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