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
Rwanda	2,025	rural	female	44	35-44	fourth	tertiary	0	5	1	1	1	0.227	8	75.01	online_payment	online_payment,qr_code	online_shopping,government_services,groceries	none	0.745	0.546	low_burden
Mali	2,025	rural	male	23	15-24	highest	primary	0	6	0	1	1	0.307	1	123.55	mobile_money	mobile_money,bank_transfer	education,groceries,healthcare	none	0.967	0.571	low_burden
Mali	2,020	rural	male	49	45-54	middle	none	1	5	0	0	0	0.056	0	0	cash	none	none	merchant_refusal	0	0.86	low_burden
Nigeria	2,024	rural	female	39	35-44	highest	secondary	0	1	1	1	1	0.185	4	88.45	mobile_money	qr_code,ussd_payment,mobile_money	online_shopping,transport	none	0.668	0.419	low_burden
DRC	2,019	rural	female	69	55+	highest	primary	1	3	1	0	0	0.085	0	0	cash	none	none	no_internet	0	0.891	low_burden
Senegal	2,021	urban	male	63	55+	fourth	none	0	2	0	1	1	0.486	5	22.02	ussd_payment	ussd_payment,qr_code	utilities,groceries,bill_split	none	0.827	0.157	low_burden
Tanzania	2,019	rural	male	48	45-54	lowest	secondary	1	3	0	0	1	0.072	8	10.96	card_payment	bank_transfer,qr_code,mobile_money	bill_split,online_shopping	none	0.619	0.259	low_burden
Zambia	2,021	urban	female	39	35-44	middle	secondary	0	8	0	0	1	0.265	11	15.49	digital_wallet	digital_wallet,mobile_money,ussd_payment	education,transport,entertainment,groceries	none	0.871	0.204	low_burden
South Africa	2,024	urban	male	54	45-54	fourth	tertiary	0	3	1	1	0	0.48	0	0	cash	none	none	merchant_refusal	0	0.945	low_burden
DRC	2,021	rural	male	51	45-54	highest	tertiary	1	3	0	0	0	0.119	0	0	cash	none	none	trust_issues	0	0.956	low_burden
DRC	2,018	rural	male	22	15-24	lowest	secondary	0	7	1	0	0	0.05	0	0	cash	none	none	limited_acceptance	0	0.944	low_burden
Malawi	2,020	urban	female	35	25-34	second	secondary	1	7	0	0	1	0.403	5	34.37	mobile_money	ussd_payment,qr_code,mobile_money	online_shopping,entertainment,bill_split	none	0.769	0.224	low_burden
Mali	2,024	rural	female	69	55+	second	primary	1	9	0	1	1	0.154	4	27.28	bank_transfer	bank_transfer,ussd_payment,card_payment	groceries,online_shopping,utilities,bill_split,entertainment	none	0.656	0.194	low_burden
Ethiopia	2,022	rural	male	32	25-34	second	tertiary	0	8	1	1	0	0.19	0	0	cash	none	none	preference_cash	0	0.906	low_burden
Niger	2,022	urban	male	15	15-24	fourth	secondary	0	10	0	1	0	0.307	0	0	cash	none	none	technical_problems	0	0.548	low_burden
Rwanda	2,021	urban	female	60	55+	lowest	primary	0	9	0	1	0	0.242	0	0	cash	none	none	no_account	0	0.937	low_burden
Ghana	2,020	urban	female	66	55+	second	none	1	7	1	1	1	0.272	10	28.82	ussd_payment	bank_transfer,ussd_payment,card_payment	utilities,transport	none	0.891	0.691	low_burden
Ghana	2,022	rural	female	51	45-54	fourth	secondary	1	4	1	1	1	0.098	5	67.17	bank_transfer	card_payment	bill_split,online_shopping	none	0.817	0.452	low_burden
Kenya	2,023	rural	male	49	45-54	second	secondary	1	2	0	0	1	0.109	7	20.55	mobile_money	mobile_money,qr_code,bank_transfer	groceries,transport,bill_split,government_services	none	0.96	0.371	low_burden
Nigeria	2,025	rural	female	34	25-34	lowest	secondary	0	9	1	0	0	0.152	0	0	cash	none	none	high_fees	0	0.881	low_burden
Malawi	2,022	urban	female	34	25-34	middle	primary	0	10	0	1	0	0.525	0	0	cash	none	none	limited_acceptance	0	0.752	low_burden
Zambia	2,025	rural	female	65	55+	middle	secondary	1	4	1	1	1	0.259	4	18.26	mobile_money	bank_transfer,card_payment,qr_code	utilities,bill_split,healthcare,business_to_business,transport	none	0.911	0.469	low_burden
Nigeria	2,024	rural	male	62	55+	highest	none	1	4	1	1	1	0.178	5	69.29	ussd_payment	card_payment	business_to_business,education,groceries,healthcare,entertainment	none	0.759	0.063	low_burden
Malawi	2,018	rural	female	42	35-44	fourth	secondary	1	1	1	1	0	0.05	0	0	cash	none	none	merchant_refusal	0	0.439	low_burden
Rwanda	2,021	urban	male	32	25-34	highest	primary	1	8	1	0	1	0.304	5	108.19	mobile_money	digital_wallet,online_payment,ussd_payment	business_to_business,groceries,education	none	0.776	0.291	low_burden
Ghana	2,021	rural	male	25	15-24	lowest	primary	1	5	1	1	1	0.082	8	6.69	mobile_money	online_payment,mobile_money	education,transport	none	0.865	0.38	low_burden
Ethiopia	2,018	rural	male	15	15-24	fourth	primary	1	2	1	0	1	0.066	3	57.71	bank_transfer	card_payment,digital_wallet	business_to_business,utilities,transport,bill_split,online_shopping	none	0.908	0.069	low_burden
Ethiopia	2,019	urban	female	41	35-44	middle	primary	1	2	0	0	0	0.186	0	0	cash	none	none	preference_cash	0	0.744	low_burden
Zambia	2,024	urban	male	45	35-44	fourth	primary	1	5	1	0	1	0.488	7	28.63	online_payment	ussd_payment,digital_wallet,card_payment	transport,online_shopping	none	0.985	0.552	low_burden
Ethiopia	2,020	urban	female	52	45-54	second	secondary	1	6	0	0	0	0.334	0	0	cash	none	none	merchant_refusal	0	0.782	low_burden
Mali	2,019	urban	female	59	55+	lowest	primary	0	6	1	0	0	0.512	0	0	cash	none	none	merchant_refusal	0	0.897	low_burden
Tanzania	2,020	rural	female	35	25-34	lowest	secondary	0	8	0	0	0	0.107	0	0	cash	none	none	trust_issues	0	0.749	low_burden
Malawi	2,020	urban	male	24	15-24	fourth	secondary	1	8	1	1	0	0.433	0	0	cash	none	none	preference_cash	0	0.638	low_burden
Ethiopia	2,019	urban	female	61	55+	fourth	none	1	9	0	0	1	0.375	9	70.18	card_payment	card_payment	online_shopping,government_services,transport,healthcare,entertainment	none	0.904	0.367	low_burden
Nigeria	2,018	rural	male	56	55+	lowest	tertiary	0	4	0	1	0	0.1	0	0	cash	none	none	merchant_refusal	0	0.709	low_burden
Niger	2,024	urban	male	44	35-44	middle	secondary	1	4	0	1	1	0.315	6	18.49	bank_transfer	qr_code,card_payment,bank_transfer	business_to_business,entertainment	none	0.72	0.435	low_burden
Ghana	2,024	urban	male	17	15-24	fourth	secondary	1	8	0	0	1	0.286	7	77.31	online_payment	bank_transfer,qr_code,card_payment	groceries,online_shopping,education,entertainment,bill_split	none	0.697	0.228	low_burden
Tanzania	2,021	rural	male	40	35-44	middle	secondary	1	2	1	0	0	0.159	0	0	cash	none	none	preference_cash	0	0.959	low_burden
Mali	2,022	urban	female	49	45-54	second	secondary	1	9	1	1	0	0.307	0	0	cash	none	none	no_account	0	0.732	low_burden
South Africa	2,025	urban	male	62	55+	highest	tertiary	0	4	1	0	1	0.417	5	42.81	mobile_money	digital_wallet,online_payment	business_to_business,utilities,online_shopping	none	0.833	0.417	low_burden
Niger	2,024	urban	male	42	35-44	middle	none	0	10	0	1	0	0.629	0	0	cash	none	none	merchant_refusal	0	0.878	low_burden
Mozambique	2,018	urban	female	40	35-44	fourth	none	1	10	1	0	1	0.187	3	32.49	mobile_money	bank_transfer,qr_code,digital_wallet	education,healthcare,government_services,utilities,business_to_business	none	0.807	0.589	low_burden
DRC	2,025	rural	male	35	25-34	middle	secondary	1	6	0	0	1	0.185	3	49.11	bank_transfer	digital_wallet,bank_transfer	online_shopping,transport,government_services,education,entertainment	none	0.686	0.159	low_burden
Zambia	2,018	urban	male	37	35-44	fourth	primary	0	5	0	1	0	0.348	0	0	cash	none	none	merchant_refusal	0	0.692	low_burden
Mali	2,018	urban	male	15	15-24	lowest	secondary	0	6	1	1	0	0.349	0	0	cash	none	none	preference_cash	0	0.988	low_burden
Tanzania	2,021	rural	male	20	15-24	highest	primary	0	6	1	0	1	0.098	3	78.85	qr_code	ussd_payment,online_payment,bank_transfer	healthcare,entertainment,transport,online_shopping	none	0.929	0.59	low_burden
Malawi	2,023	rural	female	56	55+	second	primary	0	5	0	1	0	0.156	0	0	cash	none	none	merchant_refusal	0	0.716	low_burden
Senegal	2,018	urban	male	34	25-34	fourth	tertiary	1	4	1	0	1	0.283	11	19.53	online_payment	qr_code,mobile_money	business_to_business,online_shopping,transport,utilities	none	0.862	0.25	low_burden
South Africa	2,020	urban	male	61	55+	highest	none	1	3	1	1	1	0.447	8	122.59	qr_code	online_payment,qr_code,mobile_money	bill_split,online_shopping	none	0.917	0.43	low_burden
DRC	2,020	rural	female	36	35-44	middle	primary	1	8	1	1	1	0.143	7	12.14	card_payment	digital_wallet	entertainment,groceries,utilities,healthcare,online_shopping	none	0.86	0.442	low_burden
Zambia	2,021	rural	male	69	55+	middle	secondary	0	1	0	0	0	0.103	0	0	cash	none	none	merchant_refusal	0	0.852	low_burden
Rwanda	2,025	rural	female	24	15-24	lowest	secondary	1	6	0	0	0	0.17	0	0	cash	none	none	trust_issues	0	0.912	low_burden
Ghana	2,020	urban	female	25	15-24	second	secondary	0	10	1	1	1	0.44	6	23.72	ussd_payment	mobile_money	transport,business_to_business,bill_split	none	0.916	0.271	low_burden
DRC	2,019	urban	male	47	45-54	middle	primary	0	2	1	1	0	0.474	0	0	cash	none	none	technical_problems	0	0.76	low_burden
Senegal	2,018	urban	male	59	55+	lowest	tertiary	0	10	0	1	0	0.34	0	0	cash	none	none	no_internet	0	0.913	low_burden
Zambia	2,019	rural	male	22	15-24	lowest	secondary	0	6	1	1	0	0.109	0	0	cash	none	none	trust_issues	0	0.672	low_burden
Mali	2,019	rural	male	42	35-44	highest	secondary	1	5	0	0	1	0.05	7	242.83	mobile_money	digital_wallet,online_payment,card_payment	education,groceries,utilities	none	0.817	0.624	low_burden
Rwanda	2,022	urban	female	27	25-34	second	none	1	10	1	1	1	0.322	8	27.01	online_payment	ussd_payment	online_shopping,healthcare,utilities	none	0.822	0.204	low_burden
Uganda	2,021	rural	female	55	45-54	second	primary	0	8	0	0	0	0.207	0	0	cash	none	none	merchant_refusal	0	0.784	low_burden
Tanzania	2,021	urban	male	45	35-44	second	secondary	0	6	0	0	1	0.286	7	21.78	bank_transfer	ussd_payment,bank_transfer	government_services,groceries,bill_split,healthcare,online_shopping	none	0.883	0.174	low_burden
Nigeria	2,024	rural	male	50	45-54	middle	secondary	0	1	0	0	1	0.18	3	33.76	mobile_money	qr_code	healthcare,utilities,entertainment,business_to_business,online_shopping	none	0.761	0.355	low_burden
Mali	2,022	rural	male	29	25-34	middle	none	0	10	0	1	0	0.163	0	0	cash	none	none	merchant_refusal	0	0.716	low_burden
Kenya	2,019	rural	female	30	25-34	fourth	secondary	0	2	0	0	1	0.069	4	30.24	qr_code	card_payment,qr_code,mobile_money	online_shopping,healthcare,groceries,utilities,entertainment	none	0.767	0.383	low_burden
Ghana	2,021	urban	female	50	45-54	middle	secondary	1	10	1	1	1	0.36	8	38.15	mobile_money	ussd_payment,online_payment,digital_wallet	healthcare,education,utilities,online_shopping,entertainment	none	0.821	0.196	low_burden
Senegal	2,020	rural	male	34	25-34	lowest	primary	1	6	0	0	1	0.102	6	46.51	qr_code	online_payment,qr_code	transport,entertainment,government_services	none	0.964	0.472	low_burden
Niger	2,024	urban	female	52	45-54	middle	secondary	0	7	0	0	1	0.514	7	28.29	mobile_money	ussd_payment,digital_wallet	business_to_business,healthcare,education	none	0.896	0.433	low_burden
Zambia	2,020	rural	male	23	15-24	lowest	primary	0	9	0	0	0	0.088	0	0	cash	none	none	merchant_refusal	0	0.687	low_burden
DRC	2,019	urban	female	31	25-34	fourth	tertiary	0	10	1	1	1	0.188	9	34.8	mobile_money	digital_wallet,qr_code	utilities,healthcare,online_shopping	none	0.892	0.576	low_burden
Mozambique	2,023	rural	female	20	15-24	lowest	secondary	1	3	1	1	0	0.202	0	0	cash	none	none	high_fees	0	0.758	low_burden
Uganda	2,021	urban	female	19	15-24	lowest	secondary	0	10	1	1	1	0.334	6	19.93	ussd_payment	digital_wallet,mobile_money	bill_split,online_shopping,utilities	none	0.765	0.376	low_burden
South Africa	2,018	urban	male	29	25-34	second	tertiary	1	10	1	1	1	0.304	2	37.62	mobile_money	card_payment,bank_transfer,qr_code	government_services,business_to_business,utilities	none	0.938	0.085	low_burden
Rwanda	2,023	urban	male	41	35-44	lowest	secondary	1	5	1	1	1	0.429	5	16.56	bank_transfer	qr_code,ussd_payment,digital_wallet	education,utilities,online_shopping	none	0.715	0.323	low_burden
Rwanda	2,019	urban	female	22	15-24	middle	primary	1	7	1	1	1	0.156	5	29.99	qr_code	digital_wallet,card_payment,ussd_payment	education,groceries,healthcare,bill_split,government_services	none	0.61	0.548	low_burden
Uganda	2,024	urban	male	20	15-24	second	secondary	0	10	0	0	0	0.49	0	0	cash	none	none	merchant_refusal	0	0.696	low_burden
Rwanda	2,024	rural	male	63	55+	highest	tertiary	1	3	1	1	1	0.189	2	113.62	qr_code	mobile_money,card_payment,online_payment	utilities,healthcare,education	none	0.856	0.43	low_burden
Niger	2,020	urban	female	43	35-44	lowest	none	1	7	0	1	0	0.27	0	0	cash	none	none	technical_problems	0	0.665	low_burden
Senegal	2,022	urban	female	54	45-54	middle	secondary	1	9	0	0	1	0.356	13	16.81	mobile_money	online_payment	utilities,healthcare	none	0.79	0.421	low_burden
Uganda	2,022	urban	female	54	45-54	fourth	none	1	7	1	1	1	0.413	10	40.9	mobile_money	digital_wallet	government_services,healthcare	none	0.942	0.359	low_burden
Zambia	2,023	urban	female	20	15-24	lowest	secondary	0	7	1	1	0	0.415	0	0	cash	none	none	trust_issues	0	0.767	low_burden
South Africa	2,018	rural	female	49	45-54	middle	secondary	0	6	1	1	1	0.06	5	11.02	mobile_money	card_payment	government_services,business_to_business,education,utilities,transport	none	0.878	0.344	low_burden
Niger	2,020	rural	male	62	55+	highest	tertiary	0	7	0	0	0	0.08	0	0	cash	none	none	technical_problems	0	0.936	low_burden
Nigeria	2,019	urban	female	39	35-44	fourth	secondary	1	10	1	0	1	0.275	5	49.48	ussd_payment	bank_transfer,mobile_money,digital_wallet	government_services,business_to_business	none	0.811	0.18	low_burden
South Africa	2,023	rural	female	62	55+	highest	none	0	9	1	1	1	0.16	2	77.37	ussd_payment	card_payment,ussd_payment,digital_wallet	bill_split,online_shopping	none	0.733	0.404	low_burden
South Africa	2,018	rural	female	67	55+	fourth	secondary	1	10	1	0	1	0.05	2	88.31	card_payment	mobile_money	transport,groceries,business_to_business,entertainment,education	none	0.931	0.506	low_burden
Nigeria	2,022	rural	male	45	35-44	second	tertiary	0	2	0	1	0	0.12	0	0	cash	none	none	merchant_refusal	0	0.666	low_burden
DRC	2,023	urban	male	20	15-24	highest	primary	0	6	1	1	0	0.381	0	0	cash	none	none	no_account	0	0.935	low_burden
Malawi	2,025	urban	female	48	45-54	lowest	none	1	10	1	1	1	0.533	12	10.26	digital_wallet	qr_code	government_services,business_to_business	none	0.859	0.364	low_burden
Senegal	2,020	rural	male	63	55+	middle	secondary	0	7	0	0	0	0.123	0	0	cash	none	none	preference_cash	0	0.97	low_burden
Malawi	2,018	rural	male	46	45-54	fourth	secondary	1	4	1	0	0	0.149	0	0	cash	none	none	no_internet	0	0.871	low_burden
Mali	2,023	rural	female	59	55+	highest	none	0	7	0	0	1	0.13	4	144.69	mobile_money	card_payment,mobile_money	entertainment,government_services	none	0.776	0.529	low_burden
South Africa	2,018	rural	female	44	35-44	highest	primary	0	5	0	1	1	0.089	2	77.52	qr_code	ussd_payment	transport,entertainment	none	0.761	0.2	low_burden
Mali	2,018	urban	male	38	35-44	lowest	primary	0	10	1	0	0	0.262	0	0	cash	none	none	high_fees	0	0.664	low_burden
Mozambique	2,025	rural	male	67	55+	fourth	secondary	0	6	1	1	0	0.169	0	0	cash	none	none	high_fees	0	0.826	low_burden
South Africa	2,024	rural	male	23	15-24	lowest	primary	1	6	1	1	0	0.147	0	0	cash	none	none	high_fees	0	0.748	low_burden
Uganda	2,023	urban	female	39	35-44	fourth	primary	0	8	0	0	1	0.369	4	71.89	mobile_money	ussd_payment	entertainment,groceries,business_to_business	none	0.905	0.689	low_burden
Ghana	2,024	rural	female	23	15-24	fourth	secondary	0	3	0	0	1	0.175	5	76.8	mobile_money	digital_wallet	bill_split,groceries	none	0.701	0.066	low_burden
Niger	2,018	urban	male	51	45-54	lowest	primary	0	9	1	0	0	0.274	0	0	cash	none	none	high_fees	0	0.764	low_burden
Senegal	2,018	rural	male	65	55+	fourth	secondary	1	3	0	0	1	0.059	3	53.48	mobile_money	online_payment	business_to_business,entertainment,bill_split,groceries	none	0.783	0.354	low_burden
Kenya	2,020	rural	male	69	55+	second	primary	1	1	1	0	0	0.103	0	0	cash	none	none	trust_issues	0	0.832	low_burden
Uganda	2,018	rural	male	27	25-34	middle	primary	0	2	1	1	0	0.05	0	0	cash	none	none	technical_problems	0	0.986	low_burden

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