country
string
year
int64
urban_rural
string
gender
string
age
int64
age_group
string
income_quintile
string
account_ownership
int64
active_use
int64
provider
string
n_transactions_monthly
int64
avg_transaction_value_usd
float64
transaction_types
string
digital_literacy_score
int64
years_active
int64
scenario
string
DRC
2,018
urban
male
37
35-44
lowest
0
0
none
0
0
none
8
0
low_burden
Nigeria
2,025
rural
male
45
35-44
lowest
0
0
none
0
0
none
6
0
low_burden
DRC
2,019
rural
female
50
45-54
highest
1
0
M-Pesa
0
0
none
3
1
low_burden
Kenya
2,018
urban
female
23
15-24
highest
1
0
Airtel Money
0
0
none
5
8
low_burden
Mali
2,018
rural
female
27
25-34
highest
1
0
Moov Money
0
0
none
7
8
low_burden
Mali
2,021
urban
male
20
15-24
second
0
0
none
0
0
none
5
0
low_burden
Mali
2,018
rural
male
26
25-34
fourth
1
0
Orange Money
0
0
none
7
10
low_burden
Rwanda
2,024
rural
female
41
35-44
lowest
0
0
none
0
0
none
7
0
low_burden
Zambia
2,022
rural
female
71
55+
second
0
0
none
0
0
none
3
0
low_burden
Niger
2,020
rural
female
70
55+
fourth
0
0
none
0
0
none
6
0
low_burden
Tanzania
2,018
urban
male
60
55+
highest
1
0
M-Pesa
0
0
none
10
6
low_burden
Mali
2,021
rural
male
48
45-54
second
0
0
none
0
0
none
6
0
low_burden
Senegal
2,019
rural
female
27
25-34
middle
0
0
none
0
0
none
3
0
low_burden
Malawi
2,025
rural
female
36
35-44
lowest
0
0
none
0
0
none
8
0
low_burden
Zambia
2,020
rural
male
60
55+
second
1
0
Zamtel Kwacha
0
0
none
5
9
low_burden
Senegal
2,021
urban
female
69
55+
lowest
1
1
Wave
10
109.1
person_to_person,bill_payment,merchant_payment,savings
9
9
low_burden
Kenya
2,018
rural
female
72
55+
highest
1
1
Airtel Money
10
91.2
airtime_purchase,savings,merchant_payment,international_remittance,cash_withdrawal
1
8
low_burden
Nigeria
2,019
rural
male
38
35-44
lowest
0
0
none
0
0
none
8
0
low_burden
Ghana
2,019
urban
male
44
35-44
fourth
1
1
MTN Mobile Money
15
110.2
cash_deposit,bill_payment,loan_repayment
8
6
low_burden
Uganda
2,018
rural
female
45
35-44
second
0
0
none
0
0
none
1
0
low_burden
Malawi
2,023
rural
male
18
15-24
middle
0
0
none
0
0
none
6
0
low_burden
Niger
2,025
rural
female
21
15-24
second
0
0
none
0
0
none
6
0
low_burden
Rwanda
2,025
rural
female
17
15-24
second
0
0
none
0
0
none
7
0
low_burden
Zambia
2,020
urban
male
59
55+
middle
1
0
Zamtel Kwacha
0
0
none
8
1
low_burden
DRC
2,024
rural
female
28
25-34
middle
0
0
none
0
0
none
8
0
low_burden
Senegal
2,022
urban
male
57
55+
highest
1
1
Orange Money
10
205.33
cash_deposit,person_to_person,merchant_payment
10
3
low_burden
Uganda
2,018
rural
male
37
35-44
second
1
1
MTN Mobile Money
8
30.54
cash_withdrawal,loan_repayment,person_to_person
8
10
low_burden
Mali
2,018
rural
female
62
55+
middle
0
0
none
0
0
none
4
0
low_burden
Senegal
2,022
rural
female
21
15-24
highest
0
0
none
0
0
none
10
0
low_burden
Rwanda
2,021
rural
male
34
25-34
second
0
0
none
0
0
none
6
0
low_burden
Senegal
2,018
rural
female
27
25-34
highest
1
1
Wave
3
46.43
loan_repayment,merchant_payment
10
1
low_burden
Senegal
2,025
rural
female
41
35-44
highest
1
0
Wave
0
0
none
5
2
low_burden
Uganda
2,023
rural
female
48
45-54
fourth
1
0
MTN Mobile Money
0
0
none
4
13
low_burden
Senegal
2,022
rural
female
25
15-24
middle
1
0
Wari
0
0
none
9
14
low_burden
Mali
2,025
rural
male
55
45-54
fourth
0
0
none
0
0
none
8
0
low_burden
Tanzania
2,025
urban
male
72
55+
middle
1
1
Tigo Pesa
8
129.81
loan_repayment,cash_deposit
3
8
low_burden
Rwanda
2,025
rural
female
17
15-24
middle
1
0
Airtel Money
0
0
none
2
3
low_burden
Kenya
2,020
rural
male
20
15-24
highest
0
0
none
0
0
none
9
0
low_burden
Ethiopia
2,025
rural
female
72
55+
second
0
0
none
0
0
none
2
0
low_burden
Malawi
2,022
rural
male
53
45-54
fourth
1
1
Airtel Money
6
87.87
loan_repayment,cash_withdrawal,bill_payment,person_to_person,international_remittance
5
9
low_burden
South Africa
2,023
urban
male
70
55+
middle
0
0
none
0
0
none
6
0
low_burden
Ghana
2,024
rural
male
57
55+
lowest
0
0
none
0
0
none
5
0
low_burden
Tanzania
2,019
urban
male
58
55+
middle
0
0
none
0
0
none
6
0
low_burden
Malawi
2,021
urban
male
24
15-24
fourth
1
0
Airtel Money
0
0
none
10
1
low_burden
South Africa
2,019
rural
female
45
35-44
middle
0
0
none
0
0
none
6
0
low_burden
DRC
2,020
urban
female
36
35-44
fourth
1
1
Airtel Money
14
45.98
savings,person_to_person,cash_deposit,cash_withdrawal
10
5
low_burden
Kenya
2,021
urban
male
65
55+
second
1
0
M-Pesa
0
0
none
6
8
low_burden
Ghana
2,024
rural
male
17
15-24
highest
0
0
none
0
0
none
6
0
low_burden
DRC
2,024
rural
female
16
15-24
middle
0
0
none
0
0
none
8
0
low_burden
Kenya
2,021
urban
male
48
45-54
fourth
1
0
M-Pesa
0
0
none
4
12
low_burden
DRC
2,020
urban
female
73
55+
second
0
0
none
0
0
none
10
0
low_burden
Tanzania
2,022
rural
female
74
55+
second
1
0
Airtel Money
0
0
none
10
2
low_burden
Mozambique
2,025
rural
female
50
45-54
highest
1
0
M-Pesa
0
0
none
2
11
low_burden
Tanzania
2,025
rural
female
40
35-44
lowest
1
1
Tigo Pesa
4
153.76
person_to_person,loan_repayment,airtime_purchase
2
1
low_burden
Malawi
2,019
rural
female
31
25-34
second
0
0
none
0
0
none
5
0
low_burden
Rwanda
2,019
urban
female
74
55+
fourth
1
1
MTN Mobile Money
13
255.55
cash_deposit,cash_withdrawal
3
6
low_burden
Uganda
2,023
rural
female
25
15-24
fourth
1
0
MTN Mobile Money
0
0
none
2
11
low_burden
Senegal
2,020
urban
male
22
15-24
highest
1
1
Wave
10
130.69
cash_deposit,cash_withdrawal
10
1
low_burden
Zambia
2,019
rural
male
45
35-44
fourth
0
0
none
0
0
none
2
0
low_burden
Mali
2,018
urban
male
38
35-44
highest
1
0
Orange Money
0
0
none
5
8
low_burden
South Africa
2,021
rural
male
44
35-44
middle
0
0
none
0
0
none
10
0
low_burden
Rwanda
2,021
urban
female
69
55+
middle
0
0
none
0
0
none
5
0
low_burden
Malawi
2,022
rural
male
31
25-34
fourth
0
0
none
0
0
none
2
0
low_burden
Malawi
2,019
urban
male
67
55+
fourth
0
0
none
0
0
none
4
0
low_burden
Malawi
2,023
rural
male
27
25-34
lowest
1
0
TNM Mpamba
0
0
none
4
15
low_burden
DRC
2,023
urban
female
34
25-34
second
1
0
Airtel Money
0
0
none
8
5
low_burden
Tanzania
2,021
urban
female
15
15-24
middle
0
0
none
0
0
none
7
0
low_burden
Nigeria
2,019
urban
female
55
45-54
fourth
0
0
none
0
0
none
2
0
low_burden
Ethiopia
2,022
rural
male
66
55+
middle
0
0
none
0
0
none
3
0
low_burden
Kenya
2,023
rural
male
68
55+
fourth
1
0
M-Pesa
0
0
none
5
12
low_burden
Uganda
2,020
rural
female
25
15-24
fourth
0
0
none
0
0
none
7
0
low_burden
Uganda
2,020
rural
female
61
55+
second
0
0
none
0
0
none
5
0
low_burden
Mali
2,022
rural
female
23
15-24
middle
0
0
none
0
0
none
10
0
low_burden
Niger
2,020
urban
female
52
45-54
middle
0
0
none
0
0
none
6
0
low_burden
Niger
2,021
rural
male
57
55+
lowest
0
0
none
0
0
none
8
0
low_burden
Malawi
2,020
rural
female
24
15-24
middle
1
1
TNM Mpamba
5
30.33
cash_deposit,loan_repayment
7
7
low_burden
Niger
2,020
rural
female
21
15-24
middle
1
1
Airtel Money
8
82.54
cash_deposit,savings,cash_withdrawal
6
12
low_burden
Nigeria
2,023
rural
female
19
15-24
fourth
0
0
none
0
0
none
2
0
low_burden
Mozambique
2,021
rural
female
57
55+
second
0
0
none
0
0
none
7
0
low_burden
Zambia
2,021
rural
male
51
45-54
lowest
0
0
none
0
0
none
9
0
low_burden
South Africa
2,023
rural
male
22
15-24
middle
1
0
FNB eWallet
0
0
none
10
9
low_burden
Nigeria
2,020
urban
female
45
35-44
fourth
0
0
none
0
0
none
9
0
low_burden
Zambia
2,018
rural
female
62
55+
middle
0
0
none
0
0
none
3
0
low_burden
Niger
2,024
rural
male
29
25-34
second
0
0
none
0
0
none
6
0
low_burden
Zambia
2,018
rural
male
51
45-54
highest
0
0
none
0
0
none
8
0
low_burden
Malawi
2,022
rural
female
32
25-34
lowest
1
1
Airtel Money
4
91.99
airtime_purchase,cash_deposit,person_to_person
9
12
low_burden
Nigeria
2,020
urban
male
30
25-34
second
0
0
none
0
0
none
9
0
low_burden
Ethiopia
2,019
urban
male
38
35-44
second
0
0
none
0
0
none
2
0
low_burden
Ghana
2,018
urban
female
36
35-44
fourth
1
0
AirtelTigo Money
0
0
none
9
2
low_burden
Tanzania
2,025
rural
female
44
35-44
fourth
0
0
none
0
0
none
6
0
low_burden
Niger
2,021
urban
female
27
25-34
lowest
0
0
none
0
0
none
3
0
low_burden
Rwanda
2,020
rural
female
38
35-44
fourth
1
0
Airtel Money
0
0
none
6
4
low_burden
Rwanda
2,023
rural
male
52
45-54
fourth
1
0
MTN Mobile Money
0
0
none
8
7
low_burden
Ethiopia
2,018
rural
female
38
35-44
highest
0
0
none
0
0
none
10
0
low_burden
South Africa
2,022
urban
female
54
45-54
highest
1
1
Vodapay
15
86
merchant_payment,international_remittance,savings,cash_withdrawal
9
13
low_burden
Uganda
2,021
rural
female
21
15-24
fourth
1
0
MTN Mobile Money
0
0
none
4
9
low_burden
Ethiopia
2,022
urban
female
23
15-24
lowest
1
0
M-Birr
0
0
none
9
3
low_burden
Uganda
2,018
rural
male
66
55+
second
1
0
MTN Mobile Money
0
0
none
7
9
low_burden
Ethiopia
2,025
urban
male
42
35-44
highest
0
0
none
0
0
none
3
0
low_burden
South Africa
2,019
urban
male
51
45-54
middle
1
0
FNB eWallet
0
0
none
10
7
low_burden