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
DRC	2,018	urban	male	35	25-34	lowest	primary	0	8	1	1	0	0.25	0	0	cash	none	none	preference_cash	0	0.83	low_burden
Nigeria	2,025	rural	male	42	35-44	lowest	secondary	1	4	0	1	1	0.172	4	5.99	card_payment	card_payment,mobile_money,bank_transfer	business_to_business,government_services,education,healthcare	none	0.956	0.149	low_burden
DRC	2,019	rural	female	47	45-54	highest	none	0	8	0	0	0	0.082	0	0	cash	none	none	technical_problems	0	0.695	low_burden
Kenya	2,018	urban	female	22	15-24	highest	primary	0	7	1	1	1	0.234	4	97.62	mobile_money	online_payment	online_shopping,utilities,transport,entertainment,education	none	0.834	0.54	low_burden
Mali	2,018	rural	female	26	25-34	highest	primary	1	4	1	0	1	0.05	5	51.33	mobile_money	card_payment,online_payment	government_services,education,online_shopping,healthcare,transport	none	0.877	0.52	low_burden
Mali	2,021	urban	male	19	15-24	second	secondary	0	10	1	1	1	0.324	10	30.47	digital_wallet	qr_code,bank_transfer,digital_wallet	online_shopping,education,transport,government_services,utilities	none	0.967	0.512	low_burden
Mali	2,018	rural	male	25	15-24	fourth	none	0	5	1	1	1	0.054	3	118.15	mobile_money	digital_wallet,mobile_money,card_payment	groceries,utilities,business_to_business,online_shopping	none	0.603	0.237	low_burden
Rwanda	2,024	rural	female	39	35-44	lowest	primary	1	1	0	0	1	0.144	3	12.49	card_payment	online_payment,card_payment,qr_code	groceries,online_shopping,entertainment,healthcare	none	0.903	0.297	low_burden
Zambia	2,022	rural	female	66	55+	second	secondary	0	6	0	0	0	0.136	0	0	cash	none	none	preference_cash	0	0.646	low_burden
Niger	2,020	rural	female	65	55+	fourth	secondary	0	6	0	0	0	0.074	0	0	cash	none	none	no_internet	0	0.582	low_burden
Tanzania	2,018	urban	male	56	55+	highest	secondary	0	4	1	1	1	0.182	12	103.31	mobile_money	card_payment,bank_transfer,mobile_money	entertainment,groceries,utilities,transport	none	0.609	0.308	low_burden
Mali	2,021	rural	male	45	35-44	second	tertiary	0	2	0	0	0	0.132	0	0	cash	none	none	limited_acceptance	0	0.782	low_burden
Senegal	2,019	rural	female	26	25-34	middle	secondary	1	6	1	1	1	0.127	8	58.6	card_payment	mobile_money,online_payment	bill_split,education,transport	none	0.892	0.445	low_burden
Malawi	2,025	rural	female	34	25-34	lowest	primary	1	9	0	0	0	0.252	0	0	cash	none	none	merchant_refusal	0	0.682	low_burden
Zambia	2,020	rural	male	57	55+	second	primary	0	9	1	1	0	0.12	0	0	cash	none	none	merchant_refusal	0	0.812	low_burden
Senegal	2,021	urban	female	64	55+	lowest	none	1	4	1	0	0	0.364	0	0	cash	none	none	preference_cash	0	0.852	low_burden
Kenya	2,018	rural	female	67	55+	highest	primary	1	5	1	1	1	0.05	5	99.45	bank_transfer	qr_code,digital_wallet,ussd_payment	online_shopping,bill_split	none	0.798	0.305	low_burden
Nigeria	2,019	rural	male	36	35-44	lowest	none	0	10	0	0	1	0.063	7	16.73	mobile_money	online_payment,bank_transfer,qr_code	entertainment,transport,groceries	none	0.936	0.084	low_burden
Ghana	2,019	urban	male	41	35-44	fourth	primary	0	5	1	0	1	0.217	10	22.51	mobile_money	ussd_payment	groceries,utilities	none	0.693	0.089	low_burden
Uganda	2,018	rural	female	43	35-44	second	secondary	0	5	0	0	0	0.077	0	0	cash	none	none	no_internet	0	0.941	low_burden
Malawi	2,023	rural	male	18	15-24	middle	secondary	0	8	0	1	0	0.117	0	0	cash	none	none	merchant_refusal	0	0.931	low_burden
Niger	2,025	rural	female	21	15-24	second	primary	0	6	0	0	0	0.211	0	0	cash	none	none	no_internet	0	0.826	low_burden
Rwanda	2,025	rural	female	17	15-24	second	secondary	0	10	1	0	0	0.159	0	0	cash	none	none	merchant_refusal	0	0.812	low_burden
Zambia	2,020	urban	male	55	45-54	middle	primary	1	5	0	0	1	0.329	9	37.16	mobile_money	bank_transfer	entertainment,education,groceries,transport,utilities	none	0.857	0.615	low_burden
DRC	2,024	rural	female	27	25-34	middle	secondary	1	6	1	0	0	0.169	0	0	cash	none	none	trust_issues	0	0.68	low_burden
Senegal	2,022	urban	male	53	45-54	highest	secondary	1	7	0	0	1	0.518	15	116.83	online_payment	online_payment,qr_code	online_shopping,utilities,business_to_business,entertainment	none	0.899	0.438	low_burden
Uganda	2,018	rural	male	35	25-34	second	primary	1	8	0	0	1	0.102	6	64.11	ussd_payment	card_payment,ussd_payment	online_shopping,government_services,transport	none	0.791	0.213	low_burden
Mali	2,018	rural	female	58	55+	middle	primary	1	4	0	0	0	0.075	0	0	cash	none	none	high_fees	0	0.743	low_burden
Senegal	2,022	rural	female	21	15-24	highest	tertiary	0	5	1	1	0	0.11	0	0	cash	none	none	merchant_refusal	0	0.571	low_burden
Rwanda	2,021	rural	male	32	25-34	second	secondary	0	5	0	0	0	0.097	0	0	cash	none	none	preference_cash	0	0.614	low_burden
Senegal	2,018	rural	female	26	25-34	highest	secondary	0	4	1	1	1	0.089	7	71.68	digital_wallet	card_payment,ussd_payment	business_to_business,utilities,bill_split	none	0.719	0.608	low_burden
Senegal	2,025	rural	female	38	35-44	highest	none	1	2	1	1	1	0.168	8	158.63	card_payment	online_payment,digital_wallet,ussd_payment	business_to_business,government_services,entertainment	none	0.775	0.417	low_burden
Uganda	2,023	rural	female	45	35-44	fourth	primary	1	9	0	1	1	0.17	10	38.29	mobile_money	ussd_payment,mobile_money,card_payment	entertainment,utilities,healthcare,online_shopping	none	0.888	0.329	low_burden
Senegal	2,022	rural	female	24	15-24	middle	primary	1	5	1	1	1	0.123	3	55.8	online_payment	bank_transfer,online_payment,ussd_payment	online_shopping,bill_split,transport,education	none	0.871	0.522	low_burden
Mali	2,025	rural	male	51	45-54	fourth	tertiary	1	4	0	0	1	0.214	7	34.44	online_payment	card_payment,digital_wallet	groceries,education,transport,utilities	none	0.951	0.225	low_burden
Tanzania	2,025	urban	male	68	55+	middle	none	1	10	0	0	1	0.51	9	37.26	mobile_money	card_payment,digital_wallet	online_shopping,education,healthcare,business_to_business	none	0.93	0.18	low_burden
Rwanda	2,025	rural	female	17	15-24	middle	primary	0	9	1	0	1	0.266	2	25.24	mobile_money	bank_transfer,ussd_payment,mobile_money	online_shopping,healthcare	none	0.593	0.534	low_burden
Kenya	2,020	rural	male	19	15-24	highest	tertiary	1	5	1	0	1	0.089	4	86.42	card_payment	online_payment,ussd_payment	utilities,transport	none	0.783	0.396	low_burden
Ethiopia	2,025	rural	female	67	55+	second	primary	0	4	0	0	0	0.227	0	0	cash	none	none	preference_cash	0	0.871	low_burden
Malawi	2,022	rural	male	50	45-54	fourth	primary	1	9	0	0	1	0.135	7	52.34	bank_transfer	qr_code	education,entertainment,government_services	none	0.88	0.392	low_burden
South Africa	2,023	urban	male	65	55+	middle	secondary	0	4	1	1	1	0.455	12	36.66	bank_transfer	digital_wallet	healthcare,entertainment,business_to_business,bill_split	none	0.729	0.505	low_burden
Ghana	2,024	rural	male	53	45-54	lowest	primary	0	9	0	0	0	0.174	0	0	cash	none	none	preference_cash	0	0.849	low_burden
Tanzania	2,019	urban	male	54	45-54	middle	tertiary	0	9	0	1	0	0.217	0	0	cash	none	none	no_account	0	0.822	low_burden
Malawi	2,021	urban	male	23	15-24	fourth	none	1	9	1	1	1	0.237	4	35.1	online_payment	online_payment,bank_transfer,card_payment	online_shopping,education,groceries	none	0.695	0.363	low_burden
South Africa	2,019	rural	female	43	35-44	middle	secondary	0	6	1	0	1	0.067	4	34.18	online_payment	qr_code,ussd_payment,mobile_money	government_services,groceries,bill_split,entertainment,transport	none	0.845	0.65	low_burden
DRC	2,020	urban	female	35	25-34	fourth	primary	1	2	0	1	1	0.45	3	61.98	mobile_money	qr_code	utilities,groceries,business_to_business	none	0.844	0.156	low_burden
Kenya	2,021	urban	male	60	55+	second	secondary	0	10	1	0	1	0.297	8	22.02	ussd_payment	online_payment,mobile_money	bill_split,government_services,healthcare	none	0.754	0.348	low_burden
Ghana	2,024	rural	male	17	15-24	highest	secondary	1	7	1	1	1	0.154	2	55.74	mobile_money	ussd_payment,card_payment,qr_code	transport,utilities	none	0.879	0.264	low_burden
DRC	2,024	rural	female	15	15-24	middle	secondary	0	3	1	1	0	0.216	0	0	cash	none	none	no_internet	0	0.597	low_burden
Kenya	2,021	urban	male	45	35-44	fourth	tertiary	0	10	1	0	1	0.392	13	35.89	mobile_money	card_payment,qr_code,mobile_money	business_to_business,groceries,healthcare	none	0.738	0.373	low_burden
DRC	2,020	urban	female	68	55+	second	secondary	0	4	1	1	0	0.573	0	0	cash	none	none	no_internet	0	0.689	low_burden
Tanzania	2,022	rural	female	69	55+	second	none	0	4	0	0	0	0.117	0	0	cash	none	none	preference_cash	0	0.884	low_burden
Mozambique	2,025	rural	female	47	45-54	highest	none	1	7	0	0	1	0.245	4	141.27	bank_transfer	qr_code,digital_wallet	online_shopping,education	none	0.903	0.314	low_burden
Tanzania	2,025	rural	female	38	35-44	lowest	primary	0	3	1	1	1	0.184	2	15.79	online_payment	online_payment,card_payment,ussd_payment	online_shopping,business_to_business,bill_split	none	0.814	0.351	low_burden
Malawi	2,019	rural	female	30	25-34	second	primary	1	2	1	0	0	0.05	0	0	cash	none	none	merchant_refusal	0	0.854	low_burden
Rwanda	2,019	urban	female	69	55+	fourth	primary	1	5	0	0	1	0.344	8	104.97	bank_transfer	mobile_money,bank_transfer,qr_code	transport,business_to_business	none	0.833	0.475	low_burden
Uganda	2,023	rural	female	25	15-24	fourth	secondary	1	8	1	1	1	0.164	2	46.25	card_payment	bank_transfer	business_to_business,groceries,education,healthcare,entertainment	none	0.684	0.116	low_burden
Senegal	2,020	urban	male	21	15-24	highest	secondary	1	7	1	1	1	0.269	12	79.89	qr_code	ussd_payment,digital_wallet	business_to_business,bill_split,groceries,healthcare,entertainment	none	0.61	0.302	low_burden
Zambia	2,019	rural	male	42	35-44	fourth	tertiary	1	9	0	0	1	0.122	5	68.28	bank_transfer	online_payment,ussd_payment,mobile_money	business_to_business,transport	none	0.372	0.649	low_burden
Mali	2,018	urban	male	36	35-44	highest	primary	0	2	1	1	1	0.179	6	113.53	qr_code	digital_wallet,qr_code,card_payment	bill_split,transport,healthcare,education,groceries	none	0.932	0.393	low_burden
South Africa	2,021	rural	male	42	35-44	middle	secondary	1	3	1	0	1	0.119	4	68.31	card_payment	ussd_payment	transport,education,bill_split,online_shopping,government_services	none	0.925	0.402	low_burden
Rwanda	2,021	urban	female	64	55+	middle	secondary	0	4	1	1	0	0.433	0	0	cash	none	none	limited_acceptance	0	0.949	low_burden
Malawi	2,022	rural	male	29	25-34	fourth	tertiary	1	3	0	0	0	0.113	0	0	cash	none	none	no_internet	0	0.853	low_burden
Malawi	2,019	urban	male	63	55+	fourth	secondary	0	8	0	0	0	0.324	0	0	cash	none	none	merchant_refusal	0	0.801	low_burden
Malawi	2,023	rural	male	26	25-34	lowest	primary	1	4	0	0	0	0.155	0	0	cash	none	none	high_fees	0	0.864	low_burden
DRC	2,023	urban	female	32	25-34	second	none	1	7	1	1	1	0.419	10	8.79	mobile_money	ussd_payment,bank_transfer,card_payment	transport,groceries,education,government_services	none	0.951	0.168	low_burden
Tanzania	2,021	urban	female	15	15-24	middle	tertiary	0	10	1	1	0	0.303	0	0	cash	none	none	merchant_refusal	0	0.752	low_burden
Nigeria	2,019	urban	female	52	45-54	fourth	secondary	0	4	1	1	1	0.273	6	66.23	mobile_money	online_payment	bill_split,education,healthcare,business_to_business,government_services	none	0.692	0.246	low_burden
Ethiopia	2,022	rural	male	62	55+	middle	secondary	0	2	1	0	1	0.14	2	20.55	mobile_money	ussd_payment,digital_wallet	business_to_business,utilities	none	0.86	0.557	low_burden
Kenya	2,023	rural	male	63	55+	fourth	secondary	1	10	1	1	1	0.165	3	49.06	mobile_money	digital_wallet	online_shopping,healthcare,government_services,groceries,education	none	0.686	0.448	low_burden
Uganda	2,020	rural	female	24	15-24	fourth	secondary	0	5	1	1	1	0.143	4	29.95	mobile_money	ussd_payment,online_payment	bill_split,groceries,transport	none	0.947	0.071	low_burden
Uganda	2,020	rural	female	57	55+	second	secondary	0	3	0	0	0	0.067	0	0	cash	none	none	technical_problems	0	0.654	low_burden
Mali	2,022	rural	female	22	15-24	middle	tertiary	0	10	0	0	0	0.105	0	0	cash	none	none	preference_cash	0	0.496	low_burden
Niger	2,020	urban	female	49	45-54	middle	tertiary	1	4	1	1	1	0.328	4	38.93	online_payment	ussd_payment	business_to_business,entertainment,utilities	none	0.865	0.639	low_burden
Niger	2,021	rural	male	53	45-54	lowest	primary	1	4	1	1	0	0.104	0	0	cash	none	none	no_internet	0	0.776	low_burden
Malawi	2,020	rural	female	23	15-24	middle	none	1	3	1	0	0	0.082	0	0	cash	none	none	no_internet	0	0.915	low_burden
Niger	2,020	rural	female	21	15-24	middle	none	0	10	0	0	1	0.058	3	20.51	mobile_money	ussd_payment	groceries,utilities,entertainment	none	0.894	0.318	low_burden
Nigeria	2,023	rural	female	19	15-24	fourth	primary	1	4	0	1	1	0.178	4	20.16	online_payment	online_payment,mobile_money,card_payment	online_shopping,business_to_business,groceries,healthcare	none	0.804	0.241	low_burden
Mozambique	2,021	rural	female	53	45-54	second	secondary	1	6	1	1	1	0.11	3	14.52	mobile_money	card_payment	education,transport,bill_split,entertainment,healthcare	none	0.958	0.404	low_burden
Zambia	2,021	rural	male	48	45-54	lowest	secondary	0	6	0	0	0	0.104	0	0	cash	none	none	preference_cash	0	0.802	low_burden
South Africa	2,023	rural	male	21	15-24	middle	primary	0	6	0	0	1	0.22	4	61.8	mobile_money	online_payment	education,government_services	none	0.919	0.308	low_burden
Nigeria	2,020	urban	female	42	35-44	fourth	primary	0	2	1	1	0	0.424	0	0	cash	none	none	trust_issues	0	0.954	low_burden
Zambia	2,018	rural	female	58	55+	middle	secondary	0	3	1	0	0	0.054	0	0	cash	none	none	trust_issues	0	0.974	low_burden
Niger	2,024	rural	male	28	25-34	second	secondary	1	10	0	0	1	0.198	5	36.17	mobile_money	bank_transfer,qr_code	education,business_to_business,healthcare	none	0.956	0.298	low_burden
Zambia	2,018	rural	male	48	45-54	highest	secondary	0	6	1	1	0	0.061	0	0	cash	none	none	high_fees	0	0.782	low_burden
Malawi	2,022	rural	female	31	25-34	lowest	none	1	10	1	0	0	0.147	0	0	cash	none	none	preference_cash	0	0.878	low_burden
Nigeria	2,020	urban	male	29	25-34	second	primary	1	8	1	1	1	0.371	10	48.8	bank_transfer	digital_wallet,card_payment,ussd_payment	utilities,entertainment	none	0.938	0.319	low_burden
Ethiopia	2,019	urban	male	36	35-44	second	secondary	1	5	1	1	1	0.258	9	9.71	qr_code	online_payment,card_payment,mobile_money	entertainment,bill_split,utilities,online_shopping,business_to_business	none	0.884	0.344	low_burden
Ghana	2,018	urban	female	34	25-34	fourth	secondary	1	6	0	1	1	0.228	7	126.91	mobile_money	mobile_money	utilities,bill_split,healthcare,groceries	none	0.647	0.453	low_burden
Tanzania	2,025	rural	female	42	35-44	fourth	secondary	0	8	0	0	0	0.218	0	0	cash	none	none	merchant_refusal	0	0.849	low_burden
Niger	2,021	urban	female	26	25-34	lowest	tertiary	0	6	0	0	0	0.394	0	0	cash	none	none	trust_issues	0	0.76	low_burden
Rwanda	2,020	rural	female	36	35-44	fourth	none	1	6	0	0	1	0.125	4	171.64	mobile_money	ussd_payment,qr_code	utilities,transport,groceries	none	0.8	0.467	low_burden
Rwanda	2,023	rural	male	49	45-54	fourth	primary	1	10	0	0	1	0.154	6	30.9	mobile_money	digital_wallet,online_payment	utilities,business_to_business	none	0.661	0.409	low_burden
Ethiopia	2,018	rural	female	36	35-44	highest	primary	1	9	1	1	1	0.069	7	103.68	mobile_money	digital_wallet,ussd_payment,online_payment	transport,business_to_business	none	0.586	0.459	low_burden
South Africa	2,022	urban	female	51	45-54	highest	primary	1	5	0	0	1	0.411	10	62.85	ussd_payment	mobile_money,digital_wallet,qr_code	utilities,healthcare,groceries,business_to_business,bill_split	none	0.898	0.178	low_burden
Uganda	2,021	rural	female	21	15-24	fourth	primary	0	4	1	1	1	0.203	3	76.9	mobile_money	card_payment,ussd_payment,mobile_money	education,business_to_business,online_shopping,groceries	none	0.677	0.495	low_burden
Ethiopia	2,022	urban	female	22	15-24	lowest	none	0	9	1	1	0	0.502	0	0	cash	none	none	trust_issues	0	0.691	low_burden
Uganda	2,018	rural	male	62	55+	second	none	1	7	0	0	0	0.069	0	0	cash	none	none	no_internet	0	0.946	low_burden
Ethiopia	2,025	urban	male	40	35-44	highest	secondary	1	9	0	1	1	0.545	6	195.9	digital_wallet	mobile_money	business_to_business,transport,healthcare,bill_split,government_services	none	0.943	0.379	low_burden
South Africa	2,019	urban	male	48	45-54	middle	none	0	2	1	1	0	0.463	0	0	cash	none	none	no_internet	0	0.742	low_burden

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