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
South Africa	2,021	rural	female	45	35-44	lowest	secondary	1	6	0	0	1	0.133	3	8.06	bank_transfer	ussd_payment,mobile_money,card_payment	transport,business_to_business,education,groceries,government_services	none	0.781	0.465	low_burden
Mali	2,018	rural	male	61	55+	second	primary	0	9	1	1	0	0.057	0	0	cash	none	none	no_internet	0	0.966	low_burden
Tanzania	2,021	urban	female	29	25-34	highest	none	0	7	1	0	1	0.473	6	89.39	qr_code	card_payment,online_payment,ussd_payment	government_services,online_shopping,education,healthcare,entertainment	none	0.879	0.202	low_burden
South Africa	2,025	urban	female	56	55+	fourth	none	0	3	1	1	1	0.46	5	19.14	mobile_money	bank_transfer,online_payment	utilities,business_to_business	none	0.871	0.45	low_burden
Zambia	2,020	rural	female	33	25-34	highest	primary	1	7	0	1	1	0.059	5	89.25	qr_code	digital_wallet	entertainment,utilities	none	0.868	0.437	low_burden
Zambia	2,025	rural	female	49	45-54	highest	secondary	0	7	1	0	1	0.256	4	91.46	mobile_money	bank_transfer	groceries,healthcare,bill_split,business_to_business,government_services	none	0.804	0.225	low_burden
Malawi	2,020	rural	male	42	35-44	second	primary	0	10	0	0	0	0.074	0	0	cash	none	none	trust_issues	0	0.905	low_burden
Nigeria	2,019	urban	female	64	55+	middle	primary	0	3	0	0	1	0.273	4	28.01	mobile_money	qr_code,ussd_payment	business_to_business,utilities,healthcare	none	0.838	0.415	low_burden
South Africa	2,020	rural	female	29	25-34	second	none	1	10	0	0	1	0.08	6	42.85	card_payment	qr_code,ussd_payment,digital_wallet	government_services,healthcare,transport,bill_split,entertainment	none	0.974	0.394	low_burden
Kenya	2,020	urban	female	43	35-44	fourth	secondary	1	10	0	1	1	0.285	8	21.11	qr_code	qr_code,digital_wallet	utilities,entertainment,online_shopping,education	none	0.932	0.573	low_burden
Nigeria	2,018	urban	female	24	15-24	second	secondary	1	10	0	0	1	0.434	9	27.18	mobile_money	bank_transfer,qr_code	business_to_business,transport,groceries,entertainment	none	0.725	0.143	low_burden
Ghana	2,022	urban	female	49	45-54	lowest	secondary	0	4	1	1	0	0.27	0	0	cash	none	none	merchant_refusal	0	0.951	low_burden
Tanzania	2,020	rural	female	17	15-24	lowest	tertiary	0	5	1	0	0	0.062	0	0	cash	none	none	technical_problems	0	0.853	low_burden
Uganda	2,023	urban	male	37	35-44	fourth	none	0	6	0	0	1	0.383	8	57.59	mobile_money	digital_wallet,online_payment	healthcare,online_shopping,business_to_business	none	0.769	0.153	low_burden
Kenya	2,021	urban	male	15	15-24	lowest	none	1	4	1	0	1	0.458	4	15.38	ussd_payment	card_payment,mobile_money	utilities,government_services,transport,online_shopping	none	0.843	0.699	low_burden
Niger	2,021	rural	female	33	25-34	middle	secondary	0	8	1	0	0	0.081	0	0	cash	none	none	preference_cash	0	0.876	low_burden
South Africa	2,021	rural	female	41	35-44	highest	primary	0	8	0	0	0	0.103	0	0	cash	none	none	merchant_refusal	0	0.894	low_burden
Uganda	2,019	urban	female	33	25-34	fourth	secondary	1	7	1	1	1	0.397	7	96.58	card_payment	qr_code	transport,utilities,education,groceries	none	0.725	0.27	low_burden
Tanzania	2,023	urban	male	36	35-44	second	secondary	1	8	0	0	1	0.36	10	18.79	mobile_money	ussd_payment,qr_code	bill_split,utilities,education	none	0.747	0.412	low_burden
Zambia	2,018	rural	male	23	15-24	lowest	none	1	9	0	0	0	0.064	0	0	cash	none	none	trust_issues	0	0.953	low_burden
Mozambique	2,023	urban	male	54	45-54	highest	tertiary	0	10	0	1	1	0.393	9	82.07	mobile_money	card_payment	utilities,online_shopping,groceries,healthcare,transport	none	0.744	0.327	low_burden
Niger	2,025	urban	female	58	55+	middle	none	1	8	1	1	0	0.526	0	0	cash	none	none	high_fees	0	0.95	low_burden
Mali	2,024	rural	female	40	35-44	second	secondary	1	3	1	0	1	0.207	2	27.35	mobile_money	ussd_payment,digital_wallet,mobile_money	education,online_shopping	none	0.947	0.598	low_burden
Senegal	2,021	urban	female	18	15-24	highest	primary	0	4	1	1	0	0.399	0	0	cash	none	none	trust_issues	0	0.891	low_burden
Malawi	2,020	rural	male	18	15-24	lowest	secondary	0	10	0	1	0	0.05	0	0	cash	none	none	merchant_refusal	0	0.555	low_burden
Nigeria	2,024	urban	female	52	45-54	second	none	0	9	1	1	1	0.464	6	21.3	mobile_money	mobile_money,qr_code	online_shopping,utilities,groceries,business_to_business	none	0.933	0.466	low_burden
DRC	2,020	urban	female	66	55+	lowest	tertiary	0	10	0	1	0	0.414	0	0	cash	none	none	preference_cash	0	0.856	low_burden
DRC	2,021	urban	male	62	55+	lowest	tertiary	0	7	0	1	0	0.318	0	0	cash	none	none	technical_problems	0	0.627	low_burden
Kenya	2,024	urban	female	37	35-44	second	secondary	0	3	0	1	0	0.327	0	0	cash	none	none	no_internet	0	0.637	low_burden
Niger	2,025	urban	female	42	35-44	fourth	secondary	0	7	1	0	1	0.339	4	23.8	ussd_payment	mobile_money,bank_transfer,qr_code	transport,online_shopping,entertainment,utilities,business_to_business	none	0.896	0.292	low_burden
Uganda	2,025	urban	male	23	15-24	second	secondary	1	9	1	1	1	0.374	10	55.29	online_payment	bank_transfer	utilities,groceries	none	0.865	0.5	low_burden
Mali	2,018	rural	male	18	15-24	fourth	secondary	0	4	0	1	0	0.055	0	0	cash	none	none	high_fees	0	0.721	low_burden
DRC	2,025	rural	female	57	55+	fourth	secondary	0	5	0	0	0	0.263	0	0	cash	none	none	preference_cash	0	0.93	low_burden
Uganda	2,018	urban	female	38	35-44	highest	secondary	0	6	0	1	1	0.255	6	58.16	mobile_money	digital_wallet,online_payment,ussd_payment	business_to_business,transport,utilities,entertainment	none	0.622	0.289	low_burden
Malawi	2,022	rural	female	42	35-44	lowest	tertiary	1	4	1	0	0	0.113	0	0	cash	none	none	high_fees	0	0.723	low_burden
Uganda	2,025	rural	female	33	25-34	fourth	secondary	1	10	0	0	1	0.196	7	35.61	ussd_payment	mobile_money,qr_code	groceries,business_to_business	none	0.723	0.667	low_burden
Senegal	2,023	rural	male	32	25-34	lowest	primary	1	6	0	1	1	0.132	0	5.12	mobile_money	bank_transfer	transport,groceries,education,bill_split,government_services	none	0.981	0.361	low_burden
Mozambique	2,025	urban	female	69	55+	fourth	tertiary	1	10	1	0	1	0.484	11	53.72	ussd_payment	mobile_money,qr_code	online_shopping,entertainment,transport	none	0.937	0.135	low_burden
Uganda	2,020	urban	female	59	55+	second	primary	1	2	0	1	1	0.35	8	28.28	ussd_payment	bank_transfer,qr_code	groceries,education,utilities,business_to_business,entertainment	none	0.923	0.404	low_burden
Ethiopia	2,020	urban	male	53	45-54	fourth	none	1	10	1	1	1	0.296	8	97.75	online_payment	mobile_money,ussd_payment	transport,online_shopping,entertainment	none	0.952	0.503	low_burden
South Africa	2,020	urban	female	36	35-44	lowest	tertiary	1	9	0	0	1	0.431	11	13.04	mobile_money	online_payment,qr_code,ussd_payment	government_services,bill_split	none	0.968	0.398	low_burden
Tanzania	2,020	urban	male	54	45-54	middle	primary	0	9	1	1	1	0.548	14	39.73	mobile_money	online_payment	business_to_business,bill_split,utilities,groceries	none	0.756	0.366	low_burden
Uganda	2,023	rural	male	33	25-34	lowest	none	0	4	0	1	0	0.127	0	0	cash	none	none	limited_acceptance	0	0.782	low_burden
Zambia	2,021	rural	male	43	35-44	lowest	secondary	0	1	0	1	0	0.105	0	0	cash	none	none	no_account	0	0.577	low_burden
Zambia	2,023	urban	female	22	15-24	middle	secondary	1	5	1	1	1	0.242	9	57.74	bank_transfer	qr_code,online_payment	transport,entertainment	none	0.817	0.275	low_burden
Rwanda	2,021	rural	male	54	45-54	second	none	1	5	0	1	1	0.116	5	51.74	mobile_money	ussd_payment,online_payment	online_shopping,entertainment,transport,healthcare	none	0.805	0.543	low_burden
Tanzania	2,020	urban	male	18	15-24	fourth	primary	1	6	1	1	1	0.314	7	62.94	bank_transfer	mobile_money,bank_transfer,qr_code	entertainment,bill_split,healthcare,business_to_business,education	none	0.856	0.661	low_burden
South Africa	2,019	rural	female	54	45-54	fourth	none	0	2	1	1	0	0.05	0	0	cash	none	none	limited_acceptance	0	0.902	low_burden
Zambia	2,022	rural	male	48	45-54	middle	primary	1	1	0	0	1	0.126	1	29.37	mobile_money	qr_code,mobile_money,ussd_payment	groceries,online_shopping,government_services	none	0.781	0.235	low_burden
Tanzania	2,025	urban	female	18	15-24	fourth	primary	0	9	1	1	1	0.511	14	95.32	ussd_payment	ussd_payment,qr_code,bank_transfer	bill_split,online_shopping,government_services,healthcare,education	none	0.919	0.16	low_burden
South Africa	2,024	rural	female	42	35-44	fourth	none	1	7	0	0	1	0.167	6	96.55	qr_code	digital_wallet	online_shopping,education,transport,entertainment	none	0.813	0.699	low_burden
Mozambique	2,020	rural	male	27	25-34	highest	tertiary	1	4	1	0	1	0.112	1	36.21	bank_transfer	card_payment,digital_wallet	utilities,bill_split	none	0.912	0.322	low_burden
Zambia	2,021	rural	male	41	35-44	lowest	secondary	1	8	1	1	1	0.083	7	18.73	ussd_payment	card_payment,bank_transfer	entertainment,online_shopping,transport	none	0.814	0.173	low_burden
Kenya	2,023	rural	female	15	15-24	middle	secondary	1	10	1	0	1	0.144	4	57.09	mobile_money	mobile_money,qr_code	entertainment,utilities,education	none	0.742	0.37	low_burden
Senegal	2,022	rural	male	54	45-54	fourth	tertiary	1	10	1	0	1	0.171	2	74.92	card_payment	qr_code	transport,utilities,groceries,online_shopping	none	0.923	0.096	low_burden
Senegal	2,018	urban	male	43	35-44	lowest	tertiary	0	4	1	1	0	0.313	0	0	cash	none	none	merchant_refusal	0	0.657	low_burden
Nigeria	2,022	urban	female	34	25-34	second	secondary	1	7	0	1	1	0.414	12	22.66	bank_transfer	card_payment,online_payment	transport,education,groceries,utilities	none	0.883	0.416	low_burden
Rwanda	2,018	rural	female	63	55+	second	primary	1	1	1	0	0	0.05	0	0	cash	none	none	no_account	0	0.507	low_burden
DRC	2,018	urban	female	50	45-54	middle	secondary	1	2	0	0	1	0.208	6	27.55	mobile_money	qr_code,ussd_payment	transport,online_shopping	none	0.886	0.177	low_burden
Uganda	2,023	rural	female	48	45-54	second	secondary	0	9	1	1	0	0.152	0	0	cash	none	none	trust_issues	0	0.833	low_burden
Niger	2,018	rural	female	23	15-24	middle	primary	0	10	0	0	0	0.096	0	0	cash	none	none	merchant_refusal	0	0.857	low_burden
Nigeria	2,020	urban	female	42	35-44	middle	primary	0	4	1	0	1	0.467	15	69.71	mobile_money	online_payment,ussd_payment	groceries,healthcare,bill_split	none	0.862	0.449	low_burden
Mali	2,022	urban	female	53	45-54	middle	primary	0	6	1	1	1	0.472	12	39.57	mobile_money	ussd_payment,mobile_money	education,healthcare,business_to_business	none	0.964	0.714	low_burden
Malawi	2,023	rural	female	65	55+	second	primary	0	1	0	0	0	0.164	0	0	cash	none	none	trust_issues	0	0.793	low_burden
Kenya	2,021	urban	female	48	45-54	fourth	secondary	1	10	1	0	1	0.476	11	47.65	bank_transfer	mobile_money,digital_wallet	bill_split,education,entertainment,groceries	none	0.823	0.078	low_burden
South Africa	2,018	urban	female	24	15-24	middle	primary	0	8	1	1	1	0.217	10	32.63	mobile_money	mobile_money,digital_wallet,card_payment	government_services,education	none	0.779	0.343	low_burden
Nigeria	2,024	urban	male	52	45-54	lowest	primary	0	4	1	1	0	0.207	0	0	cash	none	none	preference_cash	0	0.9	low_burden
Senegal	2,025	rural	female	19	15-24	lowest	none	1	10	0	1	1	0.241	4	15.72	digital_wallet	bank_transfer,digital_wallet	groceries,healthcare,bill_split,online_shopping	none	0.868	0.284	low_burden
Nigeria	2,025	rural	female	32	25-34	second	tertiary	1	4	1	1	1	0.166	4	24.05	mobile_money	qr_code,ussd_payment	online_shopping,transport,education,entertainment	none	0.83	0.219	low_burden
Mozambique	2,023	urban	male	65	55+	highest	primary	0	4	1	1	0	0.501	0	0	cash	none	none	high_fees	0	0.759	low_burden
Mali	2,021	rural	male	59	55+	second	primary	1	8	1	0	1	0.127	3	46.14	bank_transfer	online_payment,ussd_payment	groceries,healthcare,education,online_shopping,government_services	none	0.788	0.275	low_burden
DRC	2,025	urban	female	64	55+	lowest	secondary	1	6	0	1	1	0.48	10	19.58	qr_code	ussd_payment,card_payment,mobile_money	government_services,education,entertainment,transport,utilities	none	0.902	0.299	low_burden
Malawi	2,021	rural	male	34	25-34	lowest	secondary	1	9	0	0	1	0.102	3	18.93	mobile_money	card_payment	bill_split,healthcare	none	0.76	0.293	low_burden
Zambia	2,019	urban	male	52	45-54	lowest	secondary	1	4	1	1	0	0.322	0	0	cash	none	none	preference_cash	0	0.817	low_burden
Rwanda	2,024	rural	male	53	45-54	second	secondary	0	7	0	0	0	0.164	0	0	cash	none	none	preference_cash	0	0.867	low_burden
Mali	2,020	rural	male	28	25-34	fourth	primary	0	7	0	0	1	0.088	4	47.26	mobile_money	ussd_payment,online_payment	healthcare,government_services,entertainment,groceries,business_to_business	none	0.828	0.564	low_burden
DRC	2,025	rural	female	66	55+	second	tertiary	0	2	0	0	0	0.18	0	0	cash	none	none	high_fees	0	0.853	low_burden
Kenya	2,020	urban	male	68	55+	fourth	secondary	1	5	1	1	1	0.313	10	69.74	ussd_payment	mobile_money,qr_code	healthcare,business_to_business,government_services,utilities	none	0.854	0.336	low_burden
Rwanda	2,024	rural	male	21	15-24	lowest	secondary	1	4	0	1	1	0.167	4	10.02	digital_wallet	card_payment,digital_wallet	groceries,bill_split,transport	none	0.838	0.336	low_burden
Uganda	2,022	rural	female	57	55+	second	none	0	6	0	0	1	0.118	3	28.35	mobile_money	ussd_payment,online_payment	utilities,bill_split	none	0.623	0.147	low_burden
Tanzania	2,021	rural	male	39	35-44	fourth	secondary	0	5	0	1	0	0.089	0	0	cash	none	none	trust_issues	0	0.894	low_burden
DRC	2,020	rural	male	52	45-54	fourth	primary	1	5	0	0	1	0.154	2	23.18	ussd_payment	digital_wallet	online_shopping,government_services,bill_split	none	0.832	0.494	low_burden
Ghana	2,024	rural	female	45	35-44	highest	primary	0	2	0	0	0	0.141	0	0	cash	none	none	preference_cash	0	0.811	low_burden
Mali	2,018	urban	female	27	25-34	second	secondary	0	10	1	1	1	0.134	5	22.91	ussd_payment	ussd_payment	education,healthcare,entertainment,bill_split,government_services	none	0.928	0.117	low_burden
Malawi	2,021	rural	female	20	15-24	middle	secondary	0	9	1	1	0	0.086	0	0	cash	none	none	merchant_refusal	0	0.734	low_burden
Ghana	2,020	urban	female	43	35-44	fourth	primary	1	8	1	1	0	0.477	0	0	cash	none	none	preference_cash	0	0.819	low_burden
Ethiopia	2,022	rural	female	61	55+	lowest	tertiary	1	4	0	0	0	0.192	0	0	cash	none	none	merchant_refusal	0	0.582	low_burden
Zambia	2,020	urban	male	60	55+	fourth	primary	0	8	0	0	0	0.262	0	0	cash	none	none	preference_cash	0	0.914	low_burden
Mali	2,023	urban	female	30	25-34	second	secondary	0	5	1	1	0	0.55	0	0	cash	none	none	no_internet	0	0.912	low_burden
Rwanda	2,021	rural	female	62	55+	lowest	none	0	5	0	1	0	0.115	0	0	cash	none	none	limited_acceptance	0	0.964	low_burden
Mozambique	2,019	rural	male	34	25-34	fourth	primary	0	4	0	0	0	0.112	0	0	cash	none	none	limited_acceptance	0	0.766	low_burden
Mozambique	2,019	rural	female	45	35-44	fourth	tertiary	1	5	0	1	1	0.101	6	40.26	mobile_money	card_payment,qr_code,ussd_payment	groceries,business_to_business	none	0.773	0.392	low_burden
Mali	2,023	rural	male	32	25-34	highest	none	0	8	1	0	1	0.118	7	84.87	mobile_money	mobile_money	government_services,education	none	0.647	0.589	low_burden
Rwanda	2,020	urban	female	43	35-44	highest	tertiary	0	6	1	1	1	0.36	8	69.96	ussd_payment	card_payment	transport,government_services	none	0.891	0.49	low_burden
Tanzania	2,020	urban	female	44	35-44	second	primary	0	9	1	1	1	0.28	3	33.58	qr_code	card_payment,online_payment,bank_transfer	business_to_business,healthcare	none	0.881	0.29	low_burden
Malawi	2,023	urban	female	53	45-54	middle	secondary	0	7	1	1	1	0.412	2	24.89	mobile_money	bank_transfer,ussd_payment	bill_split,online_shopping,entertainment,groceries,transport	none	0.812	0.238	low_burden
Uganda	2,020	rural	male	40	35-44	highest	none	1	10	0	0	1	0.079	8	132.94	online_payment	card_payment,ussd_payment,qr_code	online_shopping,utilities,bill_split,transport	none	0.965	0.339	low_burden
Ethiopia	2,021	rural	female	44	35-44	lowest	secondary	0	2	0	1	0	0.151	0	0	cash	none	none	merchant_refusal	0	0.79	low_burden
Mozambique	2,019	rural	female	50	45-54	middle	tertiary	0	10	1	0	0	0.08	0	0	cash	none	none	trust_issues	0	0.954	low_burden
Malawi	2,020	rural	male	37	35-44	highest	secondary	1	2	0	0	1	0.092	5	187.35	bank_transfer	mobile_money,card_payment	online_shopping,healthcare,groceries,education,entertainment	none	0.826	0.637	low_burden

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