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