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
Senegal
2,018
rural
male
50
45-54
fourth
1
0
Orange Money
0
0
none
9
4
moderate_burden
Ghana
2,018
urban
male
25
15-24
middle
1
1
MTN Mobile Money
14
112.98
cash_deposit,merchant_payment,bill_payment
10
4
moderate_burden
Kenya
2,018
rural
male
67
55+
lowest
1
1
Airtel Money
9
100.31
bill_payment,merchant_payment,loan_repayment
3
7
moderate_burden
Niger
2,022
urban
male
25
15-24
highest
1
1
Airtel Money
10
343.66
merchant_payment,international_remittance,loan_repayment,savings,person_to_person
10
2
moderate_burden
Zambia
2,018
urban
male
61
55+
middle
0
0
none
0
0
none
6
0
moderate_burden
Nigeria
2,025
rural
female
16
15-24
lowest
0
0
none
0
0
none
8
0
moderate_burden
South Africa
2,018
rural
female
32
25-34
middle
1
0
Vodapay
0
0
none
7
7
moderate_burden
Ethiopia
2,024
urban
female
62
55+
lowest
1
1
telebirr
17
153.87
merchant_payment,international_remittance,loan_repayment,person_to_person,airtime_purchase
9
15
moderate_burden
Niger
2,025
rural
male
22
15-24
middle
0
0
none
0
0
none
2
0
moderate_burden
South Africa
2,019
rural
male
17
15-24
highest
0
0
none
0
0
none
6
0
moderate_burden
Kenya
2,021
urban
male
44
35-44
middle
1
0
Airtel Money
0
0
none
4
12
moderate_burden
Uganda
2,023
rural
male
50
45-54
second
0
0
none
0
0
none
9
0
moderate_burden
Malawi
2,021
rural
female
29
25-34
lowest
0
0
none
0
0
none
10
0
moderate_burden
Mozambique
2,019
rural
male
47
45-54
middle
0
0
none
0
0
none
7
0
moderate_burden
Ethiopia
2,024
urban
female
54
45-54
lowest
0
0
none
0
0
none
8
0
moderate_burden
Ghana
2,018
rural
female
21
15-24
middle
0
0
none
0
0
none
2
0
moderate_burden
Rwanda
2,018
rural
female
40
35-44
second
0
0
none
0
0
none
8
0
moderate_burden
Nigeria
2,020
urban
male
46
45-54
second
0
0
none
0
0
none
8
0
moderate_burden
Senegal
2,023
urban
female
48
45-54
fourth
1
1
Wave
9
107.2
cash_deposit,merchant_payment,loan_repayment,savings,cash_withdrawal
6
13
moderate_burden
Mozambique
2,020
urban
female
39
35-44
middle
0
0
none
0
0
none
6
0
moderate_burden
Senegal
2,018
urban
male
15
15-24
second
0
0
none
0
0
none
5
0
moderate_burden
Malawi
2,019
rural
female
32
25-34
middle
1
1
TNM Mpamba
7
43.55
savings,airtime_purchase,cash_deposit
7
4
moderate_burden
Senegal
2,022
urban
male
47
45-54
second
0
0
none
0
0
none
9
0
moderate_burden
Zambia
2,023
urban
male
18
15-24
second
0
0
none
0
0
none
10
0
moderate_burden
Ethiopia
2,024
urban
female
39
35-44
middle
0
0
none
0
0
none
9
0
moderate_burden
Uganda
2,023
rural
male
49
45-54
second
1
0
MTN Mobile Money
0
0
none
1
2
moderate_burden
Kenya
2,022
rural
female
67
55+
lowest
1
0
Airtel Money
0
0
none
1
11
moderate_burden
Tanzania
2,018
rural
male
70
55+
second
0
0
none
0
0
none
4
0
moderate_burden
Malawi
2,021
rural
female
63
55+
lowest
0
0
none
0
0
none
2
0
moderate_burden
Malawi
2,024
rural
female
65
55+
fourth
1
0
Airtel Money
0
0
none
7
12
moderate_burden
Kenya
2,018
urban
female
18
15-24
second
1
1
Airtel Money
6
108.72
cash_withdrawal,merchant_payment,bill_payment,international_remittance
7
10
moderate_burden
DRC
2,023
rural
male
60
55+
middle
0
0
none
0
0
none
7
0
moderate_burden
Mali
2,021
urban
male
19
15-24
middle
0
0
none
0
0
none
3
0
moderate_burden
Uganda
2,021
rural
male
38
35-44
middle
1
0
MTN Mobile Money
0
0
none
1
13
moderate_burden
Malawi
2,022
rural
female
47
45-54
highest
0
0
none
0
0
none
3
0
moderate_burden
Ghana
2,019
rural
male
21
15-24
middle
1
0
MTN Mobile Money
0
0
none
10
6
moderate_burden
Zambia
2,025
urban
female
69
55+
second
0
0
none
0
0
none
2
0
moderate_burden
South Africa
2,020
urban
male
40
35-44
middle
1
1
Vodapay
19
84.97
loan_repayment,cash_deposit,person_to_person,merchant_payment,cash_withdrawal
10
5
moderate_burden
Niger
2,025
rural
male
35
25-34
middle
0
0
none
0
0
none
1
0
moderate_burden
South Africa
2,023
rural
male
53
45-54
highest
0
0
none
0
0
none
8
0
moderate_burden
Ethiopia
2,021
urban
female
36
35-44
highest
0
0
none
0
0
none
2
0
moderate_burden
Mozambique
2,024
rural
female
65
55+
middle
0
0
none
0
0
none
1
0
moderate_burden
Ethiopia
2,019
urban
female
44
35-44
lowest
1
0
M-Birr
0
0
none
6
4
moderate_burden
Zambia
2,022
rural
male
65
55+
lowest
0
0
none
0
0
none
10
0
moderate_burden
Ethiopia
2,020
urban
male
34
25-34
lowest
0
0
none
0
0
none
10
0
moderate_burden
Malawi
2,023
rural
female
40
35-44
highest
0
0
none
0
0
none
8
0
moderate_burden
South Africa
2,021
rural
female
35
25-34
fourth
0
0
none
0
0
none
1
0
moderate_burden
Ghana
2,019
rural
female
33
25-34
highest
1
0
MTN Mobile Money
0
0
none
7
9
moderate_burden
Kenya
2,018
rural
male
38
35-44
second
1
1
M-Pesa
5
51.26
bill_payment,cash_deposit,person_to_person
9
2
moderate_burden
DRC
2,020
urban
male
54
45-54
lowest
0
0
none
0
0
none
7
0
moderate_burden
Ghana
2,024
rural
male
61
55+
lowest
0
0
none
0
0
none
3
0
moderate_burden
Zambia
2,019
urban
male
38
35-44
middle
1
1
Airtel Money
9
82.73
airtime_purchase,cash_deposit
10
11
moderate_burden
Tanzania
2,020
urban
male
35
25-34
middle
1
0
Tigo Pesa
0
0
none
3
11
moderate_burden
Ghana
2,018
rural
male
50
45-54
middle
0
0
none
0
0
none
8
0
moderate_burden
Kenya
2,021
rural
male
60
55+
fourth
1
1
Airtel Money
6
137.58
person_to_person,savings,cash_deposit
9
11
moderate_burden
Mali
2,021
rural
female
23
15-24
fourth
1
0
Orange Money
0
0
none
10
13
moderate_burden
Ghana
2,020
urban
male
45
35-44
second
1
1
AirtelTigo Money
10
85.57
merchant_payment,bill_payment
5
9
moderate_burden
Uganda
2,025
rural
male
28
25-34
second
1
1
MTN Mobile Money
5
152.18
loan_repayment,merchant_payment,cash_withdrawal,cash_deposit,savings
5
9
moderate_burden
Uganda
2,021
rural
female
69
55+
second
0
0
none
0
0
none
7
0
moderate_burden
DRC
2,018
urban
male
52
45-54
highest
0
0
none
0
0
none
7
0
moderate_burden
Rwanda
2,023
urban
male
30
25-34
lowest
1
0
MTN Mobile Money
0
0
none
10
5
moderate_burden
Ghana
2,020
urban
male
51
45-54
fourth
1
1
AirtelTigo Money
12
77.8
bill_payment,cash_withdrawal
8
8
moderate_burden
Malawi
2,022
urban
female
27
25-34
second
0
0
none
0
0
none
8
0
moderate_burden
Niger
2,020
urban
male
29
25-34
middle
1
0
Moov Money
0
0
none
10
9
moderate_burden
Mali
2,024
rural
female
74
55+
fourth
1
0
Moov Money
0
0
none
5
13
moderate_burden
Malawi
2,023
rural
female
34
25-34
second
0
0
none
0
0
none
3
0
moderate_burden
Kenya
2,023
rural
female
70
55+
middle
1
1
M-Pesa
5
71.92
cash_withdrawal,person_to_person,cash_deposit,merchant_payment,international_remittance
10
12
moderate_burden
Malawi
2,024
rural
male
47
45-54
fourth
0
0
none
0
0
none
6
0
moderate_burden
DRC
2,025
urban
female
62
55+
second
1
0
Orange Money
0
0
none
8
8
moderate_burden
South Africa
2,019
urban
female
30
25-34
second
0
0
none
0
0
none
10
0
moderate_burden
Malawi
2,024
rural
male
37
35-44
fourth
1
1
Airtel Money
8
225.27
international_remittance,cash_withdrawal,merchant_payment
5
7
moderate_burden
Malawi
2,023
urban
female
71
55+
fourth
1
1
Airtel Money
10
369.85
bill_payment,merchant_payment,international_remittance,person_to_person
2
6
moderate_burden
South Africa
2,025
rural
female
45
35-44
highest
1
1
FNB eWallet
6
84.2
bill_payment,person_to_person,airtime_purchase
5
3
moderate_burden
Senegal
2,018
rural
female
57
55+
fourth
1
0
Wari
0
0
none
8
7
moderate_burden
DRC
2,023
rural
male
48
45-54
middle
1
0
Orange Money
0
0
none
10
9
moderate_burden
Ethiopia
2,021
rural
female
19
15-24
lowest
0
0
none
0
0
none
9
0
moderate_burden
Nigeria
2,024
rural
male
60
55+
lowest
0
0
none
0
0
none
8
0
moderate_burden
Tanzania
2,024
rural
male
19
15-24
lowest
0
0
none
0
0
none
4
0
moderate_burden
Ethiopia
2,018
urban
male
19
15-24
fourth
0
0
none
0
0
none
10
0
moderate_burden
Ethiopia
2,020
rural
female
32
25-34
highest
1
1
M-Birr
9
28.09
person_to_person,merchant_payment,international_remittance,bill_payment
2
10
moderate_burden
Kenya
2,021
urban
female
71
55+
lowest
1
1
M-Pesa
11
25.05
loan_repayment,cash_withdrawal,person_to_person,bill_payment,merchant_payment
3
4
moderate_burden
Mali
2,024
urban
female
73
55+
highest
1
1
Moov Money
10
96.87
cash_withdrawal,international_remittance
7
10
moderate_burden
Zambia
2,025
urban
female
46
45-54
middle
1
1
Zamtel Kwacha
7
28.88
merchant_payment,cash_withdrawal
6
11
moderate_burden
Rwanda
2,024
rural
male
48
45-54
highest
1
0
Airtel Money
0
0
none
9
5
moderate_burden
Zambia
2,025
rural
male
32
25-34
second
1
0
MTN Mobile Money
0
0
none
9
12
moderate_burden
Kenya
2,021
rural
female
63
55+
lowest
1
1
M-Pesa
5
127.84
international_remittance,loan_repayment,merchant_payment
2
13
moderate_burden
Niger
2,022
rural
male
49
45-54
second
0
0
none
0
0
none
6
0
moderate_burden
Mozambique
2,025
rural
female
19
15-24
fourth
0
0
none
0
0
none
6
0
moderate_burden
Nigeria
2,018
rural
female
22
15-24
fourth
0
0
none
0
0
none
4
0
moderate_burden
Uganda
2,020
rural
male
23
15-24
lowest
1
0
Airtel Money
0
0
none
4
5
moderate_burden
Mozambique
2,023
rural
male
74
55+
lowest
0
0
none
0
0
none
7
0
moderate_burden
Ghana
2,019
rural
female
18
15-24
middle
0
0
none
0
0
none
4
0
moderate_burden
Senegal
2,023
rural
male
15
15-24
lowest
0
0
none
0
0
none
2
0
moderate_burden
Rwanda
2,019
urban
female
25
15-24
second
1
0
MTN Mobile Money
0
0
none
5
11
moderate_burden
Ethiopia
2,020
urban
female
60
55+
lowest
0
0
none
0
0
none
3
0
moderate_burden
Ethiopia
2,018
urban
male
43
35-44
second
0
0
none
0
0
none
4
0
moderate_burden
DRC
2,024
urban
male
18
15-24
fourth
0
0
none
0
0
none
6
0
moderate_burden
Nigeria
2,023
urban
female
54
45-54
middle
1
1
Paga
10
50.83
person_to_person,bill_payment,cash_withdrawal,loan_repayment
9
6
moderate_burden
Nigeria
2,019
rural
male
62
55+
middle
0
0
none
0
0
none
7
0
moderate_burden
Senegal
2,020
urban
female
28
25-34
middle
0
0
none
0
0
none
10
0
moderate_burden