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 | 2,019 | rural | female | 61 | 55+ | second | none | self_employed | 12.2 | 0 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
Senegal | 2,020 | urban | male | 33 | 25-34 | lowest | secondary | employed_formal | 0.4 | 0.5 | 1 | salary_account | Ecobank | 1 | 0 | 90.7 | none | 1 | 0 | 0 | moderate_burden |
DRC | 2,024 | urban | female | 67 | 55+ | second | tertiary | employed_informal | 1.1 | 4.3 | 1 | salary_account | BCDC | 0 | 15 | 0 | none | 0 | 1 | 0 | moderate_burden |
Ghana | 2,023 | rural | female | 55 | 45-54 | middle | none | student | 10.9 | 12.4 | 1 | current | Ecobank | 3 | 0 | 888.94 | none | 0 | 0 | 0 | moderate_burden |
Mozambique | 2,024 | rural | female | 59 | 55+ | second | none | employed_formal | 7 | 5 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | moderate_burden |
Senegal | 2,025 | rural | female | 55 | 45-54 | middle | tertiary | self_employed | 14.6 | 6.1 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
Niger | 2,025 | rural | male | 50 | 45-54 | second | secondary | unemployed | 3.4 | 4.6 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Malawi | 2,018 | rural | male | 70 | 55+ | lowest | secondary | employed_informal | 2.6 | 10.8 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
South Africa | 2,023 | rural | male | 32 | 25-34 | middle | none | employed_informal | 1.6 | 2.1 | 1 | current | Absa | 1 | 0 | 201.62 | none | 1 | 0 | 0 | moderate_burden |
Nigeria | 2,023 | rural | female | 62 | 55+ | second | none | unemployed | 1 | 0.5 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | moderate_burden |
Ethiopia | 2,023 | rural | male | 68 | 55+ | second | tertiary | employed_formal | 0.5 | 8.1 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | moderate_burden |
Mali | 2,025 | urban | female | 30 | 25-34 | lowest | primary | student | 1.9 | 1 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | moderate_burden |
Niger | 2,024 | urban | male | 67 | 55+ | lowest | primary | employed_formal | 1.8 | 3.6 | 1 | current | Orabank | 3 | 0 | 86.7 | none | 0 | 0 | 0 | moderate_burden |
Malawi | 2,024 | urban | male | 36 | 35-44 | lowest | primary | unemployed | 3.2 | 0.2 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Mali | 2,022 | rural | male | 47 | 45-54 | lowest | primary | self_employed | 18.5 | 9.7 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Mali | 2,020 | urban | female | 47 | 45-54 | lowest | secondary | employed_informal | 9.1 | 0 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | moderate_burden |
Kenya | 2,021 | rural | male | 41 | 35-44 | second | tertiary | employed_informal | 10.4 | 2.6 | 1 | current | Stanbic | 3 | 0 | 259.52 | none | 0 | 0 | 1 | moderate_burden |
Mali | 2,019 | rural | male | 73 | 55+ | second | none | employed_formal | 17.7 | 0.8 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
Ethiopia | 2,018 | rural | female | 33 | 25-34 | highest | primary | self_employed | 27 | 6.3 | 1 | savings | Awash Bank | 4 | 0 | 1,353.28 | none | 0 | 0 | 0 | moderate_burden |
South Africa | 2,018 | rural | female | 29 | 25-34 | second | secondary | employed_formal | 6.8 | 3.6 | 1 | salary_account | Capitec | 0 | 15 | 0 | none | 0 | 0 | 1 | moderate_burden |
Zambia | 2,020 | rural | male | 62 | 55+ | highest | none | employed_informal | 15.9 | 2.8 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | moderate_burden |
Mozambique | 2,025 | rural | male | 63 | 55+ | second | primary | employed_formal | 19.9 | 2.6 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Kenya | 2,023 | rural | female | 36 | 35-44 | second | primary | employed_informal | 19.3 | 0.8 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | moderate_burden |
Mozambique | 2,018 | rural | male | 29 | 25-34 | lowest | tertiary | employed_informal | 2.5 | 2.6 | 1 | savings | Millennium BIM | 0 | 12 | 0 | none | 1 | 1 | 1 | moderate_burden |
Senegal | 2,019 | urban | female | 32 | 25-34 | second | tertiary | employed_informal | 3.8 | 1.8 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
Zambia | 2,020 | urban | male | 56 | 55+ | second | tertiary | employed_formal | 3.3 | 0 | 1 | savings | Zanaco | 4 | 0 | 175.55 | none | 1 | 1 | 0 | moderate_burden |
Senegal | 2,022 | urban | female | 71 | 55+ | second | none | student | 1.7 | 2.8 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | moderate_burden |
Rwanda | 2,022 | urban | female | 20 | 18-24 | second | none | student | 2.4 | 0.2 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Tanzania | 2,022 | rural | male | 37 | 35-44 | middle | tertiary | self_employed | 6.7 | 29.1 | 0 | none | none | 0 | 0 | 0 | trust | 0 | 0 | 0 | moderate_burden |
Malawi | 2,024 | rural | female | 62 | 55+ | middle | tertiary | unemployed | 15.2 | 4 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | moderate_burden |
Rwanda | 2,023 | rural | male | 47 | 45-54 | highest | secondary | self_employed | 6 | 18 | 1 | savings | Equity Bank | 3 | 0 | 568.34 | none | 1 | 0 | 0 | moderate_burden |
Kenya | 2,021 | urban | male | 45 | 35-44 | fourth | primary | employed_informal | 2.6 | 2.4 | 1 | current | Cooperative Bank | 2 | 0 | 1,667.54 | none | 1 | 1 | 1 | moderate_burden |
DRC | 2,020 | urban | female | 67 | 55+ | second | none | employed_informal | 2.1 | 1.1 | 0 | none | none | 0 | 0 | 0 | trust | 0 | 0 | 0 | moderate_burden |
Ethiopia | 2,018 | rural | male | 35 | 25-34 | lowest | none | employed_formal | 9.1 | 27.4 | 1 | savings | Dashen Bank | 3 | 0 | 270.09 | none | 0 | 0 | 0 | moderate_burden |
Rwanda | 2,019 | rural | male | 68 | 55+ | highest | secondary | employed_formal | 0.6 | 0.7 | 1 | savings | Equity Bank | 1 | 0 | 3,110.86 | none | 0 | 0 | 0 | moderate_burden |
Mali | 2,023 | rural | female | 56 | 55+ | second | tertiary | unemployed | 2 | 17.4 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Kenya | 2,022 | rural | female | 66 | 55+ | second | primary | student | 6.1 | 19.4 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
Malawi | 2,025 | urban | female | 49 | 45-54 | second | none | employed_informal | 1.7 | 4.9 | 0 | none | none | 0 | 0 | 0 | trust | 0 | 0 | 0 | moderate_burden |
South Africa | 2,022 | rural | male | 30 | 25-34 | second | tertiary | student | 8.3 | 7.4 | 1 | savings | Capitec | 3 | 0 | 116.82 | none | 0 | 0 | 0 | moderate_burden |
Ghana | 2,018 | rural | female | 30 | 25-34 | highest | secondary | unemployed | 2 | 14.6 | 1 | savings | Absa | 1 | 0 | 6,290.67 | none | 1 | 0 | 0 | moderate_burden |
Mozambique | 2,025 | rural | male | 48 | 45-54 | lowest | none | self_employed | 33.4 | 4.7 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | moderate_burden |
Mozambique | 2,021 | urban | female | 59 | 55+ | second | primary | employed_formal | 3 | 1 | 1 | savings | Standard Bank | 3 | 0 | 175.08 | none | 0 | 0 | 1 | moderate_burden |
South Africa | 2,023 | rural | male | 72 | 55+ | second | secondary | unemployed | 1.4 | 19.2 | 1 | savings | Capitec | 3 | 0 | 628.79 | none | 0 | 1 | 0 | moderate_burden |
Uganda | 2,022 | rural | male | 53 | 45-54 | fourth | primary | self_employed | 1 | 24.6 | 1 | savings | Centenary | 2 | 0 | 525.75 | none | 0 | 0 | 0 | moderate_burden |
Kenya | 2,025 | urban | female | 20 | 18-24 | lowest | none | student | 4.5 | 1.5 | 0 | none | none | 0 | 0 | 0 | trust | 0 | 0 | 0 | moderate_burden |
Mozambique | 2,020 | rural | male | 50 | 45-54 | middle | secondary | employed_formal | 9.1 | 8.2 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | moderate_burden |
South Africa | 2,023 | rural | female | 39 | 35-44 | second | tertiary | unemployed | 3 | 0.1 | 1 | salary_account | Nedbank | 2 | 0 | 452.05 | none | 0 | 1 | 1 | moderate_burden |
Tanzania | 2,023 | rural | male | 24 | 18-24 | middle | none | unemployed | 1.3 | 5.6 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Senegal | 2,023 | rural | male | 60 | 55+ | lowest | secondary | self_employed | 0.8 | 4.6 | 1 | savings | Ecobank | 1 | 0 | 438.87 | none | 0 | 0 | 0 | moderate_burden |
Ethiopia | 2,020 | rural | male | 68 | 55+ | highest | secondary | unemployed | 0.1 | 7.6 | 1 | current | Awash Bank | 1 | 0 | 1,614.94 | none | 0 | 0 | 0 | moderate_burden |
Uganda | 2,023 | rural | female | 32 | 25-34 | lowest | primary | employed_informal | 24.1 | 1.9 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Kenya | 2,021 | urban | male | 25 | 18-24 | highest | tertiary | employed_informal | 2.4 | 1.5 | 1 | savings | Equity Bank | 1 | 0 | 1,620.95 | none | 0 | 0 | 0 | moderate_burden |
Kenya | 2,019 | rural | male | 24 | 18-24 | lowest | secondary | unemployed | 39.4 | 23.2 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Kenya | 2,024 | rural | male | 59 | 55+ | middle | secondary | unemployed | 25.4 | 0.8 | 1 | savings | NCBA | 0 | 9 | 0 | none | 1 | 0 | 0 | moderate_burden |
Mali | 2,018 | urban | female | 26 | 25-34 | fourth | secondary | employed_informal | 0.4 | 1.6 | 1 | savings | BDM | 4 | 0 | 195.03 | none | 0 | 1 | 0 | moderate_burden |
Mozambique | 2,021 | rural | female | 34 | 25-34 | lowest | secondary | unemployed | 17.4 | 3 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
DRC | 2,020 | urban | male | 37 | 35-44 | fourth | secondary | employed_informal | 0.1 | 4.5 | 1 | savings | Rawbank | 1 | 0 | 263.72 | none | 0 | 1 | 0 | moderate_burden |
Uganda | 2,021 | urban | female | 32 | 25-34 | lowest | secondary | unemployed | 1.9 | 0.2 | 0 | none | none | 0 | 0 | 0 | other | 0 | 0 | 0 | moderate_burden |
Mozambique | 2,019 | rural | male | 40 | 35-44 | second | none | self_employed | 18 | 2.6 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Tanzania | 2,025 | urban | male | 52 | 45-54 | lowest | none | employed_formal | 5.3 | 3.5 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
Rwanda | 2,024 | rural | male | 25 | 18-24 | second | primary | employed_formal | 6 | 12.2 | 1 | savings | Ecobank | 1 | 0 | 279.19 | none | 0 | 0 | 0 | moderate_burden |
Niger | 2,021 | rural | female | 44 | 35-44 | fourth | tertiary | unemployed | 15.5 | 8.4 | 1 | salary_account | Orabank | 1 | 0 | 173 | none | 0 | 1 | 0 | moderate_burden |
Zambia | 2,022 | rural | male | 64 | 55+ | second | secondary | self_employed | 11 | 11.2 | 1 | salary_account | Absa | 1 | 0 | 645.09 | none | 0 | 1 | 0 | moderate_burden |
Tanzania | 2,020 | urban | male | 41 | 35-44 | middle | secondary | employed_informal | 2.9 | 2 | 1 | savings | Stanbic | 0 | 20 | 0 | none | 0 | 1 | 0 | moderate_burden |
Ghana | 2,020 | rural | female | 50 | 45-54 | fourth | secondary | employed_informal | 2.3 | 3.1 | 1 | savings | GCB | 2 | 0 | 1,560.95 | none | 0 | 0 | 0 | moderate_burden |
Ethiopia | 2,019 | urban | female | 73 | 55+ | fourth | secondary | employed_informal | 1.3 | 0.8 | 1 | savings | Awash Bank | 3 | 0 | 931.93 | none | 0 | 1 | 0 | moderate_burden |
Ethiopia | 2,020 | rural | male | 53 | 45-54 | highest | primary | unemployed | 4.8 | 1.7 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
Ethiopia | 2,023 | urban | male | 37 | 35-44 | fourth | secondary | employed_informal | 1.9 | 2.3 | 1 | savings | Awash Bank | 1 | 0 | 1,405.5 | none | 0 | 0 | 0 | moderate_burden |
Rwanda | 2,024 | rural | male | 68 | 55+ | lowest | secondary | self_employed | 1.4 | 20.1 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | moderate_burden |
Rwanda | 2,022 | rural | female | 22 | 18-24 | middle | secondary | employed_formal | 14.9 | 4.8 | 1 | savings | Bank of Kigali | 1 | 0 | 413.95 | none | 0 | 1 | 0 | moderate_burden |
Zambia | 2,021 | rural | male | 37 | 35-44 | lowest | primary | employed_informal | 2.6 | 6.4 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Senegal | 2,023 | rural | male | 33 | 25-34 | lowest | primary | student | 2.9 | 7 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | moderate_burden |
Rwanda | 2,025 | rural | female | 63 | 55+ | lowest | none | unemployed | 48 | 11.3 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Niger | 2,025 | rural | male | 52 | 45-54 | lowest | secondary | employed_informal | 18.7 | 20.1 | 0 | none | none | 0 | 0 | 0 | religious | 0 | 0 | 0 | moderate_burden |
Mozambique | 2,023 | rural | male | 43 | 35-44 | middle | tertiary | self_employed | 10.2 | 1.7 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | moderate_burden |
Mozambique | 2,024 | urban | female | 21 | 18-24 | lowest | secondary | self_employed | 1.1 | 3 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
Uganda | 2,023 | urban | female | 74 | 55+ | middle | secondary | unemployed | 5.5 | 1.2 | 0 | none | none | 0 | 0 | 0 | religious | 0 | 0 | 0 | moderate_burden |
Rwanda | 2,020 | rural | male | 26 | 25-34 | fourth | primary | unemployed | 23 | 3.4 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | moderate_burden |
DRC | 2,025 | urban | male | 60 | 55+ | fourth | none | student | 3.8 | 2.2 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
Ethiopia | 2,025 | urban | male | 23 | 18-24 | lowest | none | employed_informal | 3 | 4.7 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Senegal | 2,022 | rural | male | 20 | 18-24 | second | primary | unemployed | 27.9 | 11.8 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | moderate_burden |
Malawi | 2,021 | urban | male | 70 | 55+ | second | primary | employed_formal | 14.1 | 0.2 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | moderate_burden |
Tanzania | 2,022 | urban | male | 71 | 55+ | fourth | secondary | employed_informal | 3.3 | 1.1 | 1 | savings | NBC | 3 | 0 | 625.74 | none | 0 | 1 | 1 | moderate_burden |
Senegal | 2,023 | rural | male | 23 | 18-24 | lowest | primary | employed_informal | 5.3 | 11.9 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
Mozambique | 2,021 | urban | male | 53 | 45-54 | fourth | none | unemployed | 4.6 | 4.8 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Mozambique | 2,020 | rural | female | 19 | 18-24 | fourth | primary | employed_informal | 65.1 | 12 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | moderate_burden |
Nigeria | 2,024 | urban | male | 39 | 35-44 | second | secondary | student | 3.4 | 0.7 | 1 | savings | UBA | 3 | 0 | 430.89 | none | 0 | 0 | 1 | moderate_burden |
Zambia | 2,021 | rural | male | 35 | 25-34 | fourth | primary | employed_informal | 15.5 | 11.3 | 1 | salary_account | Stanbic | 2 | 0 | 663.17 | none | 0 | 1 | 1 | moderate_burden |
DRC | 2,024 | urban | male | 66 | 55+ | lowest | tertiary | student | 8.7 | 0 | 1 | savings | BCDC | 0 | 23 | 0 | none | 0 | 0 | 0 | moderate_burden |
Uganda | 2,025 | urban | male | 67 | 55+ | middle | primary | employed_formal | 3.7 | 0.3 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | moderate_burden |
South Africa | 2,024 | rural | male | 31 | 25-34 | fourth | none | student | 34.2 | 11.2 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Zambia | 2,024 | rural | female | 55 | 45-54 | fourth | primary | self_employed | 10.5 | 14.8 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | moderate_burden |
Uganda | 2,025 | rural | female | 46 | 45-54 | fourth | primary | student | 3.5 | 6.2 | 1 | current | KCB | 1 | 0 | 1,701.81 | none | 0 | 1 | 0 | moderate_burden |
Uganda | 2,023 | urban | male | 42 | 35-44 | lowest | tertiary | employed_informal | 2.7 | 0.5 | 1 | salary_account | DFCU | 1 | 0 | 398.4 | none | 0 | 0 | 1 | moderate_burden |
Rwanda | 2,022 | rural | female | 57 | 55+ | lowest | primary | employed_informal | 12.7 | 0 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | moderate_burden |
Mali | 2,025 | urban | female | 24 | 18-24 | fourth | secondary | self_employed | 1.3 | 0.2 | 1 | current | BMCD | 1 | 0 | 845.19 | none | 0 | 0 | 0 | moderate_burden |
Senegal | 2,022 | rural | female | 20 | 18-24 | fourth | none | unemployed | 8.4 | 15.9 | 1 | savings | Ecobank | 1 | 0 | 1,542.85 | none | 0 | 0 | 1 | moderate_burden |
Uganda | 2,019 | urban | female | 18 | 18-24 | second | primary | unemployed | 0.7 | 1 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | moderate_burden |
Senegal | 2,018 | rural | female | 45 | 35-44 | highest | secondary | unemployed | 41.5 | 0.3 | 1 | salary_account | Ecobank | 2 | 0 | 5,873.63 | none | 0 | 1 | 0 | moderate_burden |
Niger | 2,018 | rural | female | 22 | 18-24 | second | secondary | unemployed | 15.8 | 20.7 | 0 | none | none | 0 | 0 | 0 | other | 0 | 0 | 0 | moderate_burden |
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