Datasets:

electricsheepafrica
/

africa-synth-financial-inclusion-digital-payments-usage-africa-all

Split (1)

train · 30k rows

country string	year int64	urban_rural string	gender string	age int64	age_group string	income_quintile string	education string	account_ownership int64	digital_literacy int64	smartphone_ownership int64	internet_access int64	digital_payment_use int64	merchant_acceptance_rate float64	payment_frequency_monthly int64	avg_transaction_value_usd float64	preferred_payment_method string	payment_types_used string	payment_purposes string	primary_barrier string	payment_success_rate float64	cash_usage_ratio float64	scenario string
Uganda	2,020	rural	female	65	55+	middle	none	0	3	0	1	0	0.05	0	0	cash	none	none	preference_cash	0	0.654	low_burden
Mali	2,024	urban	female	43	35-44	fourth	secondary	1	4	0	1	1	0.388	13	20	mobile_money	mobile_money	government_services,entertainment	none	0.779	0.283	low_burden
Rwanda	2,018	rural	male	48	45-54	fourth	tertiary	1	8	0	0	1	0.05	4	104.43	mobile_money	card_payment,bank_transfer,qr_code	transport,government_services,healthcare	none	0.912	0.42	low_burden
Malawi	2,021	urban	male	34	25-34	lowest	primary	1	10	1	0	1	0.52	8	25.77	online_payment	ussd_payment,online_payment	education,business_to_business,utilities	none	0.964	0.547	low_burden
Malawi	2,024	rural	female	63	55+	lowest	tertiary	0	10	0	0	0	0.19	0	0	cash	none	none	no_internet	0	0.735	low_burden
DRC	2,025	urban	female	19	15-24	fourth	secondary	0	4	0	1	0	0.296	0	0	cash	none	none	technical_problems	0	0.702	low_burden
Uganda	2,020	rural	female	30	25-34	highest	tertiary	0	9	1	0	0	0.174	0	0	cash	none	none	preference_cash	0	0.771	low_burden
Niger	2,023	urban	female	69	55+	highest	primary	0	9	1	1	1	0.364	12	69	mobile_money	mobile_money,digital_wallet	business_to_business,transport,utilities	none	0.888	0.391	low_burden
Ghana	2,019	urban	female	41	35-44	highest	none	1	2	1	1	1	0.28	5	163.06	mobile_money	online_payment,digital_wallet	online_shopping,education	none	0.956	0.402	low_burden
Uganda	2,018	rural	female	24	15-24	middle	none	0	8	1	0	0	0.05	0	0	cash	none	none	trust_issues	0	0.883	low_burden
Zambia	2,020	urban	female	37	35-44	highest	secondary	1	6	1	1	1	0.206	10	93.86	ussd_payment	digital_wallet,mobile_money,ussd_payment	business_to_business,bill_split	none	0.688	0.465	low_burden
South Africa	2,025	urban	female	29	25-34	second	tertiary	1	5	1	1	1	0.481	8	39.22	digital_wallet	ussd_payment,bank_transfer	education,utilities,government_services,bill_split	none	0.692	0.196	low_burden
Mali	2,023	rural	female	43	35-44	fourth	primary	0	8	0	1	0	0.107	0	0	cash	none	none	technical_problems	0	0.701	low_burden
Mali	2,021	urban	male	27	25-34	highest	none	1	10	1	1	1	0.446	7	80.92	online_payment	card_payment,qr_code	government_services,entertainment	none	0.362	0.388	low_burden
Niger	2,020	rural	male	36	35-44	fourth	none	1	6	0	1	1	0.062	4	36.48	digital_wallet	qr_code,digital_wallet,ussd_payment	education,government_services,groceries,bill_split	none	0.568	0.441	low_burden
Mali	2,019	rural	male	64	55+	second	secondary	0	3	0	0	0	0.05	0	0	cash	none	none	no_internet	0	0.914	low_burden
Zambia	2,020	urban	female	19	15-24	second	tertiary	1	8	1	1	1	0.4	6	63.97	mobile_money	ussd_payment,digital_wallet	government_services,bill_split,business_to_business,education,utilities	none	0.856	0.177	low_burden
Uganda	2,019	rural	female	57	55+	second	primary	1	6	1	1	0	0.07	0	0	cash	none	none	high_fees	0	0.533	low_burden
DRC	2,019	urban	male	19	15-24	second	secondary	0	10	1	0	0	0.32	0	0	cash	none	none	high_fees	0	0.655	low_burden
Malawi	2,023	rural	female	40	35-44	fourth	secondary	1	8	0	0	1	0.191	6	66	bank_transfer	bank_transfer,digital_wallet	entertainment,education,groceries,transport	none	0.94	0.198	low_burden
Zambia	2,019	urban	male	51	45-54	fourth	tertiary	1	9	0	0	1	0.245	2	26.03	mobile_money	online_payment,qr_code	healthcare,education,business_to_business,government_services,bill_split	none	0.891	0.313	low_burden
Ethiopia	2,018	urban	male	67	55+	lowest	secondary	1	9	1	1	0	0.357	0	0	cash	none	none	trust_issues	0	0.763	low_burden
Nigeria	2,022	urban	female	28	25-34	fourth	primary	0	9	1	0	1	0.296	8	56.15	qr_code	ussd_payment	transport,online_shopping,business_to_business,utilities,bill_split	none	0.813	0.228	low_burden
Mozambique	2,020	rural	male	17	15-24	second	secondary	0	5	1	0	0	0.129	0	0	cash	none	none	trust_issues	0	0.816	low_burden
Mali	2,021	rural	male	56	55+	middle	secondary	0	2	1	1	0	0.123	0	0	cash	none	none	high_fees	0	0.886	low_burden
Rwanda	2,019	rural	female	64	55+	second	tertiary	1	10	0	1	1	0.05	6	36.71	digital_wallet	bank_transfer	groceries,healthcare,education	none	0.773	0.211	low_burden
Malawi	2,019	rural	male	46	45-54	middle	secondary	1	6	0	1	1	0.091	1	60.92	digital_wallet	card_payment,ussd_payment,bank_transfer	business_to_business,education,groceries,transport,bill_split	none	0.756	0.325	low_burden
DRC	2,021	rural	female	18	15-24	fourth	none	1	10	1	1	1	0.121	4	152.13	qr_code	ussd_payment,mobile_money,digital_wallet	online_shopping,entertainment,bill_split,healthcare,business_to_business	none	0.744	0.381	low_burden
Senegal	2,023	rural	female	42	35-44	fourth	secondary	0	7	0	0	1	0.3	6	71.21	ussd_payment	card_payment,online_payment,qr_code	entertainment,transport	none	0.927	0.263	low_burden
Malawi	2,021	rural	female	36	35-44	fourth	secondary	0	5	0	0	0	0.089	0	0	cash	none	none	merchant_refusal	0	0.963	low_burden
Malawi	2,022	rural	female	39	35-44	second	primary	0	7	0	1	0	0.108	0	0	cash	none	none	trust_issues	0	0.791	low_burden
Ghana	2,022	urban	male	17	15-24	fourth	tertiary	1	10	1	1	1	0.423	4	36.22	online_payment	digital_wallet,mobile_money	entertainment,online_shopping,bill_split	none	0.854	0.244	low_burden
Uganda	2,020	rural	female	32	25-34	lowest	primary	0	10	0	0	1	0.119	5	14.1	mobile_money	ussd_payment,digital_wallet,mobile_money	groceries,online_shopping	none	0.729	0.173	low_burden
Senegal	2,020	rural	male	69	55+	middle	tertiary	1	5	0	0	0	0.148	0	0	cash	none	none	high_fees	0	0.892	low_burden
Mozambique	2,021	urban	male	17	15-24	middle	primary	1	6	1	1	1	0.313	7	67.18	card_payment	digital_wallet	entertainment,business_to_business,groceries,bill_split	none	0.841	0.538	low_burden
Kenya	2,018	urban	female	65	55+	fourth	none	0	5	1	1	1	0.429	5	36.84	ussd_payment	qr_code,ussd_payment,card_payment	online_shopping,education,business_to_business,transport,healthcare	none	0.785	0.303	low_burden
DRC	2,023	urban	male	43	35-44	highest	secondary	0	3	1	1	1	0.329	12	95.4	mobile_money	ussd_payment	utilities,education,transport,entertainment	none	0.712	0.128	low_burden
DRC	2,022	rural	female	47	45-54	second	secondary	0	5	0	1	0	0.117	0	0	cash	none	none	technical_problems	0	0.604	low_burden
Tanzania	2,020	urban	male	66	55+	fourth	tertiary	1	7	0	0	1	0.312	9	41.02	bank_transfer	ussd_payment	government_services,groceries,business_to_business,bill_split	none	0.743	0.533	low_burden
Rwanda	2,020	rural	female	26	25-34	second	secondary	0	3	0	0	0	0.061	0	0	cash	none	none	merchant_refusal	0	0.635	low_burden
Nigeria	2,020	rural	male	69	55+	middle	none	1	9	1	1	1	0.119	3	29.9	ussd_payment	mobile_money,ussd_payment,digital_wallet	transport,entertainment	none	0.923	0.444	low_burden
Mali	2,023	rural	male	30	25-34	fourth	tertiary	1	9	0	0	1	0.161	6	46.55	online_payment	digital_wallet	online_shopping,entertainment,healthcare,business_to_business,education	none	0.913	0.58	low_burden
Niger	2,024	urban	female	34	25-34	fourth	secondary	1	5	1	0	1	0.479	11	58.5	ussd_payment	card_payment,bank_transfer,digital_wallet	bill_split,business_to_business,government_services,utilities	none	0.895	0.15	low_burden
Ethiopia	2,018	rural	male	39	35-44	highest	primary	1	2	1	0	1	0.057	8	80.34	bank_transfer	card_payment,digital_wallet	online_shopping,business_to_business,education	none	0.725	0.487	low_burden
Uganda	2,021	rural	female	48	45-54	fourth	tertiary	0	8	1	0	0	0.08	0	0	cash	none	none	limited_acceptance	0	0.882	low_burden
South Africa	2,018	urban	male	32	25-34	second	none	1	3	1	1	0	0.449	0	0	cash	none	none	no_account	0	0.658	low_burden
Malawi	2,021	urban	female	58	55+	highest	none	1	3	0	1	1	0.338	8	38.42	bank_transfer	bank_transfer,qr_code	healthcare,government_services,bill_split	none	0.776	0.125	low_burden
Mozambique	2,019	urban	female	16	15-24	highest	secondary	1	7	1	1	1	0.36	8	159.06	mobile_money	qr_code,bank_transfer,ussd_payment	online_shopping,utilities,business_to_business	none	0.92	0.339	low_burden
Niger	2,020	urban	female	51	45-54	second	secondary	0	10	1	1	1	0.389	10	45.17	mobile_money	card_payment,ussd_payment	transport,bill_split,groceries	none	0.777	0.464	low_burden
Mali	2,021	rural	female	51	45-54	lowest	secondary	0	1	0	0	0	0.095	0	0	cash	none	none	preference_cash	0	0.666	low_burden
Mali	2,020	rural	male	44	35-44	second	tertiary	0	7	0	0	0	0.05	0	0	cash	none	none	no_internet	0	0.911	low_burden
Nigeria	2,021	rural	female	48	45-54	fourth	primary	1	6	1	1	1	0.113	4	57.94	mobile_money	ussd_payment,qr_code	healthcare,transport	none	0.827	0.337	low_burden
Ethiopia	2,024	rural	female	56	55+	highest	tertiary	1	4	1	1	1	0.236	3	161.11	mobile_money	ussd_payment,bank_transfer	business_to_business,online_shopping,government_services	none	0.968	0.378	low_burden
Zambia	2,024	rural	female	64	55+	fourth	none	1	6	0	0	1	0.163	6	75.69	ussd_payment	mobile_money	utilities,transport	none	0.902	0.09	low_burden
Zambia	2,018	rural	female	27	25-34	second	none	0	8	0	1	0	0.05	0	0	cash	none	none	trust_issues	0	0.847	low_burden
Kenya	2,021	rural	female	41	35-44	lowest	primary	1	2	1	1	1	0.09	5	23.43	qr_code	card_payment	government_services,healthcare	none	0.936	0.602	low_burden
Senegal	2,024	urban	female	45	35-44	middle	none	0	10	1	1	1	0.559	5	41.2	mobile_money	qr_code,digital_wallet,bank_transfer	transport,groceries,bill_split	none	0.96	0.156	low_burden
Nigeria	2,022	rural	male	33	25-34	second	primary	0	4	0	1	1	0.139	2	37.9	mobile_money	qr_code,card_payment,ussd_payment	bill_split,online_shopping,government_services,business_to_business,groceries	none	0.806	0.499	low_burden
Mali	2,019	urban	female	68	55+	lowest	tertiary	0	6	0	1	0	0.166	0	0	cash	none	none	trust_issues	0	0.627	low_burden
Niger	2,022	rural	female	43	35-44	lowest	secondary	0	1	1	1	0	0.152	0	0	cash	none	none	preference_cash	0	0.95	low_burden
Mozambique	2,019	rural	female	47	45-54	lowest	secondary	1	6	0	0	0	0.059	0	0	cash	none	none	high_fees	0	0.97	low_burden
Mali	2,018	rural	male	25	15-24	lowest	none	1	7	0	1	0	0.05	0	0	cash	none	none	trust_issues	0	0.762	low_burden
Ethiopia	2,023	urban	female	37	35-44	fourth	tertiary	1	4	1	1	0	0.34	0	0	cash	none	none	preference_cash	0	0.936	low_burden
South Africa	2,022	rural	female	49	45-54	second	primary	1	3	1	1	1	0.113	2	15.52	bank_transfer	bank_transfer	government_services,education,bill_split,healthcare	none	0.767	0.4	low_burden
Malawi	2,024	urban	female	38	35-44	second	secondary	0	9	0	1	1	0.368	6	22.05	mobile_money	mobile_money,digital_wallet,card_payment	healthcare,education,groceries,online_shopping,government_services	none	0.894	0.282	low_burden
Tanzania	2,020	rural	male	57	55+	middle	secondary	1	8	0	1	1	0.123	6	16.9	online_payment	qr_code	transport,education,online_shopping	none	0.906	0.437	low_burden
Mozambique	2,024	urban	male	22	15-24	highest	none	0	6	1	1	1	0.517	9	47.64	mobile_money	card_payment,ussd_payment	business_to_business,healthcare,entertainment,education	none	0.855	0.228	low_burden
Ethiopia	2,021	rural	male	23	15-24	fourth	secondary	0	8	0	0	1	0.118	5	97.67	mobile_money	card_payment,digital_wallet	business_to_business,utilities,education,healthcare	none	0.957	0.409	low_burden
Uganda	2,023	rural	male	33	25-34	middle	tertiary	1	10	0	1	0	0.129	0	0	cash	none	none	high_fees	0	0.59	low_burden
Zambia	2,018	urban	female	32	25-34	fourth	primary	1	6	0	0	1	0.291	6	64.48	online_payment	online_payment,bank_transfer	transport,education,government_services,entertainment	none	0.954	0.278	low_burden
Mali	2,018	urban	male	59	55+	fourth	secondary	1	3	0	1	1	0.322	9	40.8	bank_transfer	qr_code,digital_wallet	entertainment,transport,online_shopping	none	0.86	0.576	low_burden
Nigeria	2,024	rural	female	62	55+	fourth	tertiary	1	2	0	0	1	0.211	5	32.26	mobile_money	digital_wallet,online_payment,ussd_payment	government_services,online_shopping,utilities	none	0.843	0.089	low_burden
Malawi	2,024	urban	male	40	35-44	middle	primary	0	10	1	0	0	0.551	0	0	cash	none	none	preference_cash	0	0.909	low_burden
Uganda	2,025	urban	male	42	35-44	middle	primary	0	5	1	1	0	0.324	0	0	cash	none	none	preference_cash	0	0.947	low_burden
Niger	2,020	urban	female	31	25-34	second	primary	0	10	1	1	1	0.326	10	13.01	bank_transfer	digital_wallet,online_payment	business_to_business,transport,bill_split,government_services,groceries	none	0.855	0.305	low_burden
Zambia	2,018	urban	female	44	35-44	second	secondary	1	5	1	1	0	0.263	0	0	cash	none	none	technical_problems	0	0.904	low_burden
Tanzania	2,025	rural	male	53	45-54	second	primary	0	8	0	0	0	0.198	0	0	cash	none	none	high_fees	0	0.719	low_burden
Ghana	2,022	rural	male	54	45-54	second	primary	0	4	1	1	0	0.199	0	0	cash	none	none	preference_cash	0	0.8	low_burden
Senegal	2,019	urban	female	68	55+	second	primary	0	8	0	0	1	0.331	2	14.15	digital_wallet	ussd_payment,bank_transfer	groceries,transport,entertainment,education,bill_split	none	0.869	0.104	low_burden
Niger	2,024	rural	female	46	45-54	middle	tertiary	0	10	0	0	0	0.193	0	0	cash	none	none	technical_problems	0	0.729	low_burden
South Africa	2,025	urban	male	33	25-34	middle	tertiary	0	10	1	1	1	0.553	8	25.65	online_payment	digital_wallet,card_payment,bank_transfer	groceries,entertainment,education,bill_split	none	0.996	0.506	low_burden
Malawi	2,020	urban	female	18	15-24	lowest	secondary	1	4	1	0	1	0.138	14	3.8	card_payment	bank_transfer,online_payment,card_payment	government_services,bill_split,entertainment	none	0.921	0.215	low_burden
Nigeria	2,024	rural	male	52	45-54	second	tertiary	0	7	0	1	0	0.242	0	0	cash	none	none	preference_cash	0	0.729	low_burden
DRC	2,024	urban	female	59	55+	second	secondary	1	4	0	0	0	0.474	0	0	cash	none	none	high_fees	0	0.859	low_burden
Rwanda	2,022	rural	male	45	35-44	fourth	tertiary	1	4	0	0	1	0.106	0	82.01	mobile_money	mobile_money,bank_transfer	transport,groceries	none	0.751	0.604	low_burden
Niger	2,023	rural	female	65	55+	second	none	1	9	0	0	1	0.106	6	30.32	mobile_money	ussd_payment	entertainment,bill_split,groceries,healthcare	none	0.874	0.463	low_burden
Uganda	2,020	rural	female	32	25-34	lowest	primary	1	10	1	1	1	0.118	6	19.38	mobile_money	online_payment	education,healthcare,bill_split,business_to_business	none	0.981	0.258	low_burden
Tanzania	2,025	rural	male	17	15-24	lowest	tertiary	1	10	0	0	1	0.191	4	21.61	online_payment	online_payment,card_payment	entertainment,healthcare	none	0.677	0.363	low_burden
Mali	2,025	urban	male	49	45-54	middle	primary	1	10	1	1	1	0.299	11	34.42	ussd_payment	online_payment	healthcare,utilities,entertainment,education,government_services	none	0.899	0.174	low_burden
DRC	2,025	urban	male	21	15-24	lowest	primary	0	7	1	1	1	0.45	6	17.52	digital_wallet	qr_code,online_payment	utilities,entertainment,transport	none	0.958	0.414	low_burden
Malawi	2,023	urban	male	19	15-24	middle	secondary	0	8	0	0	1	0.495	6	34.24	mobile_money	card_payment	education,utilities,bill_split,government_services	none	0.981	0.542	low_burden
DRC	2,018	rural	male	53	45-54	middle	secondary	0	6	0	0	1	0.107	4	72.36	bank_transfer	mobile_money	online_shopping,business_to_business	none	0.734	0.383	low_burden
DRC	2,020	rural	male	38	35-44	highest	primary	0	8	1	0	1	0.064	1	54.72	mobile_money	bank_transfer,online_payment,card_payment	groceries,utilities,entertainment,education,government_services	none	0.949	0.247	low_burden
Ethiopia	2,021	urban	female	48	45-54	middle	primary	1	2	1	1	0	0.397	0	0	cash	none	none	no_internet	0	0.739	low_burden
Mozambique	2,025	urban	male	56	55+	lowest	primary	0	10	1	1	1	0.381	5	23.81	mobile_money	ussd_payment	healthcare,groceries,online_shopping	none	0.923	0.262	low_burden
Tanzania	2,022	urban	female	36	35-44	second	none	0	10	1	1	1	0.403	9	15.11	ussd_payment	mobile_money,bank_transfer,online_payment	online_shopping,utilities,healthcare,government_services,entertainment	none	0.838	0.28	low_burden
Ghana	2,022	rural	male	48	45-54	fourth	primary	1	10	0	0	1	0.159	5	29.13	mobile_money	digital_wallet,card_payment	healthcare,education	none	0.714	0.333	low_burden
Niger	2,019	rural	female	44	35-44	second	secondary	0	6	0	1	0	0.063	0	0	cash	none	none	merchant_refusal	0	0.858	low_burden
Rwanda	2,024	rural	male	46	45-54	highest	secondary	0	5	0	1	1	0.209	3	41.13	ussd_payment	card_payment,bank_transfer	bill_split,business_to_business,government_services,groceries	none	0.701	0.443	low_burden
Nigeria	2,020	rural	female	53	45-54	middle	primary	1	5	0	0	0	0.059	0	0	cash	none	none	trust_issues	0	0.914	low_burden

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