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 |
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