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
2,020
rural
female
49
45-54
highest
secondary
unemployed
2.8
3.9
1
current
Dashen Bank
2
0
2,220.96
none
0
0
0
low_burden
DRC
2,023
rural
male
20
18-24
middle
none
employed_formal
28.2
1.5
1
salary_account
BCDC
0
2
0
none
0
0
0
low_burden
Kenya
2,019
rural
male
43
35-44
middle
primary
employed_formal
13.4
8.8
0
none
none
0
0
0
documentation
0
0
0
low_burden
Mozambique
2,018
urban
male
69
55+
second
secondary
self_employed
0.8
1
1
savings
BCI
1
0
944.73
none
1
0
0
low_burden
Senegal
2,023
urban
female
27
25-34
highest
secondary
unemployed
3.3
0.8
1
current
BHS
0
13
0
none
0
0
0
low_burden
Nigeria
2,024
urban
male
64
55+
middle
secondary
employed_informal
2.2
1.1
1
savings
UBA
1
0
362.87
none
0
0
0
low_burden
Tanzania
2,023
rural
female
43
35-44
second
secondary
employed_formal
8.2
34.6
1
current
Stanbic
0
7
0
none
0
0
0
low_burden
Senegal
2,024
urban
female
47
45-54
highest
primary
student
0.3
2.3
1
fixed_deposit
CBAO
0
10
0
none
0
0
0
low_burden
Tanzania
2,024
rural
male
54
45-54
second
primary
student
14.1
7.5
0
none
none
0
0
0
distance
0
0
0
low_burden
Uganda
2,022
rural
female
58
55+
second
primary
self_employed
5.8
4
0
none
none
0
0
0
cost
0
0
0
low_burden
Rwanda
2,022
rural
female
54
45-54
lowest
primary
unemployed
3.4
8.8
0
none
none
0
0
0
distance
0
0
0
low_burden
Niger
2,024
rural
male
23
18-24
lowest
primary
student
19.4
3.2
0
none
none
0
0
0
other
0
0
0
low_burden
Uganda
2,020
urban
male
34
25-34
fourth
secondary
self_employed
9.3
4.1
1
salary_account
Stanbic
4
0
207.83
none
0
1
1
low_burden
Tanzania
2,018
rural
male
66
55+
middle
primary
unemployed
71.3
12.1
0
none
none
0
0
0
documentation
0
0
0
low_burden
Ghana
2,024
urban
male
20
18-24
highest
none
self_employed
10.7
1.6
1
savings
Absa
3
0
1,905.85
none
0
0
0
low_burden
Rwanda
2,020
rural
female
58
55+
lowest
secondary
employed_informal
62.7
3.1
0
none
none
0
0
0
cost
0
0
0
low_burden
Niger
2,025
rural
female
47
45-54
middle
none
unemployed
6.7
6.9
0
none
none
0
0
0
documentation
0
0
0
low_burden
Niger
2,021
rural
female
24
18-24
fourth
tertiary
unemployed
15.1
13.9
0
none
none
0
0
0
documentation
0
0
0
low_burden
South Africa
2,024
rural
male
24
18-24
middle
primary
employed_informal
0.3
7.9
1
fixed_deposit
Absa
1
0
295.71
none
0
1
0
low_burden
Mali
2,018
urban
male
73
55+
middle
none
self_employed
2.2
0.4
0
none
none
0
0
0
no_need
0
0
0
low_burden
Tanzania
2,023
rural
male
19
18-24
middle
tertiary
unemployed
1.1
5.3
0
none
none
0
0
0
documentation
0
0
0
low_burden
Uganda
2,021
rural
female
19
18-24
fourth
secondary
employed_informal
2.7
0.3
1
fixed_deposit
Equity Bank
2
0
952.87
none
0
1
0
low_burden
Rwanda
2,021
rural
male
18
18-24
highest
secondary
unemployed
15.8
10.4
0
none
none
0
0
0
cost
0
0
0
low_burden
Mozambique
2,020
urban
female
53
45-54
second
primary
employed_formal
1.9
0.7
0
none
none
0
0
0
cost
0
0
0
low_burden
South Africa
2,025
urban
female
70
55+
second
primary
self_employed
4
0.6
1
savings
FNB
0
1
0
none
0
0
1
low_burden
Ghana
2,021
rural
male
27
25-34
middle
secondary
student
10.3
10
1
savings
Ecobank
1
0
254.9
none
1
1
1
low_burden
Ghana
2,024
urban
female
63
55+
second
primary
unemployed
9.8
0.2
1
current
GCB
0
6
0
none
0
1
0
low_burden
Kenya
2,021
rural
female
58
55+
lowest
secondary
unemployed
83.3
1.7
0
none
none
0
0
0
cost
0
0
0
low_burden
Nigeria
2,018
rural
female
31
25-34
highest
primary
unemployed
9.9
0.5
1
savings
Zenith Bank
0
4
0
none
0
0
0
low_burden
Senegal
2,025
rural
male
22
18-24
lowest
primary
self_employed
16.4
6.9
1
current
Société Générale
1
0
193.13
none
0
1
0
low_burden
Senegal
2,019
urban
male
45
35-44
lowest
none
self_employed
0.5
1.6
0
none
none
0
0
0
religious
0
0
0
low_burden
Ethiopia
2,020
rural
female
22
18-24
middle
secondary
employed_informal
35.9
3
0
none
none
0
0
0
cost
0
0
0
low_burden
Tanzania
2,024
urban
male
24
18-24
lowest
primary
self_employed
0.6
1.8
1
savings
NBC
2
0
490.97
none
0
0
0
low_burden
DRC
2,025
rural
female
44
35-44
lowest
tertiary
self_employed
13.7
1.8
0
none
none
0
0
0
no_need
0
0
0
low_burden
Malawi
2,025
rural
male
64
55+
lowest
primary
self_employed
7.1
15.3
0
none
none
0
0
0
distance
0
0
0
low_burden
DRC
2,021
urban
female
74
55+
lowest
primary
employed_informal
6.1
0.6
0
none
none
0
0
0
trust
0
0
0
low_burden
South Africa
2,024
urban
female
53
45-54
second
primary
employed_informal
1.7
1
1
savings
Capitec
2
0
327.79
none
0
0
1
low_burden
Tanzania
2,020
urban
male
33
25-34
fourth
secondary
employed_informal
5
0.4
1
savings
NBC
1
0
220.37
none
0
1
1
low_burden
Ghana
2,023
rural
male
36
35-44
second
secondary
employed_informal
26.3
8
1
savings
GCB
1
0
452.68
none
0
0
0
low_burden
South Africa
2,022
rural
female
52
45-54
second
primary
self_employed
1
0.3
1
savings
FNB
2
0
340.54
none
0
0
0
low_burden
Rwanda
2,018
urban
male
27
25-34
middle
primary
employed_formal
4.2
0
1
fixed_deposit
Ecobank
4
0
593
none
0
0
0
low_burden
Tanzania
2,021
urban
female
47
45-54
second
secondary
student
1.2
3.3
1
current
CRDB
0
6
0
none
0
1
1
low_burden
Rwanda
2,021
rural
female
61
55+
second
primary
employed_formal
9.4
0.2
1
savings
I&M Bank
1
0
730.09
none
1
0
0
low_burden
Zambia
2,020
urban
male
66
55+
second
secondary
unemployed
3.2
1
0
none
none
0
0
0
cost
0
0
0
low_burden
Mozambique
2,020
rural
female
21
18-24
second
secondary
employed_informal
1.8
28.7
0
none
none
0
0
0
cost
0
0
0
low_burden
Ghana
2,022
rural
female
34
25-34
second
primary
unemployed
12.5
4.3
0
none
none
0
0
0
documentation
0
0
0
low_burden
South Africa
2,018
rural
female
32
25-34
lowest
secondary
unemployed
14.7
0.4
0
none
none
0
0
0
documentation
0
0
0
low_burden
South Africa
2,019
rural
male
49
45-54
highest
secondary
student
23.2
13.9
1
current
Nedbank
3
0
1,090.68
none
0
0
0
low_burden
Nigeria
2,024
rural
male
28
25-34
highest
none
unemployed
44.3
31.9
0
none
none
0
0
0
distance
0
0
0
low_burden
Nigeria
2,020
rural
male
72
55+
highest
primary
unemployed
14.5
1.6
0
none
none
0
0
0
religious
0
0
0
low_burden
Zambia
2,022
urban
female
70
55+
lowest
primary
employed_informal
0.2
0.7
0
none
none
0
0
0
no_need
0
0
0
low_burden
Kenya
2,022
urban
female
36
35-44
fourth
secondary
self_employed
1.8
1.1
1
savings
NCBA
1
0
654.7
none
0
0
0
low_burden
Tanzania
2,022
rural
female
41
35-44
middle
secondary
employed_informal
6
4.5
0
none
none
0
0
0
distance
0
0
0
low_burden
Malawi
2,021
urban
male
43
35-44
lowest
primary
unemployed
0
3.3
1
savings
National Bank
2
0
80.73
none
0
0
0
low_burden
South Africa
2,021
rural
female
20
18-24
highest
primary
unemployed
11.1
0.1
1
savings
Capitec
1
0
1,937.77
none
0
0
0
low_burden
South Africa
2,024
rural
female
68
55+
fourth
none
employed_informal
2.1
34.5
1
savings
Absa
4
0
942.3
none
0
0
0
low_burden
Nigeria
2,025
rural
female
62
55+
lowest
none
self_employed
3.4
8.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Mozambique
2,020
urban
male
36
35-44
highest
primary
employed_informal
0.4
0.3
1
savings
BCI
3
0
1,348.61
none
0
1
1
low_burden
Uganda
2,023
rural
female
49
45-54
lowest
none
self_employed
3.4
1.3
0
none
none
0
0
0
documentation
0
0
0
low_burden
Mali
2,025
rural
male
39
35-44
second
none
self_employed
51
10.8
0
none
none
0
0
0
no_need
0
0
0
low_burden
DRC
2,018
urban
male
31
25-34
lowest
secondary
self_employed
1.7
0.8
1
current
Equity BCDC
1
0
334.38
none
1
0
1
low_burden
Mozambique
2,024
rural
female
35
25-34
lowest
secondary
unemployed
20.2
2.3
0
none
none
0
0
0
cost
0
0
0
low_burden
Ghana
2,021
rural
female
24
18-24
highest
none
employed_informal
1.9
0.8
1
salary_account
Fidelity
0
11
0
none
0
1
0
low_burden
Mozambique
2,025
rural
male
64
55+
middle
secondary
unemployed
37.8
2.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Uganda
2,022
rural
female
55
45-54
second
none
unemployed
38.8
1
0
none
none
0
0
0
no_need
0
0
0
low_burden
Zambia
2,024
urban
female
71
55+
fourth
primary
employed_informal
3.4
1.4
1
savings
Stanbic
2
0
359.69
none
0
1
0
low_burden
Zambia
2,019
rural
male
18
18-24
highest
tertiary
employed_informal
21.2
11.4
1
savings
Stanbic
0
6
0
none
0
0
0
low_burden
Tanzania
2,019
rural
female
53
45-54
highest
secondary
employed_formal
11.9
18.5
1
current
Stanbic
0
19
0
none
0
1
0
low_burden
Kenya
2,025
urban
male
49
45-54
highest
none
self_employed
6.8
0.2
1
fixed_deposit
KCB
1
0
1,837.51
none
1
0
1
low_burden
Mali
2,022
rural
male
53
45-54
highest
primary
unemployed
32
1.4
0
none
none
0
0
0
cost
0
0
0
low_burden
Ethiopia
2,022
urban
male
74
55+
middle
secondary
employed_formal
3.2
2.3
0
none
none
0
0
0
religious
0
0
0
low_burden
Rwanda
2,019
urban
female
40
35-44
second
primary
employed_formal
4.4
3.9
0
none
none
0
0
0
cost
0
0
0
low_burden
Malawi
2,019
rural
male
26
25-34
highest
tertiary
self_employed
18.6
4.4
1
savings
National Bank
1
0
2,685.16
none
0
1
0
low_burden
Ethiopia
2,024
urban
male
18
18-24
lowest
primary
employed_informal
5
0.1
1
fixed_deposit
Dashen Bank
3
0
119.22
none
0
0
1
low_burden
Mozambique
2,020
rural
female
46
45-54
lowest
none
employed_informal
2.6
3.4
0
none
none
0
0
0
trust
0
0
0
low_burden
Uganda
2,022
urban
female
27
25-34
second
secondary
self_employed
4.3
1.7
0
none
none
0
0
0
cost
0
0
0
low_burden
Mali
2,020
rural
female
26
25-34
second
secondary
employed_informal
1.4
5.8
0
none
none
0
0
0
no_need
0
0
0
low_burden
Mali
2,020
urban
female
26
25-34
middle
primary
unemployed
2.4
0.4
0
none
none
0
0
0
cost
0
0
0
low_burden
Ethiopia
2,019
rural
male
33
25-34
highest
tertiary
employed_informal
23.1
8
1
salary_account
Commercial Bank of Ethiopia
0
11
0
none
1
0
0
low_burden
Ghana
2,025
urban
male
24
18-24
middle
tertiary
self_employed
5.6
0.4
0
none
none
0
0
0
documentation
0
0
0
low_burden
Kenya
2,025
rural
female
45
35-44
middle
none
employed_informal
4.1
5.2
0
none
none
0
0
0
no_need
0
0
0
low_burden
South Africa
2,018
urban
female
55
45-54
second
none
employed_informal
0.9
0.6
1
savings
FNB
1
0
111.7
none
0
1
0
low_burden
South Africa
2,020
urban
male
34
25-34
fourth
primary
self_employed
5.2
0.9
1
savings
Capitec
2
0
212.37
none
0
0
0
low_burden
Ghana
2,022
rural
male
25
18-24
lowest
secondary
unemployed
1.3
1.3
0
none
none
0
0
0
distance
0
0
0
low_burden
Kenya
2,021
rural
male
50
45-54
lowest
secondary
student
6.7
6.7
1
current
KCB
2
0
208.28
none
0
1
0
low_burden
Uganda
2,023
rural
male
22
18-24
middle
primary
employed_formal
16.3
9.4
0
none
none
0
0
0
documentation
0
0
0
low_burden
Uganda
2,020
urban
female
60
55+
middle
tertiary
self_employed
1.7
1.5
1
savings
Equity Bank
1
0
1,938.81
none
0
0
0
low_burden
DRC
2,018
urban
female
39
35-44
second
primary
self_employed
4
0.1
0
none
none
0
0
0
documentation
0
0
0
low_burden
Mozambique
2,020
rural
male
41
35-44
second
secondary
employed_formal
4.3
12.1
0
none
none
0
0
0
distance
0
0
0
low_burden
Nigeria
2,022
rural
female
32
25-34
lowest
secondary
unemployed
3
0.8
0
none
none
0
0
0
other
0
0
0
low_burden
Mali
2,019
urban
female
34
25-34
fourth
none
employed_informal
1.6
3.4
0
none
none
0
0
0
trust
0
0
0
low_burden
Nigeria
2,024
rural
male
26
25-34
second
primary
unemployed
44
10.4
0
none
none
0
0
0
distance
0
0
0
low_burden
Ethiopia
2,018
rural
male
49
45-54
second
primary
self_employed
11.9
8.2
0
none
none
0
0
0
documentation
0
0
0
low_burden
Senegal
2,018
rural
female
26
25-34
highest
tertiary
employed_informal
17.9
9.9
1
savings
CBAO
0
6
0
none
0
0
0
low_burden
Niger
2,022
urban
male
56
55+
fourth
primary
unemployed
3.8
0.7
0
none
none
0
0
0
distance
0
0
0
low_burden
Mozambique
2,022
rural
female
32
25-34
lowest
secondary
employed_informal
13.9
0.9
0
none
none
0
0
0
no_need
0
0
0
low_burden
Kenya
2,020
urban
female
50
45-54
middle
primary
unemployed
3.5
1.8
1
fixed_deposit
Cooperative Bank
1
0
307
none
0
0
0
low_burden
Nigeria
2,020
rural
female
48
45-54
lowest
primary
unemployed
1.3
15.8
0
none
none
0
0
0
cost
0
0
0
low_burden
Tanzania
2,018
urban
female
54
45-54
lowest
tertiary
self_employed
0.2
1.1
1
current
Absa
3
0
263.93
none
0
0
1
low_burden
Tanzania
2,023
rural
female
61
55+
fourth
primary
employed_informal
14.1
6.3
0
none
none
0
0
0
documentation
0
0
0
low_burden