
28
25-34
lowest
secondary
self_employed
0.3
1.3
1
savings
Nedbank
2
0
97.22
none
0
0
0
moderate_burden
Niger
2,022
urban
female
27
25-34
middle
primary
employed_informal
0.2
0.4
0
none
none
0
0
0
documentation
0
0
0
moderate_burden
Kenya
2,025
rural
female
64
55+
highest
none
student
1
1
1
current
Stanbic
0
13
0
none
0
1
0
moderate_burden
Zambia
2,023
rural
female
65
55+
fourth
secondary
employed_formal
0.3
4
1
savings
Zanaco
1
0
297.78
none
0
0
0
moderate_burden
Nigeria
2,024
urban
male
57
55+
highest
tertiary
self_employed
4.1
3.8
1
savings
GTBank
2
0
3,893.53
none
0
1
1
moderate_burden
Malawi
2,022
rural
male
47
45-54
lowest
none
unemployed
9.8
0.9
0
none
none
0
0
0
trust
0
0
0
moderate_burden
Kenya
2,024
rural
male
21
18-24
lowest
tertiary
unemployed
1.4
3
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Ethiopia
2,020
rural
male
65
55+
middle
tertiary
self_employed
13.9
3.4
0
none
none
0
0
0
trust
0
0
0
moderate_burden
Mozambique
2,020
rural
female
52
45-54
fourth
primary
employed_formal
7.7
8.9
1
current
BCI
2
0
1,174.89
none
0
1
0
moderate_burden
Rwanda
2,023
rural
female
62
55+
highest
primary
self_employed
11.1
1.9
0
none
none
0
0
0
trust
0
0
0
moderate_burden
DRC
2,018
rural
male
34
25-34
middle
none
employed_informal
20.2
0.6
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Tanzania
2,025
rural
male
38
35-44
middle
primary
self_employed
45.9
1
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Rwanda
2,022
rural
female
67
55+
highest
secondary
employed_informal
6.6
2.9
1
salary_account
Bank of Kigali
2
0
1,565.19
none
0
0
0
moderate_burden
Malawi
2,023
rural
male
63
55+
highest
none
employed_informal
18.4
2.9
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Mozambique
2,018
urban
female
52
45-54
second
secondary
employed_formal
3.8
0.4
1
fixed_deposit
BCI
4
0
475.81
none
0
1
1
moderate_burden
Zambia
2,018
urban
male
55
45-54
fourth
tertiary
self_employed
6.4
2.6
1
current
Absa
0
7
0
none
0
0
0
moderate_burden
Ethiopia
2,018
rural
female
25
18-24
fourth
secondary
employed_informal
2.4
1.5
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Mali
2,022
rural
female
31
25-34
highest
primary
self_employed
0.9
1.2
1
savings
BMCD
1
0
1,088.16
none
0
0
0
moderate_burden
Mali
2,025
urban
female
39
35-44
fourth
none
employed_formal
11.8
0.3
1
salary_account
Ecobank
3
0
1,084.36
none
0
0
0
moderate_burden
Ghana
2,018
rural
male
34
25-34
second
primary
employed_informal
24.2
5.4
1
savings
Absa
3
0
625.95
none
0
0
0
moderate_burden
Zambia
2,025
rural
female
21
18-24
middle
tertiary
student
4.4
0.2
1
savings
Stanbic
1
0
589.49
none
0
0
0
moderate_burden
Nigeria
2,023
rural
male
29
25-34
lowest
primary
employed_informal
1.9
15.8
0
none
none
0
0
0
documentation
0
0
0
moderate_burden
Malawi
2,018
urban
female
59
55+
fourth
secondary
unemployed
5.9
1.5
1
current
Standard Bank
3
0
2,135.96
none
0
0
0
moderate_burden
Malawi
2,025
urban
male
26
25-34
lowest
primary
employed_informal
0.4
0
0
none
none
0
0
0
distance
0
0
0
moderate_burden
Zambia
2,018
rural
female
23
18-24
middle
primary
employed_informal
0.6
2.2
0
none
none
0
0
0
distance
0
0
0
moderate_burden
Rwanda
2,023
rural
male
62
55+
second
primary
unemployed
0.2
6.1
1
salary_account
Equity Bank
2
0
2,228
none
0
1
1
moderate_burden
Senegal
2,022
rural
female
50
45-54
lowest
secondary
self_employed
8.9
6.6
1
savings
CBAO
0
6
0
none
0
0
0
moderate_burden
DRC
2,025
rural
female
59
55+
middle
none
unemployed
1.2
2
0
none
none
0
0
0
other
0
0
0
moderate_burden
Nigeria
2,019
rural
male
51
45-54
fourth
none
employed_formal
8.5
2.2
1
fixed_deposit
Access Bank
0
21
0
none
0
1
0
moderate_burden
Tanzania
2,023
rural
female
69
55+
lowest
secondary
employed_informal
3.1
0.7
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Uganda
2,024
rural
female
20
18-24
second
primary
employed_formal
6.7
15.4
1
savings
KCB
2
0
721.31
none
0
0
0
moderate_burden
Senegal
2,021
urban
female
43
35-44
highest
secondary
employed_informal
5.1
2.9
1
savings
BHS
1
0
727.91
none
0
0
1
moderate_burden
Ghana
2,022
rural
male
59
55+
second
none
unemployed
1.6
10.4
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Ghana
2,025
rural
female
62
55+
middle
primary
self_employed
9.9
0.8
1
savings
Stanbic
0
17
0
none
0
1
1
moderate_burden
DRC
2,019
rural
female
38
35-44
fourth
none
unemployed
15.8
20.2
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Malawi
2,021
urban
male
24
18-24
highest
tertiary
student
6.6
4.5
1
savings
FDH Bank
2
0
1,175.76
none
1
0
0
moderate_burden
Niger
2,021
rural
female
50
45-54
highest
tertiary
employed_informal
13.8
5.7
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Niger
2,025
rural
female
41
35-44
second
secondary
student
22
21.4
0
none
none
0
0
0
distance
0
0
0
moderate_burden
Malawi
2,024
rural
female
50
45-54
fourth
none
self_employed
4.1
38.5
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Nigeria
2,024
rural
male
42
35-44
lowest
secondary
unemployed
5.5
3.6
0
none
none
0
0
0
documentation
0
0
0
moderate_burden
Senegal
2,024
rural
female
53
45-54
middle
none
self_employed
13.4
14.1
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Rwanda
2,019
rural
female
36
35-44
lowest
secondary
employed_formal
0.2
0.8
1
current
I&M Bank
2
0
635.11
none
0
0
0
moderate_burden
Malawi
2,021
urban
female
47
45-54
second
primary
student
0.3
1.5
0
none
none
0
0
0
trust
0
0
0
moderate_burden
Malawi
2,018
urban
male
29
25-34
middle
primary
unemployed
5
4.5
0
none
none
0
0
0
documentation
0
0
0
moderate_burden
Nigeria
2,024
urban
female
29
25-34
middle
none
self_employed
4.4
1.6
1
savings
Zenith Bank
2
0
228.42
none
0
0
0
moderate_burden
Niger
2,018
rural
female
38
35-44
lowest
secondary
employed_formal
5
5.3
0
none
none
0
0
0
trust
0
0
0
moderate_burden
Nigeria
2,023
urban
male
48
45-54
fourth
tertiary
employed_informal
2
0.2
1
savings
Access Bank
0
15
0
none
0
1
0
moderate_burden
Nigeria
2,018
rural
male
25
18-24
lowest
secondary
student
0.9
9.9
1
savings
First Bank
1
0
394.96
none
0
1
0
moderate_burden
Rwanda
2,018
urban
male
64
55+
highest
primary
employed_informal
0.1
4
1
savings
I&M Bank
3
0
1,136.36
none
1
1
0
moderate_burden
Kenya
2,023
rural
female
49
45-54
middle
none
employed_informal
15.2
6.4
0
none
none
0
0
0
trust
0
0
0
moderate_burden
Ethiopia
2,024
urban
female
53
45-54
second
tertiary
self_employed
2.2
0.8
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Ethiopia
2,022
rural
male
41
35-44
fourth
none
unemployed
3.1
5
0
none
none
0
0
0
distance
0
0
0
moderate_burden
Mozambique
2,024
rural
female
27
25-34
lowest
primary
self_employed
16.3
4.3
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Ghana
2,022
urban
male
21
18-24
second
primary
unemployed
10.9
2.1
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Rwanda
2,022
rural
male
35
25-34
highest
primary
self_employed
11.8
18.8
1
savings
I&M Bank
3
0
1,000.09
none
0
0
0
moderate_burden
Zambia
2,022
rural
male
51
45-54
lowest
none
self_employed
20.2
0.3
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Mali
2,023
rural
female
56
55+
fourth
none
unemployed
8.9
1.4
0
none
none
0
0
0
documentation
0
0
0
moderate_burden
Niger
2,021
urban
male
47
45-54
highest
secondary
self_employed
0.6
0.1
1
current
Orabank
1
0
1,224.57
none
0
1
1
moderate_burden
Mozambique
2,023
urban
female
51
45-54
middle
none
unemployed
2.2
1
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Malawi
2,023
urban
male
64
55+
second
primary
unemployed
0.9
2.9
0
none
none
0
0
0
documentation
0
0
0
moderate_burden
Nigeria
2,020
urban
female
30
25-34
lowest
primary
employed_informal
1.1
0.7
1
savings
GTBank
4
0
118.54
none
0
0
0
moderate_burden
Ethiopia
2,024
rural
female
56
55+
lowest
primary
employed_informal
4.3
19.7
0
none
none
0
0
0
documentation
0
0
0
moderate_burden
Uganda
2,018
rural
female
31
25-34
second
secondary
employed_informal
16.1
1.9
0
none
none
0
0
0
distance
0
0
0
moderate_burden
Tanzania
2,020
urban
female
38
35-44
fourth
none
self_employed
0.3
4.8
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Rwanda
2,024
urban
female
67
55+
second
primary
employed_informal
5.2
0.5
0
none
none
0
0
0
trust
0
0
0
moderate_burden
Senegal
2,025
urban
female
73
55+
lowest
primary
self_employed
4.6
0.5
0
none
none
0
0
0
documentation
0
0
0
moderate_burden
DRC
2,020
urban
female
55
45-54
fourth
none
employed_informal
0.3
3.1
0
none
none
0
0
0
religious
0
0
0
moderate_burden
Nigeria
2,019
rural
female
30
25-34
second
secondary
self_employed
42.3
3
0
none
none
0
0
0
documentation
0
0
0
moderate_burden
DRC
2,024
rural
female
50
45-54
middle
tertiary
employed_informal
2.6
18.9
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Niger
2,024
rural
male
23
18-24
fourth
secondary
self_employed
9.8
1.4
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Niger
2,020
urban
male
55
45-54
fourth
secondary
student
3.3
1
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Mozambique
2,018
urban
female
43
35-44
highest
none
employed_formal
3
2.2
1
current
Standard Bank
0
11
0
none
0
1
1
moderate_burden
Ghana
2,025
rural
male
68
55+
lowest
secondary
self_employed
12.4
4.2
1
savings
Absa
2
0
180.14
none
1
0
0
moderate_burden
Uganda
2,023
urban
female
66
55+
fourth
primary
self_employed
3.9
0.3
0
none
none
0
0
0
distance
0
0
0
moderate_burden
Senegal
2,019
urban
female
26
25-34
second
secondary
unemployed
0.9
3
0
none
none
0
0
0
documentation
0
0
0
moderate_burden
Senegal
2,018
urban
female
73
55+
lowest
secondary
employed_informal
3.4
0
0
none
none
0
0
0
trust
0
0
0
moderate_burden
Mali
2,023
rural
female
74
55+
middle
tertiary
employed_informal
13.3
2.2
0
none
none
0
0
0
cost
0
0
0
moderate_burden
Ethiopia
2,019
urban
female
25
18-24
middle
secondary
unemployed
2.7
0.1
1
current
Awash Bank
2
0
286.75
none
0
0
0
moderate_burden
Kenya
2,018
rural
male
52
45-54
middle
none
employed_informal
14.6
8.3
0
none
none
0
0
0
distance
0
0
0
moderate_burden
Tanzania
2,019
urban
female
68
55+
lowest
primary
employed_formal
0.2
0.9
0
none
none
0
0
0
other
0
0
0
moderate_burden
Niger
2,018
urban
female
63
55+
lowest
secondary
employed_informal
5.3
2
0
none
none
0
0
0
distance
0
0
0
moderate_burden
Ghana
2,018
urban
male
68
55+
second
primary
employed_informal
3.3
0.2
1
fixed_deposit
GCB
1
0
127.12
none
0
0
0
moderate_burden
Ethiopia
2,018
rural
female
58
55+
middle
primary
employed_informal
0.1
5
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Malawi
2,022
rural
male
67
55+
highest
none
self_employed
14.5
4.7
0
none
none
0
0
0
distance
0
0
0
moderate_burden
Tanzania
2,018
urban
male
31
25-34
fourth
secondary
employed_formal
3.5
9
1
savings
NBC
0
9
0
none
0
1
0
moderate_burden
Rwanda
2,022
rural
male
52
45-54
second
secondary
unemployed
42.6
0.6
0
none
none
0
0
0
trust
0
0
0
moderate_burden
DRC
2,021
urban
male
65
55+
highest
primary
student
0.4
1.7
1
salary_account
Equity BCDC
2
0
1,293.14
none
0
1
0
moderate_burden
Tanzania
2,019
urban
female
58
55+
middle
tertiary
student
3.5
0
1
current
CRDB
3
0
199.58
none
0
0
1
moderate_burden
Ghana
2,018
urban
female
71
55+
second
secondary
unemployed
11.3
0.6
1
fixed_deposit
Absa
0
6
0
none
1
1
1
moderate_burden
DRC
2,021
urban
male
71
55+
second
secondary
employed_informal
1.9
3.3
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Kenya
2,019
urban
male
23
18-24
middle
secondary
employed_formal
1.6
3
1
current
Cooperative Bank
1
0
332.07
none
0
0
0
moderate_burden
Senegal
2,024
urban
male
39
35-44
second
primary
employed_formal
5.4
1.3
0
none
none
0
0
0
no_need
0
0
0
moderate_burden
Ghana
2,024
rural
male
67
55+
lowest
none
employed_formal
0.7
3.4
1
savings
Absa
0
22
0
none
0
1
0
moderate_burden
Senegal
2,022
urban
male
45
35-44
highest
secondary
employed_informal
5.2
8.9
1
current
CBAO
1
0
1,193.31
none
0
1
0
moderate_burden
Ethiopia
2,023
urban
male
71
55+
second
none
unemployed
11.2
0.7
0
none
none
0
0
0
distance
0
0
0
moderate_burden