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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
South Africa | 2,021 | rural | female | 49 | 45-54 | lowest | secondary | self_employed | 48.8 | 0.1 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
Mali | 2,018 | rural | male | 66 | 55+ | second | primary | self_employed | 3 | 11.5 | 0 | none | none | 0 | 0 | 0 | trust | 0 | 0 | 0 | low_burden |
Tanzania | 2,021 | urban | female | 32 | 25-34 | highest | none | self_employed | 1.9 | 0.2 | 1 | current | Stanbic | 1 | 0 | 238.49 | none | 0 | 0 | 0 | low_burden |
South Africa | 2,025 | urban | female | 60 | 55+ | fourth | none | self_employed | 1.8 | 0.1 | 1 | current | Standard Bank | 1 | 0 | 1,111.24 | none | 0 | 0 | 0 | low_burden |
Zambia | 2,020 | rural | female | 37 | 35-44 | highest | primary | employed_informal | 6.3 | 9 | 0 | none | none | 0 | 0 | 0 | religious | 0 | 0 | 0 | low_burden |
Zambia | 2,025 | rural | female | 53 | 45-54 | highest | secondary | unemployed | 17 | 12.2 | 0 | none | none | 0 | 0 | 0 | trust | 0 | 0 | 0 | low_burden |
Malawi | 2,020 | rural | male | 46 | 45-54 | second | primary | unemployed | 74.3 | 5.5 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
Nigeria | 2,019 | urban | female | 69 | 55+ | middle | primary | unemployed | 10.4 | 0.3 | 1 | savings | Zenith Bank | 4 | 0 | 209.32 | none | 0 | 0 | 0 | low_burden |
South Africa | 2,020 | rural | female | 33 | 25-34 | second | none | employed_informal | 23.8 | 1.2 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
Kenya | 2,020 | urban | female | 47 | 45-54 | fourth | secondary | self_employed | 3 | 6.7 | 1 | current | Stanbic | 0 | 15 | 0 | none | 0 | 0 | 0 | low_burden |
Nigeria | 2,018 | urban | female | 27 | 25-34 | second | secondary | self_employed | 5.1 | 2.7 | 1 | fixed_deposit | GTBank | 3 | 0 | 244.68 | none | 0 | 0 | 0 | low_burden |
Ghana | 2,022 | urban | female | 54 | 45-54 | lowest | secondary | unemployed | 0.1 | 0.9 | 0 | none | none | 0 | 0 | 0 | other | 0 | 0 | 0 | low_burden |
Tanzania | 2,020 | rural | female | 20 | 18-24 | lowest | tertiary | unemployed | 7 | 6.6 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | low_burden |
Uganda | 2,023 | urban | male | 41 | 35-44 | fourth | none | unemployed | 3 | 0.1 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
Kenya | 2,021 | urban | male | 18 | 18-24 | lowest | none | employed_informal | 0.3 | 0.5 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | low_burden |
Niger | 2,021 | rural | female | 36 | 35-44 | middle | secondary | unemployed | 19 | 2.4 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
South Africa | 2,021 | rural | female | 45 | 35-44 | highest | primary | unemployed | 2.5 | 4.2 | 1 | current | Standard Bank | 2 | 0 | 1,768.17 | none | 1 | 0 | 0 | low_burden |
Uganda | 2,019 | urban | female | 36 | 35-44 | fourth | secondary | employed_informal | 7.7 | 0.8 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | low_burden |
Tanzania | 2,023 | urban | male | 39 | 35-44 | second | secondary | employed_formal | 0.2 | 6 | 1 | savings | NMB | 1 | 0 | 88.76 | none | 0 | 0 | 0 | low_burden |
Zambia | 2,018 | rural | male | 26 | 25-34 | lowest | none | employed_formal | 11.5 | 0.1 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | low_burden |
Mozambique | 2,023 | urban | male | 58 | 55+ | highest | tertiary | self_employed | 2.4 | 2.4 | 1 | current | Moza Banco | 4 | 0 | 20,560.38 | none | 0 | 0 | 0 | low_burden |
Niger | 2,025 | urban | female | 63 | 55+ | middle | none | employed_informal | 6.1 | 2.2 | 0 | none | none | 0 | 0 | 0 | religious | 0 | 0 | 0 | low_burden |
Mali | 2,024 | rural | female | 43 | 35-44 | second | secondary | employed_informal | 30 | 11.2 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
Senegal | 2,021 | urban | female | 21 | 18-24 | highest | primary | self_employed | 2.1 | 3.3 | 1 | current | Ecobank | 0 | 21 | 0 | none | 0 | 0 | 1 | low_burden |
Malawi | 2,020 | rural | male | 21 | 18-24 | lowest | secondary | unemployed | 2.7 | 12.6 | 0 | none | none | 0 | 0 | 0 | trust | 0 | 0 | 0 | low_burden |
Nigeria | 2,024 | urban | female | 56 | 55+ | second | none | unemployed | 1.4 | 1.1 | 0 | none | none | 0 | 0 | 0 | trust | 0 | 0 | 0 | low_burden |
DRC | 2,020 | urban | female | 70 | 55+ | lowest | tertiary | unemployed | 3.4 | 0 | 0 | none | none | 0 | 0 | 0 | other | 0 | 0 | 0 | low_burden |
DRC | 2,021 | urban | male | 67 | 55+ | lowest | tertiary | unemployed | 1.5 | 1 | 0 | none | none | 0 | 0 | 0 | religious | 0 | 0 | 0 | low_burden |
Kenya | 2,024 | urban | female | 41 | 35-44 | second | secondary | self_employed | 0.4 | 0.6 | 1 | savings | Cooperative Bank | 3 | 0 | 206.51 | none | 1 | 1 | 0 | low_burden |
Niger | 2,025 | urban | female | 46 | 45-54 | fourth | secondary | unemployed | 1.9 | 2.8 | 1 | savings | Sonibank | 0 | 12 | 0 | none | 1 | 1 | 0 | low_burden |
Uganda | 2,025 | urban | male | 27 | 25-34 | second | secondary | employed_informal | 1.2 | 0.9 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
Mali | 2,018 | rural | male | 22 | 18-24 | fourth | secondary | unemployed | 1.8 | 1.3 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | low_burden |
DRC | 2,025 | rural | female | 61 | 55+ | fourth | secondary | unemployed | 12.7 | 8.1 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | low_burden |
Uganda | 2,018 | urban | female | 42 | 35-44 | highest | secondary | unemployed | 0.5 | 2.4 | 1 | savings | Equity Bank | 1 | 0 | 2,697.86 | none | 0 | 0 | 1 | low_burden |
Malawi | 2,022 | rural | female | 46 | 45-54 | lowest | tertiary | self_employed | 38.1 | 1.3 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | low_burden |
Uganda | 2,025 | rural | female | 37 | 35-44 | fourth | secondary | employed_informal | 60.4 | 8.4 | 1 | savings | KCB | 0 | 24 | 0 | none | 0 | 1 | 0 | low_burden |
Senegal | 2,023 | rural | male | 35 | 25-34 | lowest | primary | employed_informal | 4.3 | 0.8 | 1 | savings | CBAO | 1 | 0 | 607.13 | none | 0 | 0 | 1 | low_burden |
Mozambique | 2,025 | urban | female | 74 | 55+ | fourth | tertiary | employed_formal | 1 | 0.4 | 1 | savings | BCI | 0 | 9 | 0 | none | 0 | 1 | 0 | low_burden |
Uganda | 2,020 | urban | female | 64 | 55+ | second | primary | employed_formal | 1.5 | 1.1 | 1 | savings | Centenary | 1 | 0 | 423.76 | none | 0 | 1 | 1 | low_burden |
Ethiopia | 2,020 | urban | male | 57 | 55+ | fourth | none | employed_informal | 4.6 | 0.1 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
South Africa | 2,020 | urban | female | 40 | 35-44 | lowest | tertiary | employed_formal | 4.6 | 0.2 | 1 | savings | Absa | 0 | 12 | 0 | none | 0 | 0 | 0 | low_burden |
Tanzania | 2,020 | urban | male | 59 | 55+ | middle | primary | unemployed | 0 | 1.2 | 1 | current | NMB | 1 | 0 | 187.25 | none | 0 | 1 | 0 | low_burden |
Uganda | 2,023 | rural | male | 37 | 35-44 | lowest | none | self_employed | 8.3 | 16 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | low_burden |
Zambia | 2,021 | rural | male | 47 | 45-54 | lowest | secondary | unemployed | 11.1 | 2.4 | 0 | none | none | 0 | 0 | 0 | religious | 0 | 0 | 0 | low_burden |
Zambia | 2,023 | urban | female | 26 | 25-34 | middle | secondary | self_employed | 1.6 | 1.5 | 1 | current | Absa | 0 | 11 | 0 | none | 0 | 0 | 0 | low_burden |
Rwanda | 2,021 | rural | male | 58 | 55+ | second | none | employed_informal | 0.4 | 0.1 | 1 | current | Bank of Kigali | 2 | 0 | 363.86 | none | 0 | 0 | 1 | low_burden |
Tanzania | 2,020 | urban | male | 21 | 18-24 | fourth | primary | employed_informal | 0.6 | 1.2 | 1 | current | NMB | 2 | 0 | 189.52 | none | 0 | 0 | 0 | low_burden |
South Africa | 2,019 | rural | female | 59 | 55+ | fourth | none | unemployed | 25.5 | 3.5 | 0 | none | none | 0 | 0 | 0 | religious | 0 | 0 | 0 | low_burden |
Zambia | 2,022 | rural | male | 52 | 45-54 | middle | primary | employed_formal | 7.5 | 7.2 | 1 | savings | Absa | 2 | 0 | 383.68 | none | 0 | 0 | 0 | low_burden |
Tanzania | 2,025 | urban | female | 21 | 18-24 | fourth | primary | unemployed | 1.8 | 0.8 | 1 | current | Absa | 2 | 0 | 3,153.04 | none | 1 | 1 | 1 | low_burden |
South Africa | 2,024 | rural | female | 46 | 45-54 | fourth | none | employed_informal | 2.9 | 7.1 | 1 | current | Absa | 0 | 24 | 0 | none | 0 | 1 | 0 | low_burden |
Mozambique | 2,020 | rural | male | 30 | 25-34 | highest | tertiary | employed_informal | 1 | 7 | 1 | current | BCI | 0 | 18 | 0 | none | 0 | 0 | 0 | low_burden |
Zambia | 2,021 | rural | male | 45 | 35-44 | lowest | secondary | employed_formal | 26 | 0.7 | 1 | current | Zanaco | 2 | 0 | 59.48 | none | 0 | 0 | 0 | low_burden |
Kenya | 2,023 | rural | female | 18 | 18-24 | middle | secondary | self_employed | 7.2 | 10.3 | 0 | none | none | 0 | 0 | 0 | trust | 0 | 0 | 0 | low_burden |
Senegal | 2,022 | rural | male | 59 | 55+ | fourth | tertiary | employed_formal | 7 | 14.3 | 1 | savings | Société Générale | 1 | 0 | 426.35 | none | 0 | 1 | 1 | low_burden |
Senegal | 2,018 | urban | male | 47 | 45-54 | lowest | tertiary | unemployed | 7.6 | 3.2 | 0 | none | none | 0 | 0 | 0 | religious | 0 | 0 | 0 | low_burden |
Nigeria | 2,022 | urban | female | 38 | 35-44 | second | secondary | employed_formal | 2.1 | 0.7 | 1 | current | Zenith Bank | 2 | 0 | 1,476.59 | none | 0 | 0 | 1 | low_burden |
Rwanda | 2,018 | rural | female | 67 | 55+ | second | primary | employed_informal | 11.6 | 5 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
DRC | 2,018 | urban | female | 54 | 45-54 | middle | secondary | employed_formal | 0 | 1 | 1 | current | BCDC | 0 | 14 | 0 | none | 0 | 0 | 0 | low_burden |
Uganda | 2,023 | rural | female | 52 | 45-54 | second | secondary | student | 13.4 | 2.4 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
Niger | 2,018 | rural | female | 26 | 25-34 | middle | primary | self_employed | 22.9 | 0.4 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
Nigeria | 2,020 | urban | female | 46 | 45-54 | middle | primary | self_employed | 5.8 | 0.9 | 1 | savings | GTBank | 1 | 0 | 434.94 | none | 0 | 1 | 0 | low_burden |
Mali | 2,022 | urban | female | 57 | 55+ | middle | primary | self_employed | 1.6 | 2.6 | 1 | savings | BDM | 1 | 0 | 244.61 | none | 0 | 1 | 1 | low_burden |
Malawi | 2,023 | rural | female | 70 | 55+ | second | primary | unemployed | 13.3 | 4.7 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
Kenya | 2,021 | urban | female | 52 | 45-54 | fourth | secondary | employed_formal | 7.4 | 4.4 | 1 | savings | KCB | 2 | 0 | 1,125.49 | none | 1 | 0 | 1 | low_burden |
South Africa | 2,018 | urban | female | 27 | 25-34 | middle | primary | unemployed | 0.9 | 4.4 | 1 | savings | Nedbank | 3 | 0 | 343.63 | none | 1 | 1 | 1 | low_burden |
Nigeria | 2,024 | urban | male | 56 | 55+ | lowest | primary | unemployed | 0.6 | 1.1 | 1 | salary_account | First Bank | 2 | 0 | 20.94 | none | 0 | 0 | 0 | low_burden |
Senegal | 2,025 | rural | female | 22 | 18-24 | lowest | none | employed_formal | 23.2 | 1.3 | 0 | none | none | 0 | 0 | 0 | other | 0 | 0 | 0 | low_burden |
Nigeria | 2,025 | rural | female | 35 | 25-34 | second | tertiary | employed_formal | 41.8 | 6.9 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
Mozambique | 2,023 | urban | male | 70 | 55+ | highest | primary | self_employed | 5 | 1 | 1 | current | BCI | 2 | 0 | 559.05 | none | 0 | 1 | 0 | low_burden |
Mali | 2,021 | rural | male | 63 | 55+ | second | primary | employed_formal | 12.2 | 3.5 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
DRC | 2,025 | urban | female | 69 | 55+ | lowest | secondary | employed_informal | 7 | 0.7 | 0 | none | none | 0 | 0 | 0 | other | 0 | 0 | 0 | low_burden |
Malawi | 2,021 | rural | male | 38 | 35-44 | lowest | secondary | employed_informal | 26.2 | 3.9 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
Zambia | 2,019 | urban | male | 56 | 55+ | lowest | secondary | employed_informal | 1.4 | 1.5 | 1 | savings | Stanbic | 2 | 0 | 953.56 | none | 0 | 1 | 0 | low_burden |
Rwanda | 2,024 | rural | male | 57 | 55+ | second | secondary | unemployed | 2.5 | 0.2 | 1 | savings | Equity Bank | 3 | 0 | 435.77 | none | 0 | 1 | 0 | low_burden |
Mali | 2,020 | rural | male | 32 | 25-34 | fourth | primary | self_employed | 18.2 | 0.1 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
DRC | 2,025 | rural | female | 71 | 55+ | second | tertiary | self_employed | 4.5 | 7.8 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | low_burden |
Kenya | 2,020 | urban | male | 73 | 55+ | fourth | secondary | self_employed | 2.8 | 0.9 | 1 | current | Cooperative Bank | 3 | 0 | 2,658.61 | none | 0 | 0 | 0 | low_burden |
Rwanda | 2,024 | rural | male | 24 | 18-24 | lowest | secondary | employed_informal | 46.1 | 25.6 | 0 | none | none | 0 | 0 | 0 | other | 0 | 0 | 0 | low_burden |
Uganda | 2,022 | rural | female | 61 | 55+ | second | none | self_employed | 15.3 | 0 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | low_burden |
Tanzania | 2,021 | rural | male | 43 | 35-44 | fourth | secondary | unemployed | 0.1 | 6.7 | 1 | current | Absa | 0 | 9 | 0 | none | 0 | 1 | 0 | low_burden |
DRC | 2,020 | rural | male | 56 | 55+ | fourth | primary | employed_informal | 29.1 | 18.1 | 0 | none | none | 0 | 0 | 0 | other | 0 | 0 | 0 | low_burden |
Ghana | 2,024 | rural | female | 49 | 45-54 | highest | primary | self_employed | 17.1 | 1.3 | 1 | savings | Fidelity | 0 | 2 | 0 | none | 0 | 0 | 0 | low_burden |
Mali | 2,018 | urban | female | 30 | 25-34 | second | secondary | unemployed | 1 | 1.2 | 0 | none | none | 0 | 0 | 0 | distance | 0 | 0 | 0 | low_burden |
Malawi | 2,021 | rural | female | 23 | 18-24 | middle | secondary | self_employed | 19.2 | 11.6 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | low_burden |
Ghana | 2,020 | urban | female | 47 | 45-54 | fourth | primary | employed_informal | 1.7 | 1.1 | 1 | savings | Ecobank | 3 | 0 | 361.86 | none | 0 | 1 | 0 | low_burden |
Ethiopia | 2,022 | rural | female | 65 | 55+ | lowest | tertiary | employed_formal | 12.8 | 9.1 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
Zambia | 2,020 | urban | male | 64 | 55+ | fourth | primary | self_employed | 4.2 | 2.2 | 1 | salary_account | Stanbic | 2 | 0 | 788.85 | none | 0 | 0 | 0 | low_burden |
Mali | 2,023 | urban | female | 33 | 25-34 | second | secondary | unemployed | 2.1 | 0.7 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
Rwanda | 2,021 | rural | female | 67 | 55+ | lowest | none | unemployed | 21.2 | 8.1 | 0 | none | none | 0 | 0 | 0 | trust | 0 | 0 | 0 | low_burden |
Mozambique | 2,019 | rural | male | 38 | 35-44 | fourth | primary | unemployed | 5.1 | 1.2 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | low_burden |
Mozambique | 2,019 | rural | female | 50 | 45-54 | fourth | tertiary | employed_formal | 15.9 | 4.9 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | low_burden |
Mali | 2,023 | rural | male | 36 | 35-44 | highest | none | unemployed | 19.6 | 13.2 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
Rwanda | 2,020 | urban | female | 47 | 45-54 | highest | tertiary | self_employed | 2.9 | 0.8 | 1 | savings | Bank of Kigali | 1 | 0 | 1,450.25 | none | 0 | 1 | 0 | low_burden |
Tanzania | 2,020 | urban | female | 48 | 45-54 | second | primary | student | 10.4 | 3.8 | 1 | savings | Stanbic | 2 | 0 | 216.32 | none | 0 | 0 | 0 | low_burden |
Malawi | 2,023 | urban | female | 57 | 55+ | middle | secondary | unemployed | 0.1 | 0.7 | 0 | none | none | 0 | 0 | 0 | cost | 0 | 0 | 0 | low_burden |
Uganda | 2,020 | rural | male | 44 | 35-44 | highest | none | self_employed | 15.6 | 17.7 | 0 | none | none | 0 | 0 | 0 | documentation | 0 | 0 | 0 | low_burden |
Ethiopia | 2,021 | rural | female | 48 | 45-54 | lowest | secondary | self_employed | 4.6 | 1.9 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
Mozambique | 2,019 | rural | female | 55 | 45-54 | middle | tertiary | self_employed | 29.5 | 6.7 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
Malawi | 2,020 | rural | male | 41 | 35-44 | highest | secondary | employed_informal | 22.9 | 27.3 | 0 | none | none | 0 | 0 | 0 | no_need | 0 | 0 | 0 | low_burden |
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