country,year,urban_rural,gender,age,age_group,income_quintile,account_ownership,active_use,provider,n_transactions_monthly,avg_transaction_value_usd,transaction_types,digital_literacy_score,years_active,scenario
Niger,2020,rural,female,25,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2022,rural,male,55,45-54,middle,1,1,Airtel Money,6,396.16,"international_remittance,airtime_purchase,cash_withdrawal,cash_deposit,savings",8,7,high_burden
DRC,2021,urban,female,72,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2018,urban,female,44,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2023,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2024,rural,male,61,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2025,rural,male,72,55+,second,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2024,urban,female,18,15-24,second,1,1,Vodapay,9,92.86,"savings,airtime_purchase,cash_deposit,person_to_person,loan_repayment",5,9,high_burden
Senegal,2020,rural,male,35,25-34,highest,1,0,Wari,0,0.0,none,6,7,high_burden
Nigeria,2019,rural,male,73,55+,middle,1,0,Paga,0,0.0,none,4,3,high_burden
South Africa,2019,urban,female,69,55+,lowest,1,1,MTN Mobile Money,8,49.99,"international_remittance,merchant_payment,airtime_purchase,cash_deposit",9,10,high_burden
DRC,2024,urban,female,41,35-44,fourth,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2023,urban,male,55,45-54,middle,1,1,Airtel Money,14,345.76,"cash_withdrawal,bill_payment,international_remittance,airtime_purchase,savings",3,4,high_burden
Nigeria,2022,urban,female,52,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2025,urban,female,35,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,4,2,high_burden
Ethiopia,2021,rural,male,69,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Malawi,2025,urban,female,71,55+,fourth,1,1,Airtel Money,14,48.33,"person_to_person,cash_withdrawal,bill_payment,airtime_purchase",3,15,high_burden
Niger,2021,rural,female,63,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mali,2023,rural,female,47,45-54,fourth,1,1,Moov Money,7,50.31,"international_remittance,cash_deposit,merchant_payment,savings,loan_repayment",4,2,high_burden
Rwanda,2018,rural,female,70,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,3,3,high_burden
Malawi,2020,urban,female,40,35-44,fourth,1,1,TNM Mpamba,15,45.94,"cash_deposit,airtime_purchase,bill_payment,merchant_payment",10,3,high_burden
South Africa,2021,rural,female,39,35-44,second,1,0,Vodapay,0,0.0,none,2,5,high_burden
Ethiopia,2019,rural,male,62,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Malawi,2023,urban,female,34,25-34,highest,1,1,TNM Mpamba,11,83.5,"loan_repayment,savings,cash_withdrawal",7,15,high_burden
Malawi,2025,rural,male,21,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2025,rural,female,52,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,5,6,high_burden
South Africa,2020,rural,female,56,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2020,rural,male,42,35-44,middle,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2024,urban,female,17,15-24,fourth,1,0,Wari,0,0.0,none,10,2,high_burden
Niger,2022,rural,female,36,35-44,middle,1,1,Moov Money,17,24.02,"bill_payment,airtime_purchase,savings",1,8,high_burden
Malawi,2021,urban,female,57,55+,second,1,1,Airtel Money,10,83.73,"international_remittance,cash_withdrawal,savings,cash_deposit",5,7,high_burden
Kenya,2020,rural,female,34,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2021,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Mali,2020,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2019,rural,male,35,25-34,middle,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2021,rural,male,72,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2023,urban,male,29,25-34,highest,1,1,Wave,13,127.11,"cash_deposit,cash_withdrawal,airtime_purchase",9,14,high_burden
Zambia,2023,rural,female,72,55+,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2019,rural,male,58,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2023,rural,male,18,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2022,rural,female,72,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2019,rural,female,19,15-24,highest,1,1, PalmPay,6,17.99,"savings,person_to_person,international_remittance",6,6,high_burden
Mali,2025,rural,male,66,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2021,urban,female,48,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2021,rural,male,48,45-54,second,1,0,Airtel Money,0,0.0,none,5,13,high_burden
Uganda,2021,urban,male,72,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Niger,2024,rural,male,65,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2021,urban,female,30,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2022,rural,female,52,45-54,second,1,1,Vodapay,8,268.99,"loan_repayment,bill_payment",5,9,high_burden
Ghana,2019,urban,female,21,15-24,highest,1,1,Vodafone Cash,10,21.53,"bill_payment,cash_deposit",6,7,high_burden
Ghana,2023,rural,female,59,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2023,rural,male,28,25-34,fourth,1,0,Tigo Pesa,0,0.0,none,2,7,high_burden
DRC,2021,urban,male,40,35-44,lowest,1,0,Orange Money,0,0.0,none,5,7,high_burden
South Africa,2023,urban,male,69,55+,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2024,rural,male,52,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,10,13,high_burden
Tanzania,2025,urban,female,70,55+,middle,1,0,M-Pesa,0,0.0,none,10,14,high_burden
Niger,2022,urban,female,36,35-44,middle,1,1,Moov Money,11,194.52,"merchant_payment,loan_repayment,cash_withdrawal",10,7,high_burden
Niger,2025,rural,male,72,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2022,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Mali,2019,urban,male,68,55+,lowest,1,1,Moov Money,14,80.18,"international_remittance,merchant_payment,bill_payment",5,4,high_burden
Rwanda,2024,rural,male,22,15-24,fourth,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2019,rural,female,33,25-34,second,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2022,urban,female,66,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2018,urban,female,15,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2021,urban,male,71,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Mali,2021,rural,female,36,35-44,lowest,1,0,Orange Money,0,0.0,none,9,3,high_burden
Senegal,2021,urban,female,47,45-54,fourth,1,1,Wave,12,45.92,"airtime_purchase,bill_payment,savings,cash_deposit,person_to_person",2,8,high_burden
Malawi,2025,urban,male,50,45-54,fourth,1,1,Airtel Money,11,58.36,"person_to_person,merchant_payment,airtime_purchase,international_remittance,cash_deposit",10,13,high_burden
DRC,2020,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2020,urban,male,54,45-54,fourth,1,1,Tigo Pesa,19,171.8,"savings,cash_deposit,cash_withdrawal",2,7,high_burden
Nigeria,2020,rural,female,57,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2023,urban,male,18,15-24,highest,1,1,AirtelTigo Money,15,169.11,"bill_payment,savings,loan_repayment,merchant_payment,airtime_purchase",10,12,high_burden
Malawi,2022,urban,male,37,35-44,middle,1,0,Airtel Money,0,0.0,none,8,6,high_burden
South Africa,2022,rural,female,55,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2025,urban,female,40,35-44,highest,1,0,Wave,0,0.0,none,7,11,high_burden
Rwanda,2018,rural,male,74,55+,fourth,1,1,MTN Mobile Money,11,149.8,"loan_repayment,airtime_purchase,savings",6,7,high_burden
DRC,2021,rural,male,41,35-44,second,1,1,Orange Money,12,48.75,"loan_repayment,savings,cash_deposit,cash_withdrawal,bill_payment",1,5,high_burden
Zambia,2018,urban,female,25,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2022,rural,male,15,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2023,rural,male,17,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,10,14,high_burden
Tanzania,2019,urban,female,54,45-54,middle,1,1,M-Pesa,10,81.39,"loan_repayment,international_remittance,person_to_person,cash_withdrawal",5,3,high_burden
Mozambique,2020,rural,male,19,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2025,rural,female,60,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2018,urban,female,72,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2024,rural,male,41,35-44,second,0,0,none,0,0.0,none,8,0,high_burden
Mali,2018,rural,male,61,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2019,rural,male,37,35-44,lowest,1,1,M-Pesa,7,130.88,"bill_payment,airtime_purchase,international_remittance,merchant_payment",9,1,high_burden
Mozambique,2020,rural,male,29,25-34,highest,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2022,urban,female,23,15-24,middle,1,1,Tigo Pesa,9,32.19,"merchant_payment,loan_repayment,airtime_purchase,cash_deposit,cash_withdrawal",6,8,high_burden
Ghana,2022,rural,female,21,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2024,urban,male,51,45-54,highest,1,1,M-Pesa,13,135.08,"merchant_payment,international_remittance,savings",10,3,high_burden
South Africa,2018,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2021,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2021,rural,male,34,25-34,middle,1,0,e-Mola,0,0.0,none,6,8,high_burden
Senegal,2021,urban,female,74,55+,highest,1,0,Orange Money,0,0.0,none,4,12,high_burden
Senegal,2018,urban,female,50,45-54,middle,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2023,urban,male,55,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Niger,2023,urban,female,73,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2021,rural,female,64,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2019,urban,male,60,55+,fourth,1,0,M-Pesa,0,0.0,none,9,11,high_burden
Uganda,2018,rural,male,54,45-54,fourth,1,0,Airtel Money,0,0.0,none,2,10,high_burden
Niger,2025,urban,male,20,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2025,rural,female,29,25-34,fourth,1,1,M-Birr,13,146.54,"bill_payment,cash_deposit,international_remittance",4,15,high_burden
Malawi,2023,rural,male,68,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2022,rural,male,40,35-44,highest,1,0,FNB eWallet,0,0.0,none,9,1,high_burden
Tanzania,2025,rural,male,70,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2019,rural,male,46,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Niger,2020,rural,male,60,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
DRC,2022,rural,female,33,25-34,middle,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2023,rural,male,18,15-24,fourth,1,1,telebirr,8,111.96,"bill_payment,cash_deposit",10,2,high_burden
Mozambique,2021,rural,male,51,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2023,rural,female,53,45-54,second,1,0,Airtel Money,0,0.0,none,6,8,high_burden
Ghana,2019,rural,female,33,25-34,highest,0,0,none,0,0.0,none,7,0,high_burden
DRC,2022,rural,male,64,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2021,urban,male,19,15-24,second,1,1,Zamtel Kwacha,12,87.72,"person_to_person,cash_withdrawal,bill_payment,cash_deposit",6,1,high_burden
Tanzania,2020,rural,male,22,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Niger,2023,urban,female,20,15-24,highest,1,1,Moov Money,15,82.26,"airtime_purchase,cash_withdrawal",10,9,high_burden
Ghana,2020,rural,male,54,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2018,urban,male,56,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2022,rural,male,58,55+,fourth,1,1,M-Pesa,5,88.68,"cash_withdrawal,bill_payment,savings",10,5,high_burden
Ghana,2020,rural,female,21,15-24,middle,1,0,AirtelTigo Money,0,0.0,none,3,1,high_burden
Malawi,2023,urban,male,18,15-24,highest,1,1,Airtel Money,17,202.2,"cash_deposit,person_to_person",10,7,high_burden
South Africa,2022,urban,male,61,55+,highest,1,0,MTN Mobile Money,0,0.0,none,6,12,high_burden
Niger,2024,rural,female,29,25-34,lowest,1,1,Airtel Money,10,55.8,"savings,airtime_purchase",8,6,high_burden
Rwanda,2025,urban,female,70,55+,fourth,1,1,MTN Mobile Money,14,89.45,"cash_deposit,airtime_purchase,merchant_payment",8,1,high_burden
Malawi,2021,rural,female,56,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2018,rural,male,17,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Niger,2019,rural,female,71,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2025,urban,female,46,45-54,lowest,1,0,Paga,0,0.0,none,10,7,high_burden
South Africa,2024,urban,female,38,35-44,lowest,1,1,MTN Mobile Money,9,41.4,"cash_deposit,airtime_purchase,person_to_person,merchant_payment,savings",10,13,high_burden
Nigeria,2020,rural,male,60,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2019,rural,male,28,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2018,rural,male,62,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Mali,2023,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2025,rural,female,64,55+,lowest,1,1, PalmPay,4,128.64,"cash_deposit,international_remittance,bill_payment,person_to_person",1,16,high_burden
Zambia,2025,rural,male,45,35-44,highest,1,0,Airtel Money,0,0.0,none,3,1,high_burden
Mozambique,2023,rural,female,55,45-54,highest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2023,rural,male,53,45-54,middle,1,0,TNM Mpamba,0,0.0,none,7,8,high_burden
Mozambique,2025,rural,male,43,35-44,second,1,1,e-Mola,12,16.58,"international_remittance,person_to_person,merchant_payment,cash_deposit,cash_withdrawal",10,5,high_burden
Rwanda,2024,urban,female,74,55+,middle,1,1,Airtel Money,14,91.08,"airtime_purchase,cash_withdrawal",5,7,high_burden
DRC,2022,rural,female,63,55+,lowest,1,0,Orange Money,0,0.0,none,4,10,high_burden
Uganda,2025,rural,male,18,15-24,highest,1,0,Airtel Money,0,0.0,none,9,7,high_burden
Ethiopia,2024,urban,male,27,25-34,lowest,1,0,M-Birr,0,0.0,none,4,4,high_burden
Tanzania,2024,rural,male,56,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2022,rural,male,24,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2022,rural,male,16,15-24,fourth,1,1,Tigo Pesa,13,23.36,"international_remittance,merchant_payment,loan_repayment,cash_deposit,bill_payment",5,12,high_burden
Ethiopia,2025,rural,female,55,45-54,fourth,0,0,none,0,0.0,none,1,0,high_burden
Rwanda,2023,urban,female,25,15-24,middle,1,0,Airtel Money,0,0.0,none,4,5,high_burden
Zambia,2025,urban,male,44,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2024,rural,male,18,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2023,rural,female,45,35-44,lowest,1,0,AirtelTigo Money,0,0.0,none,1,5,high_burden
Kenya,2020,rural,female,60,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2020,rural,female,62,55+,second,1,0,Airtel Money,0,0.0,none,9,12,high_burden
Kenya,2024,rural,female,20,15-24,middle,1,1,M-Pesa,4,66.96,"cash_withdrawal,international_remittance,airtime_purchase",4,6,high_burden
Tanzania,2022,urban,male,25,15-24,second,1,1,Tigo Pesa,15,43.29,"cash_deposit,international_remittance,savings,cash_withdrawal",9,3,high_burden
Mali,2020,rural,male,51,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2023,rural,female,54,45-54,second,0,0,none,0,0.0,none,8,0,high_burden
Niger,2021,rural,male,26,25-34,second,1,0,Airtel Money,0,0.0,none,2,11,high_burden
Nigeria,2022,rural,male,65,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2020,rural,male,34,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2019,rural,male,24,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Niger,2021,urban,female,61,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2020,rural,female,18,15-24,fourth,1,1,MTN Mobile Money,9,38.25,"airtime_purchase,person_to_person,international_remittance,bill_payment,cash_deposit",6,7,high_burden
Kenya,2019,rural,female,60,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2018,rural,female,62,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Niger,2025,urban,female,27,25-34,fourth,1,0,Moov Money,0,0.0,none,9,15,high_burden
Rwanda,2018,rural,male,24,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,3,7,high_burden
Senegal,2024,rural,male,73,55+,fourth,1,0,Orange Money,0,0.0,none,1,4,high_burden
Nigeria,2022,urban,male,65,55+,second,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2023,urban,male,56,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
DRC,2021,urban,female,51,45-54,second,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2024,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
DRC,2025,rural,male,63,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2023,rural,female,71,55+,highest,1,0,MTN Mobile Money,0,0.0,none,1,8,high_burden
Nigeria,2020,urban,female,50,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
DRC,2025,rural,male,64,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Mali,2021,urban,male,29,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2025,urban,female,73,55+,middle,1,1,Airtel Money,13,102.72,"bill_payment,merchant_payment,international_remittance",10,8,high_burden
Ethiopia,2022,rural,male,64,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2019,urban,male,32,25-34,highest,1,1,Zamtel Kwacha,13,47.94,"bill_payment,person_to_person",10,3,high_burden
Mali,2023,rural,male,64,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Niger,2020,urban,male,53,45-54,fourth,1,1,Moov Money,15,82.13,"savings,merchant_payment,person_to_person",2,11,high_burden
Senegal,2023,rural,female,70,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2025,rural,female,37,35-44,second,1,0,Paga,0,0.0,none,3,16,high_burden
Uganda,2018,urban,male,48,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2018,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2019,urban,female,15,15-24,middle,1,0,Wari,0,0.0,none,9,1,high_burden
DRC,2025,rural,male,59,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2020,rural,male,24,15-24,highest,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2020,rural,male,24,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2024,urban,male,68,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2022,rural,female,42,35-44,highest,1,1,M-Pesa,9,116.35,"cash_withdrawal,cash_deposit",7,3,high_burden
Tanzania,2021,rural,female,52,45-54,highest,1,1,Tigo Pesa,2,47.59,"loan_repayment,merchant_payment,bill_payment",9,11,high_burden
DRC,2022,rural,female,71,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2025,urban,female,50,45-54,highest,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2023,urban,male,70,55+,fourth,1,1,M-Pesa,11,86.34,"cash_withdrawal,airtime_purchase,person_to_person,loan_repayment",10,3,high_burden
Zambia,2022,urban,male,50,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Mali,2018,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2025,rural,male,16,15-24,second,1,0,Airtel Money,0,0.0,none,7,12,high_burden
Rwanda,2020,rural,female,32,25-34,lowest,1,0,Airtel Money,0,0.0,none,5,10,high_burden
Tanzania,2023,urban,female,39,35-44,middle,1,1,Tigo Pesa,10,248.87,"cash_deposit,savings,merchant_payment,loan_repayment",10,10,high_burden
Uganda,2024,urban,female,36,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,4,6,high_burden
Zambia,2024,rural,female,70,55+,highest,1,1,Zamtel Kwacha,5,130.38,"merchant_payment,bill_payment,savings,cash_withdrawal,person_to_person",1,13,high_burden
Ghana,2019,rural,male,29,25-34,lowest,1,0,AirtelTigo Money,0,0.0,none,8,3,high_burden
Uganda,2021,urban,male,50,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Mali,2023,rural,female,45,35-44,highest,0,0,none,0,0.0,none,2,0,high_burden
Niger,2025,rural,male,61,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
DRC,2024,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2022,rural,male,54,45-54,highest,1,0,MTN Mobile Money,0,0.0,none,2,1,high_burden
Nigeria,2020,rural,male,45,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Mali,2023,urban,male,41,35-44,fourth,0,0,none,0,0.0,none,8,0,high_burden
Niger,2025,rural,male,43,35-44,second,1,0,Moov Money,0,0.0,none,5,12,high_burden
Ethiopia,2022,rural,male,45,35-44,fourth,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2018,rural,female,49,45-54,second,1,1,Airtel Money,7,203.62,"loan_repayment,international_remittance,bill_payment,cash_withdrawal",10,7,high_burden
Mozambique,2024,rural,male,45,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2020,rural,female,74,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2020,urban,male,23,15-24,lowest,1,1,MTN Mobile Money,5,98.86,"airtime_purchase,international_remittance,merchant_payment,bill_payment",8,9,high_burden
Uganda,2023,rural,female,55,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2024,rural,female,32,25-34,second,1,0,MTN Mobile Money,0,0.0,none,10,1,high_burden
Uganda,2022,rural,male,29,25-34,lowest,1,0,Airtel Money,0,0.0,none,9,6,high_burden
Tanzania,2023,rural,female,33,25-34,fourth,1,1,M-Pesa,9,115.65,"person_to_person,airtime_purchase,cash_withdrawal,cash_deposit,bill_payment",10,10,high_burden
Malawi,2019,rural,female,30,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
DRC,2021,rural,female,73,55+,middle,1,0,Orange Money,0,0.0,none,2,5,high_burden
Uganda,2024,rural,female,51,45-54,fourth,1,1,MTN Mobile Money,7,78.27,"savings,cash_withdrawal,loan_repayment",6,14,high_burden
Ethiopia,2025,rural,male,66,55+,highest,1,0,telebirr,0,0.0,none,9,12,high_burden
Rwanda,2024,rural,male,43,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2025,rural,male,22,15-24,middle,1,0,Airtel Money,0,0.0,none,5,11,high_burden
DRC,2022,urban,male,29,25-34,fourth,1,0,Orange Money,0,0.0,none,10,13,high_burden
Kenya,2019,urban,male,26,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2022,rural,female,19,15-24,highest,1,0,TNM Mpamba,0,0.0,none,3,3,high_burden
Mozambique,2025,rural,female,65,55+,fourth,1,0,e-Mola,0,0.0,none,10,5,high_burden
Rwanda,2023,rural,female,57,55+,second,1,0,Airtel Money,0,0.0,none,3,10,high_burden
Mozambique,2025,urban,female,23,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
DRC,2019,rural,female,66,55+,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2023,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
DRC,2021,rural,male,15,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2019,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2025,urban,male,72,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2018,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2021,rural,female,27,25-34,second,1,0,Wari,0,0.0,none,7,11,high_burden
DRC,2020,rural,female,24,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2023,rural,male,53,45-54,fourth,1,0,Zamtel Kwacha,0,0.0,none,3,10,high_burden
Zambia,2023,urban,male,39,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2021,urban,male,48,45-54,second,1,0,Airtel Money,0,0.0,none,7,9,high_burden
Rwanda,2018,rural,male,72,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2018,rural,male,17,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2023,urban,female,27,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2021,rural,female,26,25-34,second,1,1,MTN Mobile Money,12,52.55,"loan_repayment,savings,bill_payment",5,8,high_burden
Senegal,2020,rural,male,63,55+,lowest,1,0,Orange Money,0,0.0,none,9,9,high_burden
Ghana,2023,rural,male,43,35-44,fourth,0,0,none,0,0.0,none,8,0,high_burden
Niger,2019,urban,female,38,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2020,rural,male,38,35-44,highest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2021,urban,male,52,45-54,lowest,1,0,Airtel Money,0,0.0,none,4,10,high_burden
Mozambique,2021,urban,female,69,55+,highest,1,1,M-Pesa,12,144.01,"cash_deposit,cash_withdrawal,person_to_person,international_remittance,airtime_purchase",10,3,high_burden
Tanzania,2022,urban,female,34,25-34,highest,1,0,Tigo Pesa,0,0.0,none,10,7,high_burden
DRC,2023,rural,male,68,55+,middle,1,1,Orange Money,2,79.99,"bill_payment,cash_deposit,airtime_purchase,savings",6,10,high_burden
Mali,2025,rural,female,59,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
DRC,2019,urban,male,73,55+,middle,1,0,Orange Money,0,0.0,none,9,2,high_burden
Rwanda,2023,urban,female,69,55+,lowest,1,0,Airtel Money,0,0.0,none,9,4,high_burden
Mozambique,2024,rural,male,63,55+,fourth,1,0,e-Mola,0,0.0,none,4,12,high_burden
Kenya,2024,urban,female,52,45-54,second,1,1,Airtel Money,13,170.24,"cash_deposit,person_to_person,cash_withdrawal,savings,airtime_purchase",4,10,high_burden
Nigeria,2023,rural,male,74,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2020,rural,female,17,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,6,6,high_burden
Senegal,2024,urban,male,59,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2018,rural,male,19,15-24,highest,1,0,Airtel Money,0,0.0,none,2,3,high_burden
Ethiopia,2018,rural,female,74,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2022,urban,female,22,15-24,middle,1,1,M-Pesa,6,100.9,"cash_deposit,person_to_person",10,8,high_burden
Nigeria,2020,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Niger,2022,urban,female,45,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2023,rural,male,57,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2018,rural,male,29,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2020,urban,male,57,55+,second,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2021,rural,female,15,15-24,highest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2018,rural,male,42,35-44,middle,1,0,Airtel Money,0,0.0,none,2,1,high_burden
South Africa,2020,rural,male,60,55+,lowest,1,1,FNB eWallet,10,34.8,"loan_repayment,cash_deposit,cash_withdrawal,airtime_purchase,person_to_person",9,6,high_burden
Niger,2020,urban,male,15,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Mali,2024,urban,male,30,25-34,second,1,1,Orange Money,10,222.23,"international_remittance,person_to_person,loan_repayment",5,13,high_burden
Mozambique,2022,urban,female,36,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2021,rural,female,66,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2022,rural,female,73,55+,highest,0,0,none,0,0.0,none,1,0,high_burden
Mali,2024,rural,male,63,55+,second,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2025,urban,female,66,55+,middle,1,0,MTN Mobile Money,0,0.0,none,2,7,high_burden
Malawi,2019,urban,female,42,35-44,highest,1,0,TNM Mpamba,0,0.0,none,6,8,high_burden
Zambia,2022,rural,female,67,55+,fourth,1,1,Zamtel Kwacha,5,49.24,"person_to_person,merchant_payment,cash_withdrawal,cash_deposit,savings",3,13,high_burden
Zambia,2022,rural,female,44,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2023,urban,male,37,35-44,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2019,rural,male,22,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2024,rural,male,43,35-44,second,1,0,Vodapay,0,0.0,none,2,7,high_burden
Ethiopia,2022,urban,female,26,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2020,urban,female,18,15-24,fourth,1,1,MTN Mobile Money,8,134.64,"cash_deposit,airtime_purchase,cash_withdrawal",4,2,high_burden
Rwanda,2021,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2022,urban,female,17,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2024,urban,female,61,55+,second,1,1,Tigo Pesa,10,116.41,"cash_deposit,international_remittance,cash_withdrawal",6,11,high_burden
Nigeria,2018,urban,male,48,45-54,middle,1,0,Paga,0,0.0,none,4,1,high_burden
Niger,2022,rural,female,50,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2023,rural,male,66,55+,second,1,0,Airtel Money,0,0.0,none,7,15,high_burden
Ethiopia,2020,urban,female,63,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2023,rural,female,69,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2019,rural,male,38,35-44,middle,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2022,urban,female,57,55+,fourth,1,0,Airtel Money,0,0.0,none,8,12,high_burden
Ethiopia,2021,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2022,rural,male,26,25-34,highest,1,0,Airtel Money,0,0.0,none,7,11,high_burden
Zambia,2024,rural,male,27,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2023,urban,female,39,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2020,rural,male,25,15-24,lowest,1,1,OPay,9,31.68,"cash_withdrawal,bill_payment",2,4,high_burden
Ethiopia,2025,urban,male,67,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Niger,2021,rural,male,30,25-34,fourth,1,0,Moov Money,0,0.0,none,2,12,high_burden
Uganda,2021,rural,female,43,35-44,highest,1,1,Airtel Money,7,144.49,"bill_payment,merchant_payment,cash_withdrawal",4,9,high_burden
Mali,2018,rural,female,59,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2025,rural,male,23,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2024,rural,female,35,25-34,middle,1,0,Airtel Money,0,0.0,none,9,13,high_burden
Uganda,2022,urban,female,16,15-24,highest,1,1,MTN Mobile Money,12,143.47,"loan_repayment,cash_withdrawal,airtime_purchase,savings",10,7,high_burden
Ghana,2020,rural,female,29,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,3,2,high_burden
Rwanda,2021,rural,female,35,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,1,12,high_burden
Kenya,2022,urban,female,36,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Mali,2021,rural,female,17,15-24,middle,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2020,rural,male,25,15-24,second,1,0,Orange Money,0,0.0,none,2,10,high_burden
Kenya,2023,urban,female,40,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
DRC,2019,rural,male,45,35-44,middle,1,1,Airtel Money,8,75.41,"cash_deposit,person_to_person,loan_repayment",6,3,high_burden
DRC,2025,rural,male,41,35-44,fourth,1,1,Orange Money,8,46.65,"merchant_payment,person_to_person,cash_deposit,cash_withdrawal,bill_payment",1,8,high_burden
Ghana,2025,urban,male,20,15-24,second,1,1,AirtelTigo Money,13,73.59,"bill_payment,person_to_person,loan_repayment",10,6,high_burden
Niger,2025,urban,female,26,25-34,middle,1,1,Airtel Money,19,44.77,"international_remittance,airtime_purchase,bill_payment,person_to_person",5,7,high_burden
Kenya,2021,urban,female,70,55+,lowest,1,0,M-Pesa,0,0.0,none,5,8,high_burden
Malawi,2023,urban,male,52,45-54,middle,1,1,Airtel Money,9,80.34,"airtime_purchase,cash_withdrawal,loan_repayment",9,14,high_burden
Senegal,2019,urban,male,44,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2018,urban,female,22,15-24,lowest,1,0,Airtel Money,0,0.0,none,6,1,high_burden
Senegal,2024,urban,female,50,45-54,lowest,1,0,Orange Money,0,0.0,none,7,10,high_burden
Nigeria,2024,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2022,rural,male,36,35-44,middle,1,1,Airtel Money,9,47.22,"airtime_purchase,merchant_payment,cash_deposit,person_to_person",9,14,high_burden
Malawi,2023,urban,male,26,25-34,lowest,1,1,Airtel Money,13,151.08,"person_to_person,bill_payment,savings,cash_withdrawal",6,1,high_burden
Nigeria,2025,rural,female,18,15-24,second,1,1, PalmPay,12,56.6,"loan_repayment,cash_withdrawal,international_remittance",7,14,high_burden
DRC,2024,urban,male,24,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2021,rural,female,44,35-44,fourth,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2022,urban,female,38,35-44,fourth,1,1,M-Pesa,14,254.62,"cash_withdrawal,loan_repayment,airtime_purchase",10,8,high_burden
Niger,2022,rural,female,53,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Niger,2022,rural,female,15,15-24,highest,1,0,Moov Money,0,0.0,none,2,1,high_burden
South Africa,2018,rural,female,32,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,3,7,high_burden
Kenya,2024,urban,male,53,45-54,second,1,1,Airtel Money,9,44.65,"savings,airtime_purchase,international_remittance,bill_payment,cash_withdrawal",4,14,high_burden
South Africa,2024,rural,male,46,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2023,rural,female,42,35-44,middle,0,0,none,0,0.0,none,1,0,high_burden
Mali,2022,urban,male,48,45-54,second,1,0,Moov Money,0,0.0,none,8,10,high_burden
Tanzania,2024,rural,female,73,55+,middle,1,0,M-Pesa,0,0.0,none,8,16,high_burden
Mali,2023,rural,male,57,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2018,urban,male,28,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2018,rural,female,38,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2021,urban,female,56,55+,highest,1,1,OPay,17,77.43,"cash_withdrawal,loan_repayment,airtime_purchase,bill_payment,merchant_payment",10,12,high_burden
Tanzania,2019,urban,female,39,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2023,urban,female,71,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2018,rural,male,72,55+,lowest,1,0,Wari,0,0.0,none,6,2,high_burden
Mali,2023,urban,female,21,15-24,middle,1,0,Orange Money,0,0.0,none,10,5,high_burden
Mali,2020,urban,male,53,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2023,urban,male,33,25-34,middle,1,1,MTN Mobile Money,14,169.9,"savings,cash_withdrawal,airtime_purchase",10,11,high_burden
Mozambique,2022,urban,male,26,25-34,fourth,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2025,urban,male,23,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Niger,2023,urban,male,47,45-54,middle,1,1,Airtel Money,19,47.28,"person_to_person,loan_repayment",4,2,high_burden
Ghana,2020,rural,female,21,15-24,second,1,1,AirtelTigo Money,8,177.07,"bill_payment,cash_withdrawal,person_to_person,loan_repayment,merchant_payment",4,3,high_burden
Senegal,2025,rural,female,46,45-54,highest,1,1,Wave,11,168.55,"merchant_payment,airtime_purchase,cash_withdrawal,bill_payment,cash_deposit",2,14,high_burden
Mali,2025,urban,female,46,45-54,second,1,1,Moov Money,11,54.0,"merchant_payment,international_remittance,cash_deposit",10,11,high_burden
DRC,2025,rural,female,23,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2024,rural,female,51,45-54,middle,1,0,Orange Money,0,0.0,none,5,10,high_burden
Mali,2024,urban,male,67,55+,middle,1,1,Moov Money,11,130.87,"bill_payment,international_remittance,savings,cash_withdrawal,airtime_purchase",7,1,high_burden
Kenya,2022,rural,male,35,25-34,fourth,1,0,M-Pesa,0,0.0,none,7,4,high_burden
Nigeria,2025,urban,male,68,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2022,urban,male,45,35-44,highest,0,0,none,0,0.0,none,5,0,high_burden
DRC,2022,urban,male,54,45-54,second,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2023,rural,male,62,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2025,urban,female,67,55+,highest,1,1,Vodafone Cash,16,64.45,"merchant_payment,person_to_person,loan_repayment",4,10,high_burden
Niger,2024,urban,female,43,35-44,fourth,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2025,rural,female,19,15-24,lowest,1,0,Airtel Money,0,0.0,none,7,9,high_burden
Mozambique,2021,urban,male,39,35-44,fourth,1,1,e-Mola,13,197.81,"cash_withdrawal,airtime_purchase,international_remittance,loan_repayment",4,12,high_burden
Zambia,2020,rural,female,61,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2020,urban,male,18,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2020,rural,male,65,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2023,rural,female,56,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Mali,2020,rural,female,31,25-34,fourth,1,0,Moov Money,0,0.0,none,9,7,high_burden
Rwanda,2025,urban,male,43,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
DRC,2018,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2021,urban,male,53,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2024,urban,female,55,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2021,urban,male,33,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2019,rural,male,15,15-24,middle,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2024,rural,female,40,35-44,second,1,1,Airtel Money,7,58.02,"person_to_person,merchant_payment,cash_withdrawal,savings",5,12,high_burden
Rwanda,2022,urban,female,30,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2020,rural,female,55,45-54,highest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2024,urban,male,53,45-54,lowest,1,0,e-Mola,0,0.0,none,9,8,high_burden
Nigeria,2020,rural,female,23,15-24,middle,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2024,urban,male,60,55+,middle,1,0,telebirr,0,0.0,none,3,14,high_burden
Rwanda,2021,urban,male,61,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2020,rural,male,70,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2021,urban,male,42,35-44,fourth,1,1,MTN Mobile Money,14,188.21,"airtime_purchase,cash_withdrawal,loan_repayment,person_to_person",10,13,high_burden
Mali,2023,urban,male,17,15-24,fourth,1,0,Orange Money,0,0.0,none,8,7,high_burden
Kenya,2019,rural,female,45,35-44,lowest,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2024,urban,female,39,35-44,fourth,1,0,Airtel Money,0,0.0,none,10,9,high_burden
South Africa,2021,urban,male,42,35-44,lowest,1,1,Vodapay,11,108.67,"airtime_purchase,cash_withdrawal",10,3,high_burden
Mozambique,2024,rural,male,31,25-34,highest,1,0,e-Mola,0,0.0,none,6,5,high_burden
Rwanda,2024,rural,female,60,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2024,rural,male,36,35-44,second,1,0,M-Pesa,0,0.0,none,2,10,high_burden
DRC,2022,rural,female,42,35-44,highest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2021,rural,female,32,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2022,urban,male,34,25-34,middle,1,0,M-Birr,0,0.0,none,7,8,high_burden
Zambia,2025,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2020,rural,male,63,55+,fourth,1,0,Airtel Money,0,0.0,none,8,1,high_burden
Ghana,2020,rural,male,53,45-54,fourth,1,0,Vodafone Cash,0,0.0,none,9,7,high_burden
Ethiopia,2022,urban,female,40,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2019,rural,male,38,35-44,second,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2018,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2024,urban,male,49,45-54,second,1,0,Airtel Money,0,0.0,none,10,3,high_burden
Mozambique,2021,urban,female,19,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2018,rural,female,64,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2020,urban,female,41,35-44,second,1,1,e-Mola,11,34.54,"loan_repayment,person_to_person",7,1,high_burden
Senegal,2024,rural,male,66,55+,highest,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2025,urban,female,59,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2023,rural,female,19,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2024,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2018,urban,female,35,25-34,highest,1,0,Tigo Pesa,0,0.0,none,9,1,high_burden
Tanzania,2018,rural,male,43,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
DRC,2022,rural,male,70,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2024,rural,female,29,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,10,1,high_burden
Ghana,2019,rural,male,38,35-44,middle,1,0,Vodafone Cash,0,0.0,none,10,11,high_burden
Niger,2024,rural,male,24,15-24,lowest,1,1,Moov Money,10,94.25,"bill_payment,person_to_person,cash_deposit,merchant_payment",2,3,high_burden
Rwanda,2018,rural,male,18,15-24,second,1,1,Airtel Money,10,39.19,"airtime_purchase,savings,international_remittance,person_to_person",4,3,high_burden
Kenya,2025,urban,female,31,25-34,highest,1,0,M-Pesa,0,0.0,none,5,7,high_burden
Mali,2018,rural,male,63,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2022,urban,female,66,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Niger,2022,urban,male,24,15-24,fourth,0,0,none,0,0.0,none,8,0,high_burden
Mali,2024,urban,female,18,15-24,middle,1,0,Orange Money,0,0.0,none,10,2,high_burden
Zambia,2021,urban,female,38,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2019,urban,male,38,35-44,second,1,0,M-Pesa,0,0.0,none,10,1,high_burden
Tanzania,2021,urban,male,60,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2022,rural,female,62,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2019,urban,male,41,35-44,lowest,1,0,Airtel Money,0,0.0,none,6,11,high_burden
Rwanda,2019,urban,male,21,15-24,second,1,0,Airtel Money,0,0.0,none,9,8,high_burden
Nigeria,2024,rural,female,42,35-44,lowest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2021,rural,female,35,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,8,9,high_burden
Zambia,2019,rural,male,31,25-34,fourth,1,1,MTN Mobile Money,7,61.48,"bill_payment,savings,cash_deposit",6,10,high_burden
Niger,2020,rural,male,70,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2025,urban,female,73,55+,middle,1,1,Airtel Money,12,48.28,"person_to_person,loan_repayment,bill_payment",10,8,high_burden
Ghana,2024,rural,female,17,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2019,rural,female,43,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2019,rural,male,37,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Niger,2025,rural,male,65,55+,middle,0,0,none,0,0.0,none,1,0,high_burden
Ghana,2025,urban,female,59,55+,lowest,1,1,Vodafone Cash,12,136.4,"international_remittance,bill_payment,airtime_purchase,loan_repayment",8,8,high_burden
Uganda,2020,rural,male,23,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2023,rural,male,47,45-54,highest,0,0,none,0,0.0,none,1,0,high_burden
Ghana,2025,rural,male,31,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,9,17,high_burden
Mali,2020,rural,male,56,55+,middle,1,0,Orange Money,0,0.0,none,9,10,high_burden
DRC,2019,rural,male,69,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2021,rural,male,67,55+,highest,1,0,Moov Money,0,0.0,none,5,10,high_burden
Tanzania,2025,urban,female,33,25-34,lowest,1,0,M-Pesa,0,0.0,none,8,7,high_burden
Mali,2023,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Mali,2019,rural,male,15,15-24,second,1,1,Moov Money,11,59.01,"merchant_payment,international_remittance",10,7,high_burden
Malawi,2021,rural,male,69,55+,highest,1,1,Airtel Money,5,95.02,"cash_deposit,person_to_person,merchant_payment,cash_withdrawal,loan_repayment",3,5,high_burden
Rwanda,2018,rural,female,71,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2020,rural,female,31,25-34,middle,1,1,Airtel Money,7,45.42,"loan_repayment,cash_deposit",10,7,high_burden
Mozambique,2025,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2018,urban,male,46,45-54,middle,1,1,Moov Money,9,49.64,"person_to_person,merchant_payment,airtime_purchase",2,9,high_burden
Mozambique,2019,urban,male,37,35-44,fourth,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2024,urban,male,30,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2025,urban,female,52,45-54,middle,1,0,AirtelTigo Money,0,0.0,none,2,8,high_burden
Niger,2023,rural,male,53,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2018,rural,male,67,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2020,rural,male,25,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2023,urban,female,73,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2024,rural,male,43,35-44,second,1,0,M-Birr,0,0.0,none,9,1,high_burden
Niger,2018,rural,female,35,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
DRC,2023,urban,male,48,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2023,urban,male,47,45-54,fourth,1,0,M-Pesa,0,0.0,none,7,7,high_burden
Ghana,2021,rural,female,71,55+,fourth,1,1,MTN Mobile Money,8,73.91,"international_remittance,merchant_payment,cash_deposit",8,7,high_burden
Malawi,2022,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2021,rural,male,21,15-24,highest,1,1,AirtelTigo Money,5,138.16,"loan_repayment,international_remittance,person_to_person",7,8,high_burden
Tanzania,2021,urban,female,66,55+,highest,1,0,Airtel Money,0,0.0,none,10,9,high_burden
Ethiopia,2018,urban,male,49,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2025,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2024,urban,male,32,25-34,second,1,0,telebirr,0,0.0,none,10,12,high_burden
Ethiopia,2022,rural,male,25,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2018,rural,male,57,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Niger,2021,rural,female,38,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2019,rural,male,27,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2025,urban,female,65,55+,middle,1,1,Airtel Money,10,150.02,"loan_repayment,cash_withdrawal",3,4,high_burden
Ghana,2021,urban,female,28,25-34,fourth,1,0,Vodafone Cash,0,0.0,none,8,8,high_burden
Malawi,2023,urban,female,68,55+,second,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2024,rural,female,49,45-54,middle,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2024,urban,female,73,55+,lowest,1,1,Zamtel Kwacha,15,325.89,"person_to_person,bill_payment",10,5,high_burden
Malawi,2025,urban,male,72,55+,lowest,1,0,Airtel Money,0,0.0,none,10,11,high_burden
Mali,2022,rural,male,22,15-24,highest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2025,urban,male,68,55+,middle,1,0,MTN Mobile Money,0,0.0,none,7,11,high_burden
Ethiopia,2024,rural,female,72,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2023,rural,female,56,55+,second,1,0,M-Pesa,0,0.0,none,3,2,high_burden
Tanzania,2020,rural,male,59,55+,lowest,1,0,M-Pesa,0,0.0,none,8,1,high_burden
DRC,2025,rural,female,74,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2022,urban,male,42,35-44,middle,1,0,Airtel Money,0,0.0,none,5,7,high_burden
Malawi,2024,urban,female,19,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2024,urban,female,37,35-44,lowest,1,1,M-Pesa,10,167.06,"loan_repayment,cash_deposit,person_to_person",10,4,high_burden
Ghana,2021,urban,female,29,25-34,fourth,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2020,rural,female,49,45-54,fourth,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2020,urban,male,43,35-44,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2018,rural,male,35,25-34,fourth,1,0,e-Mola,0,0.0,none,9,7,high_burden
Niger,2022,rural,female,69,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2020,urban,male,18,15-24,middle,1,1,M-Pesa,8,59.21,"cash_deposit,bill_payment,loan_repayment,merchant_payment",7,11,high_burden
Senegal,2022,urban,male,22,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2025,urban,female,31,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2018,rural,female,22,15-24,middle,1,1,Airtel Money,7,125.46,"loan_repayment,cash_withdrawal",8,3,high_burden
Nigeria,2023,urban,female,38,35-44,fourth,1,1,Paga,11,661.19,"merchant_payment,airtime_purchase,cash_withdrawal,loan_repayment",6,3,high_burden
Uganda,2018,rural,female,68,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2025,rural,male,19,15-24,lowest,1,1,Airtel Money,6,39.17,"international_remittance,cash_deposit,bill_payment,airtime_purchase",8,3,high_burden
Uganda,2018,rural,female,70,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,7,10,high_burden
DRC,2024,rural,male,60,55+,middle,1,1,M-Pesa,10,30.89,"cash_withdrawal,cash_deposit,savings,international_remittance,loan_repayment",9,6,high_burden
Ethiopia,2022,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2023,rural,female,21,15-24,fourth,1,0,Paga,0,0.0,none,8,13,high_burden
Uganda,2024,rural,female,17,15-24,middle,1,1,Airtel Money,11,83.5,"international_remittance,airtime_purchase,savings",2,2,high_burden
Malawi,2021,rural,male,26,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2019,rural,male,16,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2025,rural,male,28,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,10,13,high_burden
Mali,2025,urban,male,60,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
DRC,2019,rural,male,63,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2023,urban,male,24,15-24,second,1,0, PalmPay,0,0.0,none,8,7,high_burden
South Africa,2022,urban,male,65,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Mali,2018,urban,female,47,45-54,fourth,1,0,Orange Money,0,0.0,none,9,9,high_burden
Ethiopia,2020,urban,female,16,15-24,fourth,1,0,telebirr,0,0.0,none,3,4,high_burden
Tanzania,2021,urban,female,68,55+,second,1,0,Tigo Pesa,0,0.0,none,10,11,high_burden
Ghana,2023,urban,female,42,35-44,second,1,0,Vodafone Cash,0,0.0,none,5,8,high_burden
Zambia,2022,rural,female,48,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2022,urban,female,23,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2020,urban,female,34,25-34,middle,1,1,Moov Money,6,79.54,"bill_payment,cash_deposit,cash_withdrawal,international_remittance,person_to_person",4,5,high_burden
Zambia,2023,urban,male,64,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2024,rural,male,36,35-44,lowest,1,1,MTN Mobile Money,4,146.5,"loan_repayment,savings",6,16,high_burden
Mozambique,2019,urban,female,52,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2018,urban,female,23,15-24,highest,1,1,Airtel Money,11,67.34,"savings,airtime_purchase,person_to_person",7,9,high_burden
Senegal,2020,urban,male,66,55+,middle,1,0,Wave,0,0.0,none,9,6,high_burden
Tanzania,2021,urban,female,30,25-34,lowest,1,1,Airtel Money,14,63.76,"person_to_person,cash_withdrawal,international_remittance",4,12,high_burden
Mozambique,2019,rural,female,46,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2024,urban,female,50,45-54,fourth,1,1,M-Pesa,12,64.93,"airtime_purchase,bill_payment",10,12,high_burden
Mali,2025,rural,female,21,15-24,middle,1,0,Moov Money,0,0.0,none,4,7,high_burden
Mali,2020,urban,female,65,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2024,rural,female,51,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
DRC,2018,urban,female,57,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2019,rural,female,28,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2022,rural,female,21,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2021,urban,female,44,35-44,highest,1,1,Tigo Pesa,16,60.31,"bill_payment,international_remittance,savings,loan_repayment",7,3,high_burden
Tanzania,2018,rural,male,18,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2025,urban,female,23,15-24,lowest,1,1,Wave,13,69.06,"cash_deposit,merchant_payment",3,7,high_burden
DRC,2024,urban,female,74,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2018,urban,male,43,35-44,second,1,0,Tigo Pesa,0,0.0,none,3,8,high_burden
Kenya,2022,rural,female,40,35-44,lowest,1,0,Airtel Money,0,0.0,none,3,9,high_burden
Ghana,2018,urban,female,20,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2024,rural,female,20,15-24,fourth,1,0,M-Pesa,0,0.0,none,2,7,high_burden
Mozambique,2024,urban,female,24,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
DRC,2020,rural,female,22,15-24,middle,1,0,Airtel Money,0,0.0,none,7,12,high_burden
Uganda,2022,rural,female,23,15-24,lowest,1,1,Airtel Money,6,46.6,"savings,cash_withdrawal,merchant_payment,loan_repayment",3,12,high_burden
Ethiopia,2020,rural,male,51,45-54,middle,1,0,telebirr,0,0.0,none,5,3,high_burden
Ethiopia,2019,urban,female,24,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2025,rural,male,20,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2018,rural,female,47,45-54,middle,0,0,none,0,0.0,none,1,0,high_burden
Ethiopia,2024,rural,female,46,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2018,rural,female,70,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2022,urban,female,20,15-24,highest,1,0,Airtel Money,0,0.0,none,8,14,high_burden
Niger,2023,urban,male,21,15-24,middle,1,0,Moov Money,0,0.0,none,4,3,high_burden
Niger,2024,rural,male,74,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2025,rural,female,55,45-54,fourth,1,1,M-Pesa,7,113.0,"bill_payment,international_remittance,savings,cash_deposit",5,2,high_burden
Uganda,2025,rural,female,64,55+,middle,1,1,Airtel Money,11,78.38,"loan_repayment,bill_payment,airtime_purchase",1,4,high_burden
DRC,2024,urban,female,58,55+,middle,1,0,Airtel Money,0,0.0,none,3,11,high_burden
Mozambique,2022,rural,male,67,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2022,rural,male,53,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2019,urban,female,68,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2021,urban,male,43,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
DRC,2018,rural,female,38,35-44,second,1,0,Orange Money,0,0.0,none,7,7,high_burden
Uganda,2020,urban,female,24,15-24,second,1,0,MTN Mobile Money,0,0.0,none,6,7,high_burden
Ghana,2023,rural,female,27,25-34,second,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2019,urban,female,46,45-54,highest,1,1,Tigo Pesa,8,156.68,"person_to_person,cash_deposit,cash_withdrawal,loan_repayment,international_remittance",6,7,high_burden
Mali,2019,urban,female,63,55+,middle,1,1,Orange Money,16,130.88,"cash_deposit,cash_withdrawal,airtime_purchase",10,1,high_burden
Kenya,2023,urban,male,60,55+,fourth,1,0,Airtel Money,0,0.0,none,10,13,high_burden
DRC,2025,rural,male,51,45-54,middle,0,0,none,0,0.0,none,1,0,high_burden
Rwanda,2024,rural,female,58,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2019,urban,male,15,15-24,middle,1,0,Airtel Money,0,0.0,none,6,8,high_burden
Senegal,2024,urban,male,29,25-34,second,1,1,Wave,17,105.89,"person_to_person,savings,merchant_payment,cash_deposit",10,14,high_burden
Rwanda,2022,urban,male,36,35-44,middle,1,1,Airtel Money,11,67.44,"cash_deposit,cash_withdrawal",6,8,high_burden
Ghana,2021,rural,female,43,35-44,fourth,1,0,Vodafone Cash,0,0.0,none,8,5,high_burden
Nigeria,2023,rural,female,61,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Niger,2018,urban,female,41,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2021,rural,male,53,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2024,rural,female,43,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2021,rural,male,74,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2019,urban,female,25,15-24,highest,1,0,Vodapay,0,0.0,none,9,9,high_burden
Uganda,2024,rural,female,23,15-24,fourth,1,1,Airtel Money,15,289.64,"international_remittance,merchant_payment,bill_payment",2,5,high_burden
Uganda,2022,rural,female,53,45-54,fourth,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2025,rural,female,29,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2020,urban,male,54,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2020,urban,male,31,25-34,fourth,1,0,M-Pesa,0,0.0,none,8,11,high_burden
Mali,2019,rural,male,60,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2024,rural,male,69,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2019,urban,male,41,35-44,second,1,1,Orange Money,12,196.37,"bill_payment,loan_repayment,person_to_person,merchant_payment,cash_withdrawal",3,5,high_burden
Zambia,2018,urban,male,40,35-44,lowest,1,0,Zamtel Kwacha,0,0.0,none,4,9,high_burden
DRC,2024,urban,female,57,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
DRC,2020,rural,male,54,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
Niger,2020,urban,female,16,15-24,middle,1,1,Moov Money,13,146.47,"savings,merchant_payment,international_remittance,airtime_purchase",7,1,high_burden
Tanzania,2018,rural,male,35,25-34,fourth,1,0,M-Pesa,0,0.0,none,3,3,high_burden
Kenya,2022,rural,male,47,45-54,lowest,1,0,M-Pesa,0,0.0,none,2,11,high_burden
Uganda,2023,rural,female,59,55+,highest,1,0,Airtel Money,0,0.0,none,10,12,high_burden
DRC,2019,urban,male,51,45-54,highest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2020,rural,female,40,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2020,urban,female,67,55+,lowest,1,0,M-Pesa,0,0.0,none,4,9,high_burden
Tanzania,2022,rural,male,21,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2021,urban,female,72,55+,lowest,1,0,Orange Money,0,0.0,none,2,6,high_burden
Malawi,2018,rural,male,68,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2023,urban,female,54,45-54,lowest,1,0,Airtel Money,0,0.0,none,2,8,high_burden
Nigeria,2022,rural,female,43,35-44,fourth,0,0,none,0,0.0,none,4,0,high_burden
Mali,2022,urban,female,71,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2019,urban,female,66,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2022,rural,male,49,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2022,urban,male,19,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2021,urban,female,53,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
DRC,2025,rural,female,68,55+,middle,1,0,Airtel Money,0,0.0,none,4,14,high_burden
Ethiopia,2019,urban,female,58,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2023,rural,male,15,15-24,fourth,0,0,none,0,0.0,none,2,0,high_burden
Mali,2020,rural,female,47,45-54,fourth,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2019,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2023,rural,male,17,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2023,rural,male,24,15-24,lowest,1,0,Airtel Money,0,0.0,none,10,10,high_burden
Nigeria,2021,urban,female,15,15-24,middle,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2021,rural,male,48,45-54,lowest,1,0,M-Pesa,0,0.0,none,6,11,high_burden
South Africa,2025,urban,female,17,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,10,15,high_burden
DRC,2020,urban,female,63,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2024,rural,male,59,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
DRC,2022,rural,male,25,15-24,fourth,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2024,rural,female,59,55+,highest,1,0,M-Birr,0,0.0,none,3,4,high_burden
Ghana,2021,rural,female,60,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2020,rural,male,73,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2019,rural,female,20,15-24,highest,1,1,e-Mola,7,220.41,"savings,cash_deposit",6,3,high_burden
Niger,2024,urban,male,29,25-34,highest,1,0,Airtel Money,0,0.0,none,5,12,high_burden
Senegal,2021,rural,male,30,25-34,lowest,1,1,Wari,8,116.39,"airtime_purchase,cash_withdrawal",4,5,high_burden
Ethiopia,2020,urban,male,64,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2023,urban,female,17,15-24,second,1,1,Wari,11,73.58,"international_remittance,cash_withdrawal,airtime_purchase,person_to_person,savings",6,14,high_burden
South Africa,2023,rural,female,40,35-44,fourth,1,0,FNB eWallet,0,0.0,none,1,6,high_burden
South Africa,2024,rural,female,64,55+,fourth,1,0,Vodapay,0,0.0,none,3,1,high_burden
Kenya,2022,rural,male,73,55+,second,1,0,Airtel Money,0,0.0,none,4,2,high_burden
Rwanda,2024,urban,female,35,25-34,fourth,1,0,Airtel Money,0,0.0,none,2,7,high_burden
Kenya,2022,urban,male,25,15-24,second,1,0,M-Pesa,0,0.0,none,5,8,high_burden
Malawi,2025,rural,male,57,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2023,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2020,urban,female,24,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2020,rural,female,53,45-54,second,1,1,Airtel Money,9,219.79,"cash_deposit,cash_withdrawal,international_remittance,loan_repayment",9,1,high_burden
South Africa,2023,rural,female,39,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2025,urban,male,22,15-24,middle,1,0,Tigo Pesa,0,0.0,none,5,6,high_burden
Malawi,2023,rural,male,36,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2021,rural,male,39,35-44,lowest,1,0,telebirr,0,0.0,none,6,7,high_burden
Ghana,2021,rural,male,50,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
DRC,2023,rural,male,15,15-24,highest,1,0,Airtel Money,0,0.0,none,4,5,high_burden
Zambia,2024,rural,male,25,15-24,lowest,1,0,Zamtel Kwacha,0,0.0,none,2,4,high_burden
DRC,2024,urban,male,53,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2024,rural,female,17,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,9,15,high_burden
Senegal,2022,urban,male,51,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2021,urban,male,71,55+,middle,1,1,Orange Money,14,193.08,"savings,cash_deposit,airtime_purchase",10,5,high_burden
South Africa,2018,rural,male,30,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
DRC,2018,urban,female,67,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2020,rural,female,70,55+,fourth,1,1,MTN Mobile Money,10,75.24,"bill_payment,international_remittance,loan_repayment",7,10,high_burden
Kenya,2018,rural,female,68,55+,lowest,1,1,M-Pesa,10,44.71,"cash_withdrawal,merchant_payment",7,2,high_burden
Tanzania,2025,urban,female,16,15-24,fourth,1,0,Tigo Pesa,0,0.0,none,7,6,high_burden
Nigeria,2025,rural,male,23,15-24,middle,1,1,Paga,8,78.08,"person_to_person,bill_payment",10,11,high_burden
DRC,2023,rural,male,62,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mali,2018,rural,female,51,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2021,rural,female,70,55+,fourth,1,1,Airtel Money,10,21.0,"airtime_purchase,cash_deposit",5,4,high_burden
Nigeria,2022,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2025,rural,female,49,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2020,rural,male,44,35-44,middle,1,1,AirtelTigo Money,11,88.83,"savings,cash_deposit,airtime_purchase",1,9,high_burden
Niger,2018,urban,male,32,25-34,highest,1,0,Airtel Money,0,0.0,none,10,10,high_burden
Senegal,2022,rural,male,32,25-34,fourth,1,0,Orange Money,0,0.0,none,6,6,high_burden
Senegal,2025,urban,male,58,55+,middle,1,1,Orange Money,12,205.19,"airtime_purchase,cash_withdrawal",9,16,high_burden
Zambia,2018,urban,male,23,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2023,urban,male,17,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2018,urban,female,33,25-34,highest,1,0,M-Pesa,0,0.0,none,5,2,high_burden
Ghana,2021,urban,female,28,25-34,lowest,1,1,AirtelTigo Money,9,308.34,"person_to_person,bill_payment",7,13,high_burden
Uganda,2024,rural,female,61,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
DRC,2020,urban,male,39,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Mali,2019,urban,male,24,15-24,fourth,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2018,urban,female,32,25-34,second,1,1,Airtel Money,10,118.48,"international_remittance,loan_repayment,cash_withdrawal,airtime_purchase",3,5,high_burden
Malawi,2018,urban,female,19,15-24,highest,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2021,rural,female,28,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2018,rural,male,34,25-34,lowest,1,1,Tigo Pesa,5,85.49,"loan_repayment,person_to_person",10,4,high_burden
Ethiopia,2025,urban,male,58,55+,middle,1,0,telebirr,0,0.0,none,4,17,high_burden
Ghana,2025,urban,female,54,45-54,highest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2020,rural,female,16,15-24,lowest,1,1,MTN Mobile Money,7,73.17,"merchant_payment,person_to_person,savings,loan_repayment",2,8,high_burden
Niger,2025,rural,female,60,55+,middle,1,0,Moov Money,0,0.0,none,8,5,high_burden
Kenya,2025,urban,female,24,15-24,second,1,1,Airtel Money,11,235.66,"loan_repayment,airtime_purchase,merchant_payment,savings",6,11,high_burden
Niger,2022,urban,female,27,25-34,highest,1,1,Airtel Money,6,35.3,"airtime_purchase,loan_repayment,cash_deposit,person_to_person",3,12,high_burden
Uganda,2023,rural,male,38,35-44,fourth,1,1,Airtel Money,1,348.34,"bill_payment,loan_repayment",4,10,high_burden
Niger,2019,urban,female,36,35-44,fourth,1,0,Airtel Money,0,0.0,none,10,3,high_burden
Mozambique,2018,rural,female,17,15-24,middle,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2019,urban,male,19,15-24,fourth,1,1,Airtel Money,7,65.0,"cash_withdrawal,international_remittance",5,11,high_burden
Ghana,2022,urban,female,69,55+,fourth,1,1,MTN Mobile Money,10,173.78,"person_to_person,airtime_purchase,cash_deposit,savings,merchant_payment",4,5,high_burden
Zambia,2020,rural,male,56,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2025,urban,female,57,55+,middle,1,0,MTN Mobile Money,0,0.0,none,3,9,high_burden
Malawi,2018,urban,female,44,35-44,second,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2024,urban,female,54,45-54,highest,1,0,MTN Mobile Money,0,0.0,none,2,16,high_burden
Tanzania,2019,rural,male,62,55+,highest,1,0,Tigo Pesa,0,0.0,none,1,11,high_burden
Niger,2019,urban,female,45,35-44,fourth,1,0,Airtel Money,0,0.0,none,6,9,high_burden
Ghana,2021,rural,male,28,25-34,middle,1,0,Vodafone Cash,0,0.0,none,9,11,high_burden
South Africa,2021,rural,female,29,25-34,fourth,1,1,MTN Mobile Money,8,40.42,"bill_payment,cash_deposit,cash_withdrawal,savings",10,7,high_burden
Mozambique,2020,rural,female,69,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Ghana,2021,rural,female,41,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2025,urban,male,63,55+,fourth,1,1,Airtel Money,6,174.08,"loan_repayment,savings,merchant_payment,international_remittance",5,17,high_burden
Ghana,2023,urban,male,72,55+,highest,1,0,Vodafone Cash,0,0.0,none,2,12,high_burden
Niger,2018,urban,male,40,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2022,rural,male,43,35-44,highest,1,0,Airtel Money,0,0.0,none,1,10,high_burden
Ghana,2023,rural,male,65,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2024,rural,male,27,25-34,middle,1,0,Zamtel Kwacha,0,0.0,none,3,9,high_burden
Malawi,2025,urban,male,47,45-54,highest,1,0,TNM Mpamba,0,0.0,none,8,15,high_burden
Niger,2021,urban,male,29,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2023,rural,male,59,55+,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2022,rural,female,33,25-34,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2021,rural,female,67,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2018,rural,male,19,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2024,rural,female,36,35-44,middle,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2023,urban,male,51,45-54,highest,1,0,Airtel Money,0,0.0,none,10,12,high_burden
Kenya,2023,urban,female,24,15-24,fourth,1,0,M-Pesa,0,0.0,none,4,7,high_burden
Uganda,2023,urban,female,21,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,10,10,high_burden
South Africa,2018,urban,male,22,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2025,rural,male,46,45-54,second,0,0,none,0,0.0,none,8,0,high_burden
Niger,2023,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2019,rural,male,43,35-44,fourth,0,0,none,0,0.0,none,3,0,high_burden
DRC,2024,urban,male,18,15-24,middle,1,1,Orange Money,10,173.39,"cash_withdrawal,savings,bill_payment,airtime_purchase,person_to_person",8,16,high_burden
Zambia,2022,rural,female,27,25-34,second,0,0,none,0,0.0,none,6,0,high_burden
DRC,2025,urban,female,47,45-54,second,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2025,rural,female,53,45-54,middle,1,1,MTN Mobile Money,8,153.09,"person_to_person,cash_withdrawal,savings,loan_repayment",7,9,high_burden
Malawi,2021,rural,male,23,15-24,highest,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2020,rural,male,43,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2018,rural,male,46,45-54,second,1,0,MTN Mobile Money,0,0.0,none,6,5,high_burden
Ghana,2025,rural,female,68,55+,fourth,1,0,Vodafone Cash,0,0.0,none,2,10,high_burden
Ghana,2025,urban,male,30,25-34,highest,1,0,AirtelTigo Money,0,0.0,none,10,8,high_burden
Kenya,2023,urban,female,23,15-24,fourth,1,0,Airtel Money,0,0.0,none,7,5,high_burden
Ghana,2024,urban,female,42,35-44,highest,1,1,AirtelTigo Money,12,257.83,"cash_withdrawal,loan_repayment",6,11,high_burden
Senegal,2019,rural,female,45,35-44,highest,1,0,Wari,0,0.0,none,8,8,high_burden
Zambia,2019,rural,female,25,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2018,urban,female,54,45-54,highest,1,0,M-Pesa,0,0.0,none,10,2,high_burden
Mozambique,2020,rural,male,26,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2020,urban,female,21,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2020,urban,male,38,35-44,highest,1,1,telebirr,18,40.98,"cash_deposit,cash_withdrawal",10,10,high_burden
Kenya,2019,rural,female,47,45-54,lowest,1,0,M-Pesa,0,0.0,none,9,7,high_burden
Tanzania,2019,rural,female,40,35-44,fourth,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2020,rural,female,69,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2025,rural,male,47,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,8,13,high_burden
DRC,2023,rural,male,56,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2022,urban,male,70,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,6,6,high_burden
South Africa,2022,rural,male,35,25-34,lowest,1,1,Vodapay,4,44.77,"cash_deposit,loan_repayment,airtime_purchase",8,8,high_burden
Zambia,2025,rural,female,65,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Mali,2025,urban,female,69,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Niger,2021,rural,female,74,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2019,rural,male,60,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2019,rural,male,24,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2024,rural,female,18,15-24,highest,1,1,Airtel Money,8,183.82,"cash_withdrawal,savings,airtime_purchase,international_remittance",7,7,high_burden
Mali,2018,rural,female,73,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2023,urban,female,59,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2025,rural,male,52,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2022,rural,female,32,25-34,highest,1,0,M-Pesa,0,0.0,none,9,6,high_burden
Mali,2023,urban,female,34,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2025,rural,male,56,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
DRC,2019,rural,female,30,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2021,urban,female,19,15-24,lowest,1,1,Airtel Money,10,77.38,"savings,airtime_purchase,cash_deposit",6,13,high_burden
Niger,2022,rural,female,64,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2019,rural,female,73,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Mali,2020,rural,female,71,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Mali,2022,urban,female,36,35-44,fourth,1,1,Moov Money,7,92.39,"loan_repayment,cash_deposit",6,13,high_burden
DRC,2022,rural,female,42,35-44,second,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2025,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2023,rural,male,56,55+,second,1,0,M-Pesa,0,0.0,none,1,5,high_burden
South Africa,2022,urban,female,56,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2022,urban,female,17,15-24,second,1,1,Airtel Money,14,228.88,"merchant_payment,bill_payment,person_to_person,cash_deposit,cash_withdrawal",3,14,high_burden
Rwanda,2025,rural,female,32,25-34,fourth,1,1,MTN Mobile Money,6,70.98,"international_remittance,cash_deposit,loan_repayment",8,3,high_burden
Senegal,2025,urban,female,15,15-24,highest,1,1,Wave,15,67.81,"person_to_person,savings",3,3,high_burden
Niger,2023,urban,male,23,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2024,rural,male,28,25-34,second,1,1,M-Birr,14,285.31,"loan_repayment,airtime_purchase,merchant_payment,cash_withdrawal",3,6,high_burden
South Africa,2018,rural,male,41,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2020,urban,male,15,15-24,fourth,1,1,TNM Mpamba,13,63.44,"cash_withdrawal,savings",4,2,high_burden
Senegal,2018,urban,male,19,15-24,second,1,1,Wari,10,52.8,"airtime_purchase,merchant_payment",8,6,high_burden
South Africa,2019,urban,male,17,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2019,rural,male,45,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2022,urban,female,34,25-34,second,1,1,M-Pesa,15,81.6,"airtime_purchase,cash_withdrawal,person_to_person",10,3,high_burden
Kenya,2025,urban,female,28,25-34,highest,1,1,M-Pesa,13,56.46,"savings,cash_deposit",8,12,high_burden
South Africa,2019,rural,male,15,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2025,rural,female,57,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2020,rural,male,63,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2024,rural,female,51,45-54,middle,1,1,MTN Mobile Money,3,94.63,"loan_repayment,bill_payment",7,11,high_burden
Nigeria,2022,urban,female,42,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2025,rural,female,68,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2025,urban,male,52,45-54,fourth,1,0,Airtel Money,0,0.0,none,4,12,high_burden
Mozambique,2022,rural,male,61,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2020,urban,male,29,25-34,highest,1,1,Airtel Money,10,141.74,"cash_deposit,person_to_person,cash_withdrawal,airtime_purchase",10,3,high_burden
Nigeria,2025,urban,female,17,15-24,lowest,1,1, PalmPay,12,105.46,"international_remittance,person_to_person,cash_withdrawal",9,1,high_burden
Ethiopia,2023,rural,female,64,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2021,rural,male,66,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2019,rural,female,51,45-54,highest,1,0,Wave,0,0.0,none,1,11,high_burden
Nigeria,2025,rural,female,51,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
Ethiopia,2025,rural,female,29,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2019,urban,female,35,25-34,middle,1,0,OPay,0,0.0,none,2,6,high_burden
Mozambique,2024,urban,male,53,45-54,middle,1,0,M-Pesa,0,0.0,none,8,13,high_burden
Rwanda,2025,urban,female,42,35-44,fourth,1,1,Airtel Money,11,223.58,"savings,international_remittance,cash_deposit",9,6,high_burden
Ethiopia,2025,urban,male,62,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2021,rural,male,50,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2019,rural,female,59,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2019,rural,female,19,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2022,urban,female,15,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2019,rural,female,54,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2023,urban,male,48,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2018,rural,male,17,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2019,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2024,rural,male,21,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2022,rural,male,54,45-54,fourth,1,0,Wave,0,0.0,none,10,7,high_burden
South Africa,2022,rural,male,61,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2021,urban,female,29,25-34,lowest,1,0,M-Pesa,0,0.0,none,10,10,high_burden
Uganda,2021,rural,female,16,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2025,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2019,rural,male,23,15-24,second,1,1,M-Pesa,7,59.98,"person_to_person,airtime_purchase,merchant_payment",9,5,high_burden
Kenya,2025,urban,male,54,45-54,second,1,1,Airtel Money,6,73.19,"loan_repayment,international_remittance,bill_payment,merchant_payment,airtime_purchase",3,11,high_burden
Zambia,2023,urban,female,27,25-34,lowest,1,1,MTN Mobile Money,13,155.89,"person_to_person,airtime_purchase,loan_repayment,cash_withdrawal",3,13,high_burden
Ghana,2025,urban,female,47,45-54,second,1,1,AirtelTigo Money,7,114.8,"international_remittance,merchant_payment,cash_withdrawal,person_to_person,airtime_purchase",2,15,high_burden
Mozambique,2019,urban,female,48,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2020,urban,female,51,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2023,urban,female,18,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2021,urban,male,42,35-44,fourth,1,1,Airtel Money,18,171.46,"person_to_person,cash_withdrawal",8,9,high_burden
Senegal,2023,rural,female,63,55+,second,1,0,Wari,0,0.0,none,6,8,high_burden
South Africa,2021,urban,female,27,25-34,fourth,1,1,MTN Mobile Money,13,94.73,"person_to_person,savings",6,3,high_burden
South Africa,2022,urban,female,55,45-54,second,1,0,Vodapay,0,0.0,none,6,1,high_burden
Nigeria,2021,rural,male,60,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2020,rural,female,74,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2025,urban,male,51,45-54,second,1,0,M-Pesa,0,0.0,none,9,7,high_burden
Zambia,2023,rural,male,38,35-44,lowest,1,0,Airtel Money,0,0.0,none,6,4,high_burden
Ethiopia,2024,urban,male,37,35-44,second,1,0,M-Birr,0,0.0,none,5,10,high_burden
Ghana,2023,rural,male,74,55+,highest,1,0,MTN Mobile Money,0,0.0,none,8,10,high_burden
DRC,2018,rural,male,38,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2022,urban,male,34,25-34,second,1,1,M-Pesa,16,90.14,"loan_repayment,cash_deposit",7,3,high_burden
Mozambique,2018,rural,male,26,25-34,middle,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2025,rural,female,69,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Mali,2025,rural,male,64,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2022,rural,female,21,15-24,second,1,0,M-Pesa,0,0.0,none,7,4,high_burden
Tanzania,2024,rural,female,36,35-44,highest,1,0,Tigo Pesa,0,0.0,none,4,2,high_burden
Nigeria,2025,rural,female,66,55+,second,1,1, PalmPay,6,55.07,"international_remittance,airtime_purchase",9,9,high_burden
DRC,2020,rural,male,33,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2024,rural,female,60,55+,fourth,1,0,OPay,0,0.0,none,1,2,high_burden
Malawi,2019,urban,female,49,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
Niger,2024,urban,male,26,25-34,lowest,1,1,Moov Money,11,207.91,"bill_payment,merchant_payment,savings,cash_withdrawal",4,16,high_burden
Kenya,2024,urban,female,68,55+,middle,1,0,M-Pesa,0,0.0,none,9,9,high_burden
Malawi,2019,rural,female,73,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2021,rural,male,57,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2022,urban,male,36,35-44,highest,1,0,Airtel Money,0,0.0,none,6,3,high_burden
Kenya,2025,rural,male,32,25-34,middle,1,0,Airtel Money,0,0.0,none,4,2,high_burden
Rwanda,2023,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2021,urban,female,26,25-34,lowest,1,0,Airtel Money,0,0.0,none,5,11,high_burden
Mozambique,2022,urban,male,71,55+,fourth,1,1,M-Pesa,10,70.6,"bill_payment,merchant_payment,loan_repayment",5,4,high_burden
Senegal,2020,urban,male,16,15-24,middle,1,0,Orange Money,0,0.0,none,8,11,high_burden
Ethiopia,2022,rural,male,39,35-44,fourth,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2022,rural,male,17,15-24,middle,1,0,Paga,0,0.0,none,10,7,high_burden
Niger,2019,urban,female,32,25-34,fourth,1,1,Moov Money,5,109.92,"cash_deposit,merchant_payment,airtime_purchase",7,7,high_burden
Kenya,2023,rural,female,56,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2024,urban,female,64,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2020,urban,female,66,55+,lowest,1,1,e-Mola,10,78.86,"airtime_purchase,person_to_person",5,2,high_burden
Mozambique,2018,rural,male,48,45-54,fourth,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2021,rural,female,15,15-24,lowest,1,0,Airtel Money,0,0.0,none,10,10,high_burden
Tanzania,2023,rural,female,56,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2021,urban,female,44,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2023,urban,female,33,25-34,fourth,1,0,Wave,0,0.0,none,10,13,high_burden
Mali,2019,urban,female,70,55+,highest,1,0,Moov Money,0,0.0,none,7,9,high_burden
Malawi,2023,urban,male,47,45-54,fourth,1,1,Airtel Money,11,147.51,"merchant_payment,cash_deposit,cash_withdrawal,person_to_person,loan_repayment",5,3,high_burden
Ethiopia,2021,rural,male,16,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2021,rural,male,17,15-24,middle,1,0,M-Pesa,0,0.0,none,10,4,high_burden
Mali,2020,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2024,urban,male,30,25-34,fourth,1,1,Wave,12,243.16,"merchant_payment,person_to_person,airtime_purchase",10,12,high_burden
Senegal,2025,rural,male,27,25-34,fourth,1,1,Wave,7,65.04,"bill_payment,person_to_person",6,6,high_burden
South Africa,2023,rural,female,60,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2024,urban,female,59,55+,middle,1,1,M-Pesa,9,138.59,"merchant_payment,savings,bill_payment",3,11,high_burden
Mozambique,2023,rural,female,22,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Mali,2019,rural,male,45,35-44,highest,1,1,Moov Money,10,72.33,"person_to_person,cash_withdrawal,cash_deposit,international_remittance",6,5,high_burden
Mozambique,2023,urban,male,70,55+,highest,1,1,e-Mola,7,168.11,"bill_payment,savings,airtime_purchase,merchant_payment,international_remittance",8,11,high_burden
Malawi,2018,rural,male,36,35-44,second,1,0,Airtel Money,0,0.0,none,4,10,high_burden
Tanzania,2024,rural,male,41,35-44,fourth,1,1,M-Pesa,7,88.63,"cash_deposit,savings",8,8,high_burden
Rwanda,2019,rural,female,65,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,9,6,high_burden
Niger,2021,rural,male,57,55+,highest,1,0,Moov Money,0,0.0,none,7,1,high_burden
Senegal,2025,rural,female,44,35-44,lowest,1,1,Orange Money,6,101.22,"savings,bill_payment,cash_withdrawal,merchant_payment",4,12,high_burden
Tanzania,2022,rural,female,48,45-54,highest,1,0,M-Pesa,0,0.0,none,8,12,high_burden
Zambia,2019,rural,female,70,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2021,rural,female,30,25-34,middle,0,0,none,0,0.0,none,8,0,high_burden
Mali,2022,rural,male,73,55+,highest,1,1,Moov Money,7,95.31,"savings,airtime_purchase,person_to_person",3,12,high_burden
Ethiopia,2018,urban,female,24,15-24,fourth,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2025,rural,male,23,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2019,rural,female,22,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2019,urban,male,27,25-34,fourth,1,0,Airtel Money,0,0.0,none,6,5,high_burden
Mozambique,2021,urban,male,54,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2022,urban,male,70,55+,lowest,1,1,Airtel Money,5,370.29,"international_remittance,airtime_purchase,person_to_person,bill_payment,merchant_payment",6,11,high_burden
Mozambique,2021,urban,female,61,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2019,rural,female,33,25-34,middle,1,0,Airtel Money,0,0.0,none,6,2,high_burden
Kenya,2020,urban,female,49,45-54,highest,1,0,M-Pesa,0,0.0,none,6,11,high_burden
Nigeria,2018,rural,male,19,15-24,fourth,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2021,urban,male,16,15-24,highest,1,1,M-Pesa,8,59.05,"bill_payment,international_remittance,loan_repayment,cash_withdrawal,person_to_person",10,10,high_burden
Niger,2019,urban,male,30,25-34,fourth,1,1,Moov Money,14,58.44,"loan_repayment,merchant_payment",9,10,high_burden
Senegal,2025,rural,female,47,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2023,rural,male,40,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2025,urban,female,21,15-24,highest,1,0,Airtel Money,0,0.0,none,8,12,high_burden
Malawi,2023,rural,female,49,45-54,highest,0,0,none,0,0.0,none,7,0,high_burden
Niger,2022,rural,male,24,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2023,rural,female,15,15-24,second,0,0,none,0,0.0,none,2,0,high_burden
DRC,2024,rural,male,50,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2024,urban,female,23,15-24,lowest,1,0,TNM Mpamba,0,0.0,none,10,4,high_burden
Nigeria,2019,rural,male,43,35-44,fourth,0,0,none,0,0.0,none,6,0,high_burden
DRC,2021,urban,male,50,45-54,lowest,1,1,M-Pesa,8,220.69,"loan_repayment,merchant_payment,international_remittance,cash_withdrawal",10,11,high_burden
DRC,2023,urban,female,17,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2019,urban,female,25,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2025,urban,male,70,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2024,rural,male,30,25-34,middle,1,1,Airtel Money,7,54.15,"bill_payment,person_to_person,loan_repayment,airtime_purchase",9,4,high_burden
Niger,2020,rural,male,58,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2024,rural,female,44,35-44,second,1,1,Wari,10,41.7,"savings,airtime_purchase,cash_withdrawal",2,8,high_burden
DRC,2020,urban,female,18,15-24,highest,1,1,M-Pesa,11,52.35,"international_remittance,loan_repayment,cash_withdrawal",10,10,high_burden
Mali,2019,urban,male,73,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2019,rural,male,67,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2025,rural,female,67,55+,second,1,0,Wave,0,0.0,none,2,9,high_burden
Ethiopia,2021,rural,female,60,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2020,urban,female,60,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2024,rural,female,48,45-54,lowest,1,0,Airtel Money,0,0.0,none,10,15,high_burden
Niger,2024,urban,female,35,25-34,lowest,1,1,Moov Money,5,84.53,"merchant_payment,bill_payment,cash_deposit,loan_repayment",2,14,high_burden
Mozambique,2019,urban,female,72,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2024,rural,male,45,35-44,middle,0,0,none,0,0.0,none,1,0,high_burden
Niger,2023,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2019,rural,female,44,35-44,lowest,1,0,Airtel Money,0,0.0,none,7,6,high_burden
Ethiopia,2018,rural,male,70,55+,second,1,0,telebirr,0,0.0,none,2,6,high_burden
Kenya,2022,urban,male,62,55+,second,1,0,Airtel Money,0,0.0,none,7,6,high_burden
Nigeria,2023,urban,male,30,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
DRC,2025,urban,female,16,15-24,fourth,1,1,Airtel Money,14,90.84,"loan_repayment,cash_deposit",10,8,high_burden
Uganda,2018,rural,male,17,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2023,urban,male,66,55+,lowest,1,1,MTN Mobile Money,10,135.41,"loan_repayment,bill_payment,international_remittance,cash_deposit,cash_withdrawal",10,15,high_burden
DRC,2020,rural,male,18,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2022,urban,male,17,15-24,middle,1,1,MTN Mobile Money,12,175.65,"person_to_person,cash_deposit",10,5,high_burden
Mozambique,2020,urban,male,65,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2024,urban,female,37,35-44,second,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2024,urban,female,66,55+,fourth,1,0,M-Pesa,0,0.0,none,2,10,high_burden
Zambia,2021,rural,male,42,35-44,middle,0,0,none,0,0.0,none,1,0,high_burden
DRC,2019,urban,female,18,15-24,second,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2023,rural,female,67,55+,highest,1,1,MTN Mobile Money,11,236.44,"merchant_payment,cash_deposit",6,13,high_burden
Tanzania,2024,rural,female,64,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2020,rural,female,59,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2023,urban,male,18,15-24,second,1,1, PalmPay,7,17.19,"bill_payment,loan_repayment,person_to_person,airtime_purchase",10,15,high_burden
Tanzania,2019,rural,male,61,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2024,urban,male,50,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2018,urban,male,47,45-54,highest,1,0,Paga,0,0.0,none,3,8,high_burden
DRC,2022,rural,female,48,45-54,highest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2024,rural,male,67,55+,highest,1,1,MTN Mobile Money,10,47.04,"loan_repayment,international_remittance,cash_deposit,merchant_payment",4,1,high_burden
Niger,2019,urban,female,29,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2018,rural,female,74,55+,second,1,0,M-Pesa,0,0.0,none,8,9,high_burden
Ghana,2019,urban,female,69,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2018,rural,female,45,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
DRC,2021,rural,male,67,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2024,rural,female,19,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2022,urban,female,42,35-44,highest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2023,rural,female,55,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2024,rural,male,63,55+,second,0,0,none,0,0.0,none,9,0,high_burden
DRC,2022,urban,male,67,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2021,rural,female,48,45-54,second,1,0,MTN Mobile Money,0,0.0,none,10,8,high_burden
Nigeria,2025,urban,male,36,35-44,lowest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2023,rural,male,68,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2023,rural,female,68,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2020,rural,male,33,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,10,6,high_burden
Mozambique,2023,urban,male,34,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2018,urban,male,40,35-44,fourth,1,0,M-Pesa,0,0.0,none,6,5,high_burden
DRC,2023,rural,female,62,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2021,urban,female,58,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2021,rural,male,19,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2024,rural,male,27,25-34,highest,0,0,none,0,0.0,none,4,0,high_burden
Niger,2019,rural,female,63,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2019,rural,male,34,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2023,rural,female,59,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,1,13,high_burden
Tanzania,2020,urban,female,31,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2021,urban,female,36,35-44,second,1,0,FNB eWallet,0,0.0,none,3,10,high_burden
Senegal,2024,rural,male,64,55+,second,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2022,urban,female,56,55+,fourth,1,1,FNB eWallet,8,114.82,"savings,person_to_person,cash_deposit,airtime_purchase,loan_repayment",6,5,high_burden
Ethiopia,2025,rural,male,66,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2022,urban,male,38,35-44,second,1,0,TNM Mpamba,0,0.0,none,4,3,high_burden
South Africa,2021,rural,male,69,55+,fourth,1,0,Vodapay,0,0.0,none,10,7,high_burden
Kenya,2022,rural,female,66,55+,lowest,1,0,M-Pesa,0,0.0,none,6,14,high_burden
Kenya,2021,rural,male,62,55+,lowest,1,1,M-Pesa,4,66.61,"person_to_person,loan_repayment,cash_withdrawal",7,8,high_burden
Mozambique,2023,urban,male,56,55+,middle,1,1,M-Pesa,11,13.38,"bill_payment,merchant_payment",9,10,high_burden
Ethiopia,2021,urban,male,28,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2021,rural,male,27,25-34,middle,1,1,Airtel Money,6,93.66,"cash_deposit,savings,bill_payment,airtime_purchase,loan_repayment",10,10,high_burden
South Africa,2020,urban,male,52,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2019,rural,male,62,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2022,urban,female,33,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
DRC,2018,rural,male,42,35-44,fourth,1,1,Orange Money,5,35.95,"bill_payment,international_remittance,airtime_purchase,person_to_person,cash_deposit",10,6,high_burden
South Africa,2021,urban,female,53,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2024,urban,female,60,55+,middle,1,1,e-Mola,8,131.43,"loan_repayment,bill_payment,cash_withdrawal,airtime_purchase,savings",9,14,high_burden
Niger,2022,rural,female,19,15-24,highest,1,0,Airtel Money,0,0.0,none,10,9,high_burden
DRC,2020,rural,female,17,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2020,urban,female,36,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2025,urban,male,46,45-54,highest,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2024,urban,male,60,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2021,rural,male,33,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2023,urban,male,37,35-44,second,1,1,Airtel Money,13,97.13,"airtime_purchase,bill_payment,cash_deposit,person_to_person,merchant_payment",5,11,high_burden
Niger,2023,urban,female,63,55+,middle,1,1,Airtel Money,13,205.19,"savings,airtime_purchase,loan_repayment",10,6,high_burden
DRC,2025,urban,male,36,35-44,highest,1,0,M-Pesa,0,0.0,none,10,14,high_burden
Tanzania,2020,rural,female,34,25-34,second,1,1,Tigo Pesa,7,59.93,"cash_withdrawal,loan_repayment",8,1,high_burden
Tanzania,2022,rural,male,69,55+,fourth,1,0,Tigo Pesa,0,0.0,none,1,9,high_burden
Uganda,2022,urban,male,31,25-34,middle,1,1,MTN Mobile Money,13,45.4,"cash_withdrawal,person_to_person,cash_deposit",5,5,high_burden
Niger,2024,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2018,urban,male,57,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Mali,2025,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2025,rural,female,48,45-54,second,1,0,Airtel Money,0,0.0,none,3,10,high_burden
Tanzania,2019,rural,male,33,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
DRC,2020,rural,female,48,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2020,rural,female,63,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
DRC,2023,urban,female,16,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2023,urban,male,58,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2023,urban,female,24,15-24,middle,1,1,e-Mola,17,83.38,"loan_repayment,savings",10,14,high_burden
Niger,2019,rural,male,37,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2024,rural,female,21,15-24,second,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2025,rural,female,52,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2021,rural,female,19,15-24,middle,1,0,Airtel Money,0,0.0,none,4,12,high_burden
South Africa,2018,rural,male,42,35-44,second,0,0,none,0,0.0,none,1,0,high_burden
Kenya,2025,rural,male,48,45-54,fourth,1,1,Airtel Money,10,125.5,"loan_repayment,airtime_purchase,cash_withdrawal,international_remittance,person_to_person",3,4,high_burden
South Africa,2025,urban,male,57,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2023,rural,female,40,35-44,highest,1,1,Vodafone Cash,10,90.39,"airtime_purchase,cash_withdrawal,bill_payment,international_remittance",6,14,high_burden
Nigeria,2024,urban,male,37,35-44,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2020,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2024,rural,female,17,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2019,rural,female,46,45-54,middle,1,1,Orange Money,6,69.83,"international_remittance,merchant_payment,cash_deposit,person_to_person,loan_repayment",1,10,high_burden
Ethiopia,2025,rural,male,38,35-44,fourth,1,0,telebirr,0,0.0,none,5,17,high_burden
Zambia,2021,urban,female,28,25-34,middle,1,1,MTN Mobile Money,11,74.54,"airtime_purchase,loan_repayment,person_to_person",7,6,high_burden
Ethiopia,2021,rural,female,44,35-44,lowest,1,1,telebirr,7,84.3,"cash_deposit,person_to_person,loan_repayment,bill_payment,airtime_purchase",2,13,high_burden
Mozambique,2020,urban,male,72,55+,middle,1,0,e-Mola,0,0.0,none,7,4,high_burden
Tanzania,2019,rural,female,33,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2025,rural,male,29,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2019,urban,male,16,15-24,fourth,1,0,M-Pesa,0,0.0,none,5,2,high_burden
Kenya,2021,urban,female,46,45-54,fourth,1,1,M-Pesa,10,185.77,"merchant_payment,person_to_person,bill_payment,cash_deposit,international_remittance",4,9,high_burden
Rwanda,2018,rural,female,17,15-24,highest,1,1,Airtel Money,5,353.87,"cash_deposit,merchant_payment",6,2,high_burden
Kenya,2022,rural,female,43,35-44,highest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2024,rural,female,68,55+,fourth,0,0,none,0,0.0,none,7,0,high_burden
DRC,2023,rural,female,31,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2025,rural,male,52,45-54,highest,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2018,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2021,rural,male,68,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2019,urban,female,60,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Niger,2020,urban,female,48,45-54,fourth,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2021,urban,male,62,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2022,urban,male,44,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2022,rural,male,27,25-34,second,1,0,Wari,0,0.0,none,3,10,high_burden
Tanzania,2018,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2024,rural,male,64,55+,lowest,1,0,Airtel Money,0,0.0,none,7,11,high_burden
Mali,2021,rural,female,67,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2020,rural,male,21,15-24,fourth,1,0,e-Mola,0,0.0,none,3,5,high_burden
Ethiopia,2019,urban,female,34,25-34,middle,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2021,rural,male,38,35-44,lowest,1,1,M-Pesa,9,120.94,"airtime_purchase,savings,cash_withdrawal,bill_payment",6,4,high_burden
Niger,2020,urban,female,35,25-34,second,1,0,Airtel Money,0,0.0,none,10,7,high_burden
DRC,2018,urban,female,72,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2024,urban,female,72,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,5,8,high_burden
South Africa,2018,rural,male,56,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2018,rural,male,27,25-34,fourth,1,0,Wari,0,0.0,none,6,9,high_burden
Tanzania,2018,rural,female,28,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Mali,2023,urban,female,17,15-24,middle,1,1,Orange Money,10,87.6,"cash_withdrawal,person_to_person",3,10,high_burden
Senegal,2018,urban,male,43,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2021,urban,male,51,45-54,highest,1,0,Paga,0,0.0,none,5,4,high_burden
Malawi,2018,urban,female,16,15-24,middle,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2025,rural,male,18,15-24,fourth,1,0,Airtel Money,0,0.0,none,10,10,high_burden
Uganda,2018,urban,male,65,55+,fourth,1,1,MTN Mobile Money,11,95.17,"merchant_payment,international_remittance,savings,cash_withdrawal",7,1,high_burden
Mozambique,2022,rural,male,27,25-34,fourth,1,0,M-Pesa,0,0.0,none,5,12,high_burden
Zambia,2025,rural,female,34,25-34,middle,1,1,Airtel Money,7,83.78,"bill_payment,cash_withdrawal,airtime_purchase",10,5,high_burden
South Africa,2019,rural,male,29,25-34,fourth,1,1,Vodapay,5,41.61,"person_to_person,cash_withdrawal,international_remittance,loan_repayment",10,11,high_burden
Mozambique,2024,rural,male,23,15-24,lowest,1,0,e-Mola,0,0.0,none,7,5,high_burden
DRC,2022,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2018,rural,female,41,35-44,highest,1,0,Paga,0,0.0,none,3,3,high_burden
Mali,2024,urban,male,67,55+,fourth,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2018,rural,female,34,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2018,rural,male,69,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2023,urban,male,72,55+,middle,1,1,Wave,7,60.71,"cash_withdrawal,cash_deposit",7,12,high_burden
Mali,2025,urban,male,15,15-24,highest,1,1,Orange Money,10,90.26,"cash_deposit,international_remittance,merchant_payment,cash_withdrawal",10,1,high_burden
Kenya,2024,rural,female,62,55+,second,1,1,M-Pesa,11,93.98,"loan_repayment,bill_payment,cash_withdrawal",10,4,high_burden
Uganda,2021,urban,male,32,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,7,7,high_burden
Ghana,2025,rural,male,43,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2021,urban,female,30,25-34,second,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2021,urban,male,73,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2025,urban,female,17,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Mali,2019,rural,female,72,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2019,urban,female,15,15-24,lowest,1,0,Airtel Money,0,0.0,none,4,2,high_burden
Tanzania,2020,urban,male,56,55+,lowest,1,1,M-Pesa,13,232.7,"merchant_payment,international_remittance,airtime_purchase,bill_payment",3,2,high_burden
DRC,2022,rural,male,20,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2020,rural,male,62,55+,middle,1,1,Paga,9,29.12,"airtime_purchase,international_remittance",9,6,high_burden
Mozambique,2018,rural,male,17,15-24,highest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2020,urban,female,45,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Mali,2018,urban,male,65,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2021,rural,male,70,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2023,rural,male,54,45-54,highest,1,1,M-Pesa,10,185.37,"cash_deposit,merchant_payment,loan_repayment,savings,airtime_purchase",5,6,high_burden
Mali,2019,urban,female,35,25-34,middle,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2019,rural,female,38,35-44,fourth,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2021,urban,male,19,15-24,second,1,1,Vodafone Cash,7,144.12,"cash_withdrawal,cash_deposit,airtime_purchase,person_to_person",10,9,high_burden
Rwanda,2019,rural,male,22,15-24,second,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2019,rural,male,67,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2023,urban,female,29,25-34,fourth,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2025,urban,male,33,25-34,fourth,1,1,Airtel Money,13,201.4,"cash_withdrawal,cash_deposit,airtime_purchase",10,17,high_burden
Mali,2023,urban,female,56,55+,fourth,1,1,Orange Money,9,62.4,"cash_withdrawal,loan_repayment",6,13,high_burden
Mali,2018,urban,male,23,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2023,rural,male,51,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2025,urban,male,47,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2019,rural,female,17,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2019,rural,female,53,45-54,middle,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2023,urban,male,57,55+,lowest,1,1,Tigo Pesa,9,68.83,"cash_withdrawal,airtime_purchase,international_remittance",2,1,high_burden
Mozambique,2022,urban,male,28,25-34,middle,1,0,M-Pesa,0,0.0,none,10,4,high_burden
South Africa,2025,rural,female,42,35-44,middle,1,0,FNB eWallet,0,0.0,none,1,12,high_burden
Zambia,2020,rural,male,60,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2022,rural,male,15,15-24,highest,1,1,M-Pesa,7,72.34,"cash_deposit,international_remittance",4,14,high_burden
Zambia,2019,rural,male,55,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2025,rural,female,38,35-44,second,1,1,MTN Mobile Money,10,70.2,"savings,merchant_payment,cash_deposit",4,1,high_burden
Mali,2018,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2019,rural,male,26,25-34,highest,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2021,urban,male,35,25-34,lowest,1,1,Airtel Money,12,77.0,"airtime_purchase,loan_repayment,cash_withdrawal,bill_payment",3,9,high_burden
Nigeria,2023,rural,male,47,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Niger,2018,rural,male,21,15-24,middle,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2025,rural,male,43,35-44,middle,1,1,Airtel Money,6,127.81,"loan_repayment,international_remittance,cash_withdrawal,person_to_person",1,5,high_burden
Nigeria,2022,urban,male,70,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
DRC,2022,rural,female,24,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2021,rural,male,63,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2024,rural,male,16,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2022,urban,female,16,15-24,highest,1,1,Airtel Money,10,105.76,"person_to_person,airtime_purchase,merchant_payment",8,2,high_burden
Ghana,2022,urban,male,33,25-34,lowest,1,1,AirtelTigo Money,15,360.65,"cash_withdrawal,loan_repayment,bill_payment,cash_deposit,person_to_person",8,4,high_burden
Rwanda,2021,urban,female,38,35-44,lowest,1,1,MTN Mobile Money,16,151.88,"loan_repayment,person_to_person,merchant_payment,bill_payment",7,4,high_burden
Senegal,2024,urban,male,56,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2020,rural,female,49,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2021,urban,female,68,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2021,rural,male,66,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2022,rural,male,19,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2025,urban,male,23,15-24,middle,1,1,MTN Mobile Money,16,162.7,"merchant_payment,savings",4,6,high_burden
Rwanda,2021,urban,male,63,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2021,rural,female,27,25-34,middle,1,0,M-Pesa,0,0.0,none,7,3,high_burden
Malawi,2025,rural,female,25,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2024,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2025,urban,female,74,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2024,rural,female,57,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2019,rural,female,32,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2020,rural,male,66,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2020,rural,female,46,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2022,urban,male,50,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
DRC,2019,rural,female,60,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2019,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2025,rural,male,19,15-24,highest,1,0,Vodafone Cash,0,0.0,none,9,10,high_burden
Tanzania,2024,rural,male,56,55+,lowest,1,0,M-Pesa,0,0.0,none,2,8,high_burden
South Africa,2018,rural,female,18,15-24,highest,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2022,rural,male,60,55+,fourth,1,1,Wari,10,44.67,"merchant_payment,person_to_person,cash_withdrawal",1,14,high_burden
Nigeria,2023,rural,female,61,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2024,rural,female,60,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2019,rural,male,26,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2025,urban,male,41,35-44,highest,1,1,M-Pesa,10,48.72,"loan_repayment,airtime_purchase",2,10,high_burden
Ghana,2018,rural,female,29,25-34,second,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2020,rural,female,70,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Niger,2024,urban,male,18,15-24,second,1,1,Moov Money,16,95.35,"cash_withdrawal,person_to_person,international_remittance,airtime_purchase",5,13,high_burden
Zambia,2025,urban,female,60,55+,second,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2020,urban,male,50,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2019,urban,female,69,55+,middle,1,1,MTN Mobile Money,11,57.04,"loan_repayment,airtime_purchase,cash_deposit",10,10,high_burden
Ghana,2019,rural,male,33,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,4,2,high_burden
Mali,2023,urban,male,31,25-34,second,1,1,Moov Money,10,61.46,"loan_repayment,cash_deposit,cash_withdrawal,airtime_purchase,person_to_person",8,5,high_burden
Ethiopia,2019,rural,male,29,25-34,highest,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2023,urban,female,47,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2018,rural,female,70,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2018,rural,male,64,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2020,urban,male,48,45-54,highest,1,0,Orange Money,0,0.0,none,9,12,high_burden
Rwanda,2022,rural,female,18,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2025,rural,female,20,15-24,lowest,1,0,MTN Mobile Money,0,0.0,none,3,7,high_burden
South Africa,2023,urban,female,35,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,4,8,high_burden
Mali,2019,rural,male,53,45-54,middle,0,0,none,0,0.0,none,1,0,high_burden
Kenya,2024,urban,male,34,25-34,fourth,1,0,M-Pesa,0,0.0,none,7,16,high_burden
Mali,2025,urban,female,38,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2019,rural,male,44,35-44,middle,0,0,none,0,0.0,none,1,0,high_burden
Mali,2020,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Niger,2023,urban,male,17,15-24,highest,1,1,Airtel Money,13,123.63,"cash_withdrawal,international_remittance,person_to_person,savings,airtime_purchase",9,9,high_burden
Ghana,2019,urban,female,16,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2022,urban,female,43,35-44,middle,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2022,urban,female,33,25-34,fourth,1,0,FNB eWallet,0,0.0,none,8,3,high_burden
Mozambique,2018,urban,female,71,55+,highest,1,0,M-Pesa,0,0.0,none,10,7,high_burden
DRC,2021,urban,female,24,15-24,fourth,1,0,Airtel Money,0,0.0,none,10,2,high_burden
Ethiopia,2023,rural,male,15,15-24,fourth,1,0,telebirr,0,0.0,none,4,3,high_burden
Mali,2024,rural,male,41,35-44,lowest,1,1,Orange Money,10,140.97,"cash_deposit,bill_payment,loan_repayment,merchant_payment,cash_withdrawal",1,11,high_burden
Kenya,2024,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2025,rural,female,40,35-44,highest,0,0,none,0,0.0,none,1,0,high_burden
Kenya,2023,rural,male,38,35-44,lowest,1,0,Airtel Money,0,0.0,none,4,14,high_burden
Malawi,2018,urban,female,46,45-54,highest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2019,urban,male,36,35-44,middle,1,0, PalmPay,0,0.0,none,6,5,high_burden
Tanzania,2020,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2018,rural,female,45,35-44,lowest,1,0,M-Pesa,0,0.0,none,9,4,high_burden
Mali,2023,urban,male,74,55+,middle,1,1,Moov Money,6,97.84,"savings,airtime_purchase",3,7,high_burden
Kenya,2024,urban,male,48,45-54,second,1,1,M-Pesa,10,50.3,"merchant_payment,bill_payment,airtime_purchase,cash_withdrawal,cash_deposit",5,10,high_burden
Tanzania,2024,urban,male,25,15-24,highest,1,0,Tigo Pesa,0,0.0,none,3,12,high_burden
Nigeria,2019,rural,female,39,35-44,middle,0,0,none,0,0.0,none,5,0,high_burden
DRC,2018,rural,male,21,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2024,rural,male,42,35-44,middle,1,1,Airtel Money,10,81.56,"airtime_purchase,person_to_person",10,8,high_burden
Malawi,2025,rural,female,65,55+,middle,1,0,Airtel Money,0,0.0,none,6,14,high_burden
Senegal,2022,rural,male,24,15-24,lowest,1,0,Orange Money,0,0.0,none,10,1,high_burden
Ethiopia,2024,rural,female,19,15-24,middle,1,0,telebirr,0,0.0,none,9,16,high_burden
Mozambique,2025,rural,female,20,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mali,2021,rural,female,64,55+,highest,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2020,rural,male,36,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2022,rural,male,19,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2018,rural,male,18,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Mali,2025,rural,male,61,55+,middle,1,1,Moov Money,17,87.55,"cash_withdrawal,person_to_person,loan_repayment,savings,merchant_payment",10,10,high_burden
DRC,2019,rural,female,46,45-54,highest,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2022,urban,male,54,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2023,urban,female,72,55+,fourth,1,0,Tigo Pesa,0,0.0,none,8,7,high_burden
Nigeria,2018,rural,male,58,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Niger,2022,rural,female,39,35-44,second,0,0,none,0,0.0,none,1,0,high_burden
Rwanda,2021,rural,male,52,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,6,11,high_burden
Niger,2020,rural,male,45,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
DRC,2018,rural,male,38,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2025,rural,female,70,55+,middle,1,1,MTN Mobile Money,8,201.81,"merchant_payment,savings,person_to_person",2,5,high_burden
DRC,2023,urban,male,68,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2018,rural,male,54,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2025,rural,female,35,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2024,rural,male,37,35-44,lowest,1,1,telebirr,6,91.46,"airtime_purchase,person_to_person",4,10,high_burden
Kenya,2024,urban,male,18,15-24,highest,1,0,M-Pesa,0,0.0,none,6,14,high_burden
Ghana,2022,rural,female,47,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2025,rural,female,59,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2021,rural,female,29,25-34,middle,1,1,OPay,7,61.96,"airtime_purchase,loan_repayment,savings,cash_deposit",9,6,high_burden
Kenya,2019,urban,female,15,15-24,lowest,1,1,Airtel Money,15,272.87,"airtime_purchase,cash_deposit,merchant_payment",10,8,high_burden
South Africa,2019,rural,female,15,15-24,highest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2025,rural,female,17,15-24,lowest,1,1,Airtel Money,8,66.53,"bill_payment,cash_withdrawal,loan_repayment",6,5,high_burden
Tanzania,2023,rural,male,15,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2022,urban,female,21,15-24,fourth,1,0,Airtel Money,0,0.0,none,9,14,high_burden
Mali,2021,urban,male,66,55+,second,1,0,Moov Money,0,0.0,none,9,9,high_burden
Senegal,2025,urban,male,22,15-24,highest,1,0,Wari,0,0.0,none,10,5,high_burden
DRC,2020,rural,male,22,15-24,lowest,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2021,urban,female,72,55+,second,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2019,urban,male,19,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
DRC,2022,rural,male,16,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2018,rural,female,33,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,6,2,high_burden
Mozambique,2022,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2024,rural,male,42,35-44,middle,1,0,OPay,0,0.0,none,10,10,high_burden
Mozambique,2020,rural,male,47,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2018,rural,male,34,25-34,fourth,1,1,Airtel Money,7,89.86,"loan_repayment,cash_deposit,savings,international_remittance",8,3,high_burden
Mali,2018,urban,male,57,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2020,urban,female,69,55+,fourth,1,1,MTN Mobile Money,10,66.93,"cash_deposit,airtime_purchase",2,1,high_burden
Ethiopia,2024,rural,male,67,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Niger,2019,urban,female,57,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2018,urban,male,37,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Mali,2019,rural,male,35,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2018,urban,male,35,25-34,highest,1,0,OPay,0,0.0,none,6,3,high_burden
Mali,2022,urban,male,41,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2024,urban,male,56,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2018,rural,female,66,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2018,urban,male,68,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2023,urban,male,38,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2019,urban,female,61,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2024,rural,male,17,15-24,highest,1,0,M-Pesa,0,0.0,none,9,8,high_burden
Nigeria,2025,urban,male,31,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2022,urban,male,50,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2021,rural,male,52,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2018,urban,male,48,45-54,middle,1,0,TNM Mpamba,0,0.0,none,3,2,high_burden
Ethiopia,2018,rural,male,29,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2024,rural,male,71,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2021,rural,female,55,45-54,middle,1,0,M-Pesa,0,0.0,none,2,2,high_burden
DRC,2021,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2025,rural,male,49,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,2,16,high_burden
South Africa,2025,rural,female,58,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2018,rural,male,61,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2019,rural,male,33,25-34,fourth,0,0,none,0,0.0,none,8,0,high_burden
Niger,2020,urban,female,19,15-24,fourth,1,0,Airtel Money,0,0.0,none,7,9,high_burden
Ethiopia,2018,rural,female,70,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2020,rural,female,60,55+,second,0,0,none,0,0.0,none,6,0,high_burden
DRC,2023,rural,female,28,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2018,rural,female,65,55+,lowest,1,0,Airtel Money,0,0.0,none,8,2,high_burden
Kenya,2024,rural,male,45,35-44,middle,1,0,M-Pesa,0,0.0,none,10,10,high_burden
Zambia,2020,urban,female,31,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,10,11,high_burden
Mali,2025,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2020,urban,male,61,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2021,rural,male,70,55+,fourth,1,1,MTN Mobile Money,9,30.03,"person_to_person,cash_deposit",2,4,high_burden
Mozambique,2021,urban,female,50,45-54,fourth,1,0,M-Pesa,0,0.0,none,10,4,high_burden
Ghana,2018,rural,male,48,45-54,middle,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2025,rural,male,44,35-44,highest,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2022,rural,female,41,35-44,middle,1,1,e-Mola,8,67.84,"person_to_person,savings,cash_withdrawal,bill_payment",4,10,high_burden
Uganda,2020,rural,male,30,25-34,second,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2022,rural,male,23,15-24,middle,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2022,urban,female,68,55+,middle,1,0,Airtel Money,0,0.0,none,10,14,high_burden
Malawi,2022,rural,male,22,15-24,middle,1,0,Airtel Money,0,0.0,none,7,4,high_burden
Tanzania,2023,rural,female,25,15-24,lowest,1,1,Tigo Pesa,4,347.86,"international_remittance,merchant_payment,person_to_person",10,5,high_burden
Ethiopia,2025,urban,female,58,55+,highest,1,0,telebirr,0,0.0,none,10,14,high_burden
Ghana,2021,rural,male,68,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2022,rural,male,40,35-44,fourth,1,0,OPay,0,0.0,none,8,8,high_burden
DRC,2024,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2020,rural,male,18,15-24,second,1,0,TNM Mpamba,0,0.0,none,10,7,high_burden
Mozambique,2018,rural,male,52,45-54,highest,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2023,rural,male,51,45-54,second,1,1,Airtel Money,4,20.04,"cash_deposit,airtime_purchase,international_remittance,savings,cash_withdrawal",8,7,high_burden
Malawi,2021,urban,female,47,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Niger,2022,rural,female,19,15-24,second,0,0,none,0,0.0,none,3,0,high_burden
DRC,2022,urban,male,61,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2018,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2024,urban,male,73,55+,lowest,1,1,Airtel Money,18,86.81,"bill_payment,person_to_person",2,16,high_burden
Tanzania,2025,urban,male,60,55+,second,1,1,Tigo Pesa,16,82.42,"international_remittance,cash_deposit",2,3,high_burden
Senegal,2022,rural,male,27,25-34,lowest,1,1,Orange Money,7,89.77,"savings,loan_repayment",10,5,high_burden
Mali,2021,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2021,rural,female,16,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2023,urban,male,72,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2021,rural,male,31,25-34,fourth,1,1,Wave,10,47.41,"international_remittance,bill_payment",7,10,high_burden
Mali,2022,urban,male,54,45-54,second,1,1,Orange Money,15,65.14,"cash_withdrawal,bill_payment,international_remittance,person_to_person,cash_deposit",5,7,high_burden
South Africa,2023,rural,female,22,15-24,highest,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2020,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2021,rural,female,74,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Niger,2021,urban,male,67,55+,lowest,1,1,Moov Money,16,155.68,"airtime_purchase,bill_payment,loan_repayment,cash_withdrawal",7,8,high_burden
Malawi,2018,urban,male,26,25-34,fourth,1,1,Airtel Money,10,85.52,"savings,loan_repayment,bill_payment,merchant_payment,person_to_person",5,3,high_burden
Ghana,2020,rural,male,18,15-24,middle,0,0,none,0,0.0,none,4,0,high_burden
Niger,2020,urban,male,23,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2021,rural,female,42,35-44,highest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2019,rural,male,19,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2019,urban,male,24,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2025,urban,male,68,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2023,rural,male,71,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2021,rural,male,48,45-54,second,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2018,rural,male,62,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2020,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mali,2024,rural,male,50,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2022,urban,female,65,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2019,rural,male,31,25-34,second,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2020,urban,female,64,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2021,rural,male,65,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2018,urban,male,66,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,6,9,high_burden
Mali,2025,rural,male,46,45-54,fourth,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2024,urban,female,74,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2024,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2018,rural,female,34,25-34,middle,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2021,rural,female,30,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2019,urban,male,55,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2022,rural,male,48,45-54,second,1,0,Airtel Money,0,0.0,none,4,5,high_burden
Senegal,2022,rural,female,29,25-34,lowest,1,0,Orange Money,0,0.0,none,3,9,high_burden
Kenya,2020,urban,female,68,55+,middle,1,1,Airtel Money,13,142.46,"international_remittance,loan_repayment",3,5,high_burden
Niger,2022,urban,male,70,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2025,rural,female,54,45-54,highest,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2023,rural,female,46,45-54,lowest,1,1,TNM Mpamba,6,126.99,"international_remittance,savings,cash_deposit,airtime_purchase",3,11,high_burden
Niger,2023,urban,male,52,45-54,fourth,1,1,Airtel Money,13,40.63,"savings,international_remittance",10,15,high_burden
Uganda,2018,rural,male,63,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2020,rural,female,21,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Niger,2018,rural,female,65,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Niger,2018,rural,male,53,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2019,urban,female,33,25-34,middle,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2019,urban,female,18,15-24,fourth,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2021,rural,male,52,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2020,rural,male,70,55+,fourth,1,0,Airtel Money,0,0.0,none,8,4,high_burden
Ethiopia,2021,urban,male,22,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Niger,2021,rural,male,70,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2020,rural,female,45,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2023,rural,female,64,55+,second,1,1,MTN Mobile Money,8,104.43,"international_remittance,loan_repayment",5,15,high_burden
Ethiopia,2024,urban,male,24,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2021,urban,male,65,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2018,urban,female,62,55+,second,1,1,Vodapay,18,54.83,"person_to_person,cash_withdrawal",3,9,high_burden
Ghana,2023,urban,female,61,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2023,rural,female,62,55+,second,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2022,urban,male,51,45-54,highest,0,0,none,0,0.0,none,4,0,high_burden
Niger,2021,rural,female,43,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2025,urban,female,50,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Mali,2019,urban,male,65,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2024,urban,female,68,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2019,urban,female,40,35-44,second,1,0,M-Pesa,0,0.0,none,3,9,high_burden
Ghana,2020,rural,male,62,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,4,10,high_burden
Malawi,2022,rural,female,39,35-44,fourth,1,0,Airtel Money,0,0.0,none,6,9,high_burden
Mozambique,2025,rural,male,53,45-54,second,1,1,e-Mola,5,32.87,"cash_withdrawal,person_to_person,merchant_payment,bill_payment,cash_deposit",5,16,high_burden
Mali,2024,rural,male,60,55+,highest,1,1,Orange Money,9,47.54,"cash_deposit,airtime_purchase,savings,international_remittance",5,2,high_burden
Niger,2019,urban,female,32,25-34,highest,1,1,Moov Money,14,75.85,"person_to_person,savings,merchant_payment",9,5,high_burden
Kenya,2024,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2021,urban,male,47,45-54,second,1,1,MTN Mobile Money,16,35.51,"bill_payment,person_to_person",9,7,high_burden
Malawi,2019,urban,male,61,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2021,urban,male,42,35-44,fourth,1,1,MTN Mobile Money,11,217.48,"merchant_payment,loan_repayment,cash_withdrawal,savings,international_remittance",2,9,high_burden
South Africa,2024,rural,female,35,25-34,fourth,1,0,FNB eWallet,0,0.0,none,1,4,high_burden
Mali,2021,urban,male,32,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2025,urban,male,41,35-44,lowest,1,0,M-Pesa,0,0.0,none,7,13,high_burden
DRC,2021,urban,male,61,55+,lowest,1,0,Airtel Money,0,0.0,none,6,6,high_burden
Mali,2023,urban,male,15,15-24,second,1,1,Orange Money,4,102.62,"airtime_purchase,merchant_payment,international_remittance,cash_withdrawal,savings",4,9,high_burden
Senegal,2022,urban,female,61,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2022,rural,male,43,35-44,second,1,1,Wari,8,334.84,"person_to_person,cash_withdrawal",6,12,high_burden
Ghana,2021,urban,female,17,15-24,lowest,1,1,MTN Mobile Money,11,128.53,"merchant_payment,airtime_purchase",5,12,high_burden
Mali,2021,rural,female,49,45-54,highest,1,0,Orange Money,0,0.0,none,8,3,high_burden
Uganda,2021,rural,male,49,45-54,middle,1,1,Airtel Money,7,23.81,"loan_repayment,cash_withdrawal",7,12,high_burden
Nigeria,2019,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2021,urban,female,41,35-44,highest,1,1,Moov Money,10,86.9,"savings,cash_withdrawal,airtime_purchase,cash_deposit,merchant_payment",10,6,high_burden
Rwanda,2020,rural,female,62,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2018,urban,female,65,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2025,rural,female,40,35-44,highest,1,0,M-Birr,0,0.0,none,10,7,high_burden
Niger,2022,rural,male,51,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2021,rural,male,61,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Niger,2022,rural,male,56,55+,highest,1,1,Airtel Money,9,156.53,"international_remittance,cash_withdrawal",4,1,high_burden
DRC,2023,rural,male,25,15-24,fourth,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2020,urban,female,52,45-54,lowest,1,0,M-Pesa,0,0.0,none,8,6,high_burden
Malawi,2020,rural,male,58,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2022,rural,female,20,15-24,fourth,0,0,none,0,0.0,none,3,0,high_burden
DRC,2025,rural,male,22,15-24,middle,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2019,urban,female,65,55+,highest,1,1,MTN Mobile Money,15,72.64,"bill_payment,merchant_payment,cash_deposit,savings",10,3,high_burden
Kenya,2024,urban,male,69,55+,second,1,1,Airtel Money,10,216.31,"merchant_payment,cash_deposit,cash_withdrawal,airtime_purchase,savings",3,14,high_burden
Zambia,2022,rural,male,49,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2025,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2020,rural,male,26,25-34,middle,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2021,urban,female,20,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2020,urban,male,33,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2023,urban,male,23,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2019,urban,female,30,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,4,6,high_burden
Ghana,2024,rural,male,61,55+,second,1,1,MTN Mobile Money,6,187.38,"airtime_purchase,cash_withdrawal,bill_payment,merchant_payment,savings",7,8,high_burden
Niger,2019,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2019,rural,male,33,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,10,8,high_burden
Malawi,2018,urban,female,33,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2020,urban,female,32,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2023,urban,female,40,35-44,fourth,1,0,Airtel Money,0,0.0,none,8,12,high_burden
South Africa,2021,urban,female,17,15-24,lowest,1,1,MTN Mobile Money,9,71.81,"bill_payment,international_remittance,merchant_payment,loan_repayment",10,5,high_burden
DRC,2025,rural,male,25,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
DRC,2019,rural,male,63,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2020,rural,male,31,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2023,rural,female,53,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2023,urban,male,60,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2018,urban,female,61,55+,lowest,1,1,Airtel Money,9,88.71,"airtime_purchase,person_to_person,cash_deposit",7,1,high_burden
Zambia,2022,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2018,rural,male,69,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2019,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2024,urban,female,43,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2020,urban,male,44,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2024,rural,female,32,25-34,middle,1,0,Tigo Pesa,0,0.0,none,7,15,high_burden
Tanzania,2022,rural,male,52,45-54,second,1,1,Tigo Pesa,4,32.63,"bill_payment,airtime_purchase,person_to_person,cash_withdrawal",3,14,high_burden
South Africa,2024,rural,female,41,35-44,middle,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2021,rural,female,26,25-34,fourth,1,1,TNM Mpamba,10,115.17,"loan_repayment,bill_payment",6,8,high_burden
Tanzania,2019,urban,male,53,45-54,fourth,0,0,none,0,0.0,none,9,0,high_burden
Niger,2021,rural,male,58,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2023,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2022,rural,female,24,15-24,highest,1,1,Orange Money,8,46.14,"international_remittance,loan_repayment,bill_payment,airtime_purchase,savings",10,1,high_burden
Mozambique,2022,rural,female,56,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2025,rural,male,30,25-34,middle,1,1,MTN Mobile Money,6,121.02,"merchant_payment,person_to_person,airtime_purchase,bill_payment",10,5,high_burden
Tanzania,2018,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Niger,2021,urban,female,71,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2018,urban,female,60,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2023,urban,male,64,55+,middle,1,1,MTN Mobile Money,13,82.24,"cash_withdrawal,loan_repayment,person_to_person,airtime_purchase,bill_payment",9,12,high_burden
South Africa,2024,rural,male,57,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Mali,2023,urban,female,70,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2024,rural,male,48,45-54,highest,1,0,M-Pesa,0,0.0,none,1,13,high_burden
Tanzania,2025,rural,male,39,35-44,highest,1,1,Airtel Money,5,286.96,"person_to_person,merchant_payment",5,1,high_burden
Senegal,2018,urban,female,19,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2023,rural,female,59,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2019,urban,female,46,45-54,lowest,1,0,M-Pesa,0,0.0,none,10,11,high_burden
Nigeria,2024,urban,female,42,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2023,urban,male,69,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2024,rural,female,64,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2022,urban,male,47,45-54,fourth,1,1,M-Pesa,11,83.59,"international_remittance,person_to_person",3,5,high_burden
Tanzania,2024,urban,female,67,55+,middle,1,0,Airtel Money,0,0.0,none,2,3,high_burden
Kenya,2022,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2022,rural,male,15,15-24,lowest,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2019,urban,male,63,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2023,urban,male,28,25-34,middle,1,0,Airtel Money,0,0.0,none,4,14,high_burden
DRC,2019,rural,female,25,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mali,2021,rural,female,16,15-24,highest,1,0,Moov Money,0,0.0,none,3,13,high_burden
Kenya,2023,urban,male,28,25-34,middle,1,0,Airtel Money,0,0.0,none,10,5,high_burden
Ghana,2024,rural,male,69,55+,middle,1,0,AirtelTigo Money,0,0.0,none,7,5,high_burden
Zambia,2020,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2019,rural,female,47,45-54,middle,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2024,urban,female,59,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2019,rural,female,72,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2024,rural,female,72,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2018,urban,female,36,35-44,second,1,1,Airtel Money,14,30.55,"cash_withdrawal,loan_repayment,airtime_purchase,international_remittance",10,8,high_burden
DRC,2019,urban,male,20,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2023,urban,male,31,25-34,highest,1,0,Wari,0,0.0,none,3,15,high_burden
Uganda,2024,rural,female,28,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2020,urban,male,17,15-24,highest,0,0,none,0,0.0,none,5,0,high_burden
Niger,2022,urban,male,22,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2018,urban,female,70,55+,fourth,1,1,M-Pesa,14,97.21,"bill_payment,savings",2,5,high_burden
Senegal,2022,rural,female,71,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2019,rural,female,27,25-34,highest,1,0,Wave,0,0.0,none,3,7,high_burden
Mali,2024,rural,male,58,55+,middle,1,0,Moov Money,0,0.0,none,2,12,high_burden
Niger,2020,urban,male,68,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2019,urban,male,30,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2022,rural,male,23,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2018,urban,male,51,45-54,fourth,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2020,rural,female,32,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2018,urban,female,47,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2024,rural,male,66,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2021,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2019,rural,male,38,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2020,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2022,rural,male,33,25-34,fourth,0,0,none,0,0.0,none,8,0,high_burden
DRC,2023,rural,male,30,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2021,urban,female,22,15-24,fourth,1,0,M-Birr,0,0.0,none,7,1,high_burden
Rwanda,2023,rural,male,59,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2024,rural,male,48,45-54,middle,1,0,M-Pesa,0,0.0,none,3,3,high_burden
DRC,2018,urban,female,45,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2022,rural,male,37,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mali,2020,rural,male,73,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2021,rural,female,33,25-34,lowest,1,0,Wari,0,0.0,none,3,1,high_burden
Malawi,2022,urban,male,45,35-44,second,1,1,Airtel Money,13,360.43,"cash_deposit,person_to_person,bill_payment,merchant_payment,loan_repayment",3,4,high_burden
Kenya,2023,rural,female,44,35-44,highest,1,0,M-Pesa,0,0.0,none,5,4,high_burden
Ghana,2025,rural,female,69,55+,highest,1,1,Vodafone Cash,8,207.26,"loan_repayment,cash_deposit,merchant_payment,airtime_purchase,savings",10,11,high_burden
Kenya,2025,urban,female,65,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Mali,2023,urban,male,48,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2021,rural,male,38,35-44,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2022,urban,male,49,45-54,fourth,1,0, PalmPay,0,0.0,none,7,11,high_burden
South Africa,2020,rural,female,27,25-34,middle,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2025,rural,male,39,35-44,fourth,1,1,M-Pesa,13,77.24,"cash_withdrawal,merchant_payment,loan_repayment,international_remittance,savings",8,7,high_burden
Uganda,2025,rural,female,67,55+,second,1,0,MTN Mobile Money,0,0.0,none,7,12,high_burden
Rwanda,2024,urban,female,70,55+,middle,1,0,MTN Mobile Money,0,0.0,none,8,4,high_burden
Nigeria,2023,urban,female,58,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2021,rural,female,17,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2020,rural,male,45,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2019,rural,female,67,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2019,rural,male,58,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Niger,2019,rural,male,59,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2023,urban,female,50,45-54,highest,1,1,Zamtel Kwacha,11,38.44,"loan_repayment,bill_payment,merchant_payment",10,3,high_burden
Ghana,2025,urban,female,57,55+,fourth,1,1,MTN Mobile Money,10,69.62,"cash_withdrawal,loan_repayment,person_to_person,international_remittance,savings",5,13,high_burden
Ethiopia,2019,urban,female,49,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mali,2019,urban,female,47,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2018,urban,female,21,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Mali,2020,urban,female,65,55+,middle,1,0,Moov Money,0,0.0,none,3,9,high_burden
Uganda,2023,rural,female,65,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2018,rural,male,38,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2023,rural,male,43,35-44,lowest,1,0,Airtel Money,0,0.0,none,7,12,high_burden
Senegal,2022,rural,male,63,55+,middle,1,0,Wave,0,0.0,none,9,10,high_burden
Tanzania,2021,urban,female,56,55+,middle,1,0,Airtel Money,0,0.0,none,7,9,high_burden
Kenya,2023,urban,female,50,45-54,lowest,1,1,M-Pesa,13,141.15,"merchant_payment,savings,airtime_purchase,bill_payment",10,15,high_burden
Uganda,2019,urban,female,70,55+,lowest,1,0,Airtel Money,0,0.0,none,9,10,high_burden
DRC,2019,urban,female,54,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2024,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,1,0,high_burden
Ghana,2024,urban,female,30,25-34,fourth,1,1,AirtelTigo Money,15,52.81,"cash_withdrawal,international_remittance,savings,loan_repayment",10,13,high_burden
Mali,2022,rural,male,25,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Niger,2019,urban,male,48,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2023,urban,female,53,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2019,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2025,urban,female,25,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2022,rural,female,32,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
Mali,2024,urban,male,66,55+,lowest,1,0,Moov Money,0,0.0,none,10,8,high_burden
Kenya,2025,urban,male,56,55+,highest,1,1,Airtel Money,15,26.5,"savings,merchant_payment,loan_repayment",2,5,high_burden
Mozambique,2023,rural,female,47,45-54,second,1,0,e-Mola,0,0.0,none,3,12,high_burden
Nigeria,2020,urban,male,30,25-34,highest,0,0,none,0,0.0,none,7,0,high_burden
DRC,2019,rural,male,33,25-34,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2025,urban,female,41,35-44,fourth,1,1,Paga,13,170.75,"airtime_purchase,person_to_person,savings,bill_payment",6,13,high_burden
Kenya,2019,urban,male,56,55+,second,1,0,Airtel Money,0,0.0,none,7,3,high_burden
Mali,2025,rural,male,54,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2022,rural,male,61,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2023,rural,female,74,55+,second,1,1,MTN Mobile Money,3,269.69,"cash_deposit,cash_withdrawal",10,7,high_burden
Niger,2023,rural,male,38,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2023,urban,male,42,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2022,urban,female,60,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
DRC,2020,rural,male,43,35-44,fourth,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2023,rural,female,43,35-44,second,1,0,Orange Money,0,0.0,none,3,14,high_burden
Nigeria,2022,urban,female,56,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2022,rural,female,40,35-44,highest,1,0,M-Pesa,0,0.0,none,10,5,high_burden
DRC,2023,rural,male,62,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2022,urban,male,54,45-54,fourth,1,0,M-Pesa,0,0.0,none,2,12,high_burden
DRC,2022,urban,male,68,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2023,rural,female,45,35-44,fourth,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2020,urban,male,37,35-44,second,1,1,MTN Mobile Money,12,150.5,"international_remittance,cash_withdrawal",5,8,high_burden
Zambia,2022,rural,male,28,25-34,fourth,0,0,none,0,0.0,none,7,0,high_burden
Mali,2020,rural,male,20,15-24,lowest,1,1,Orange Money,5,194.7,"savings,person_to_person,international_remittance",8,7,high_burden
South Africa,2022,urban,male,69,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2022,urban,female,74,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2020,urban,male,20,15-24,lowest,1,0,Orange Money,0,0.0,none,7,4,high_burden
Senegal,2023,urban,female,70,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2020,rural,male,24,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2021,rural,female,73,55+,fourth,1,0,e-Mola,0,0.0,none,1,10,high_burden
Mali,2018,urban,male,50,45-54,highest,1,0,Moov Money,0,0.0,none,3,5,high_burden
Mali,2024,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Niger,2019,urban,female,41,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2023,rural,male,50,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2019,urban,male,54,45-54,highest,1,0,MTN Mobile Money,0,0.0,none,10,6,high_burden
Zambia,2020,rural,male,61,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mali,2022,rural,female,69,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2019,urban,female,74,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2020,urban,female,34,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2018,rural,male,28,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2021,rural,female,69,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2025,rural,female,42,35-44,fourth,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2022,rural,male,26,25-34,lowest,1,0,OPay,0,0.0,none,8,4,high_burden
Rwanda,2021,rural,female,68,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Niger,2025,urban,male,25,15-24,fourth,1,0,Moov Money,0,0.0,none,9,7,high_burden
Ghana,2018,rural,female,74,55+,second,1,0,Vodafone Cash,0,0.0,none,10,10,high_burden
Zambia,2025,urban,female,15,15-24,highest,1,0,Zamtel Kwacha,0,0.0,none,10,9,high_burden
Uganda,2020,rural,female,58,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2020,urban,male,41,35-44,second,1,1, PalmPay,23,234.66,"cash_withdrawal,airtime_purchase",5,6,high_burden
Mozambique,2024,rural,male,71,55+,middle,1,1,e-Mola,10,100.33,"loan_repayment,savings,cash_deposit",1,5,high_burden
Senegal,2023,rural,female,71,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2020,urban,male,25,15-24,middle,1,1,TNM Mpamba,12,163.69,"cash_withdrawal,international_remittance,loan_repayment,person_to_person,airtime_purchase",6,4,high_burden
Uganda,2020,rural,male,43,35-44,highest,1,1,Airtel Money,10,54.73,"person_to_person,cash_withdrawal,loan_repayment,airtime_purchase",1,10,high_burden
Uganda,2020,rural,female,26,25-34,middle,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2023,rural,male,25,15-24,middle,1,0,telebirr,0,0.0,none,8,11,high_burden
Zambia,2020,urban,female,40,35-44,fourth,1,1,MTN Mobile Money,16,85.08,"loan_repayment,bill_payment,international_remittance,merchant_payment",5,12,high_burden
Rwanda,2020,urban,female,23,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2023,urban,male,71,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,5,10,high_burden
Ghana,2018,urban,female,70,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2024,urban,male,65,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2024,rural,male,74,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2019,urban,male,57,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Mali,2022,rural,male,48,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2018,rural,female,26,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2025,rural,female,53,45-54,fourth,1,1,Airtel Money,7,68.84,"merchant_payment,international_remittance",4,2,high_burden
Mali,2023,urban,male,33,25-34,second,1,1,Orange Money,9,251.42,"cash_deposit,person_to_person,merchant_payment",10,14,high_burden
Zambia,2020,rural,female,61,55+,second,1,0,MTN Mobile Money,0,0.0,none,9,6,high_burden
Rwanda,2024,urban,male,66,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2020,rural,male,16,15-24,highest,1,0,Orange Money,0,0.0,none,10,10,high_burden
Senegal,2021,rural,male,54,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2019,urban,male,49,45-54,highest,1,0,Airtel Money,0,0.0,none,2,8,high_burden
Mali,2023,rural,female,40,35-44,middle,1,1,Orange Money,12,60.62,"airtime_purchase,bill_payment,cash_withdrawal",3,8,high_burden
Ghana,2020,urban,female,19,15-24,second,1,0,MTN Mobile Money,0,0.0,none,4,11,high_burden
Kenya,2021,rural,female,70,55+,lowest,1,0,M-Pesa,0,0.0,none,4,5,high_burden
Tanzania,2025,urban,male,29,25-34,middle,1,1,Airtel Money,10,101.65,"savings,international_remittance",4,6,high_burden
Malawi,2023,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2020,rural,male,44,35-44,highest,1,0,M-Birr,0,0.0,none,10,6,high_burden
Ghana,2025,urban,female,46,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2018,rural,male,67,55+,middle,1,0,M-Pesa,0,0.0,none,9,2,high_burden
Tanzania,2022,rural,male,74,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2018,urban,male,54,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2022,urban,female,16,15-24,second,1,1,Airtel Money,18,65.18,"merchant_payment,person_to_person,airtime_purchase,bill_payment",10,11,high_burden
Zambia,2018,rural,female,57,55+,middle,0,0,none,0,0.0,none,1,0,high_burden
DRC,2023,urban,female,34,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2019,rural,male,39,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2019,rural,male,21,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2025,urban,female,16,15-24,second,1,0,Vodafone Cash,0,0.0,none,10,1,high_burden
Ghana,2025,urban,female,20,15-24,second,1,1,Vodafone Cash,10,162.8,"savings,airtime_purchase",7,9,high_burden
Nigeria,2020,rural,female,38,35-44,highest,0,0,none,0,0.0,none,9,0,high_burden
Mali,2022,urban,male,49,45-54,fourth,1,0,Orange Money,0,0.0,none,8,7,high_burden
Mali,2020,rural,male,54,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2018,rural,male,29,25-34,middle,1,1,Airtel Money,9,100.9,"bill_payment,cash_deposit,loan_repayment,cash_withdrawal,merchant_payment",6,10,high_burden
Mali,2024,urban,female,38,35-44,highest,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2025,rural,female,52,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
DRC,2022,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2022,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2023,rural,male,60,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2024,rural,female,69,55+,middle,1,1,Zamtel Kwacha,9,119.31,"loan_repayment,person_to_person",5,11,high_burden
Senegal,2018,urban,female,22,15-24,second,1,0,Wave,0,0.0,none,10,1,high_burden
Kenya,2018,rural,male,30,25-34,second,1,0,M-Pesa,0,0.0,none,4,9,high_burden
Rwanda,2023,rural,female,68,55+,fourth,1,1,MTN Mobile Money,9,98.23,"merchant_payment,airtime_purchase",9,10,high_burden
Uganda,2020,rural,female,37,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,2,12,high_burden
Zambia,2023,urban,male,31,25-34,lowest,1,1,Zamtel Kwacha,14,81.19,"bill_payment,international_remittance,cash_deposit",10,14,high_burden
Zambia,2020,urban,female,23,15-24,lowest,1,1,Zamtel Kwacha,14,113.46,"person_to_person,cash_withdrawal,airtime_purchase",3,5,high_burden
Senegal,2025,urban,male,70,55+,middle,1,0,Wari,0,0.0,none,10,1,high_burden
Mozambique,2022,rural,female,40,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2025,urban,female,48,45-54,highest,1,0,Airtel Money,0,0.0,none,7,8,high_burden
Zambia,2018,rural,female,16,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2021,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2022,rural,male,23,15-24,middle,1,1,MTN Mobile Money,4,112.37,"cash_withdrawal,cash_deposit",6,3,high_burden
DRC,2021,rural,male,57,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Niger,2024,urban,female,70,55+,fourth,1,0,Airtel Money,0,0.0,none,8,1,high_burden
Rwanda,2023,urban,female,61,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,10,10,high_burden
Kenya,2024,rural,female,31,25-34,highest,1,1,M-Pesa,8,67.26,"cash_deposit,loan_repayment,savings",4,8,high_burden
Tanzania,2025,rural,male,24,15-24,middle,1,0,Airtel Money,0,0.0,none,6,4,high_burden
Zambia,2019,urban,male,37,35-44,lowest,1,0,Airtel Money,0,0.0,none,9,5,high_burden
Uganda,2018,urban,female,51,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,2,6,high_burden
Niger,2022,rural,male,16,15-24,highest,0,0,none,0,0.0,none,6,0,high_burden
Mali,2023,rural,male,57,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2018,urban,male,43,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2025,urban,male,16,15-24,second,1,1,Airtel Money,10,97.57,"person_to_person,loan_repayment,international_remittance,bill_payment",9,14,high_burden
South Africa,2019,urban,female,53,45-54,second,1,1,FNB eWallet,14,205.72,"person_to_person,airtime_purchase,cash_deposit",5,4,high_burden
Tanzania,2025,urban,female,61,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2020,urban,female,68,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2020,rural,male,22,15-24,highest,1,0,Orange Money,0,0.0,none,10,2,high_burden
Malawi,2020,urban,male,51,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2025,rural,female,66,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2018,urban,male,38,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2024,rural,female,33,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,7,11,high_burden
South Africa,2021,rural,female,48,45-54,fourth,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2020,urban,female,17,15-24,second,1,1,FNB eWallet,13,40.23,"airtime_purchase,cash_deposit,international_remittance,merchant_payment",3,12,high_burden
South Africa,2023,rural,female,30,25-34,second,1,0,Vodapay,0,0.0,none,2,9,high_burden
Nigeria,2020,rural,male,17,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2025,rural,female,58,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2025,urban,male,45,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2020,urban,male,42,35-44,second,1,0,MTN Mobile Money,0,0.0,none,7,4,high_burden
Niger,2024,urban,female,58,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2021,rural,male,51,45-54,fourth,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2023,urban,female,40,35-44,second,1,0,Airtel Money,0,0.0,none,7,13,high_burden
Ethiopia,2019,rural,male,42,35-44,fourth,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2021,urban,female,26,25-34,middle,1,1,M-Pesa,11,91.04,"person_to_person,cash_deposit,airtime_purchase,international_remittance,cash_withdrawal",10,6,high_burden
Zambia,2020,urban,male,63,55+,lowest,1,0,Airtel Money,0,0.0,none,3,4,high_burden
Niger,2018,rural,female,58,55+,highest,1,1,Moov Money,5,110.34,"loan_repayment,person_to_person,savings,merchant_payment,bill_payment",4,6,high_burden
Nigeria,2022,rural,female,31,25-34,middle,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2019,urban,female,61,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,4,11,high_burden
Mozambique,2025,urban,female,20,15-24,fourth,1,0,M-Pesa,0,0.0,none,10,10,high_burden
South Africa,2018,rural,female,35,25-34,second,1,0,FNB eWallet,0,0.0,none,2,7,high_burden
DRC,2023,urban,male,64,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2021,rural,female,39,35-44,fourth,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2019,rural,male,58,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
DRC,2018,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2019,rural,female,34,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
DRC,2021,rural,female,63,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Mali,2023,urban,female,49,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2019,rural,male,27,25-34,fourth,1,1,M-Birr,1,52.46,"airtime_purchase,bill_payment,international_remittance,loan_repayment,merchant_payment",2,8,high_burden
Malawi,2020,rural,female,66,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2021,urban,female,65,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2023,rural,female,61,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Niger,2025,urban,female,52,45-54,highest,1,1,Airtel Money,14,109.39,"person_to_person,cash_withdrawal,cash_deposit",4,4,high_burden
Mali,2022,urban,female,40,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2020,urban,male,24,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2022,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2020,rural,female,45,35-44,fourth,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2018,urban,female,59,55+,second,1,1,Airtel Money,8,30.51,"cash_withdrawal,bill_payment,merchant_payment,person_to_person,cash_deposit",10,10,high_burden
Zambia,2019,urban,male,19,15-24,lowest,1,0,Airtel Money,0,0.0,none,6,11,high_burden
Tanzania,2022,rural,male,37,35-44,second,1,0,Tigo Pesa,0,0.0,none,9,8,high_burden
Zambia,2022,urban,female,41,35-44,fourth,1,1,MTN Mobile Money,8,204.16,"person_to_person,loan_repayment,merchant_payment,bill_payment,international_remittance",8,14,high_burden
Senegal,2022,urban,male,23,15-24,lowest,1,1,Wave,14,167.76,"international_remittance,loan_repayment,savings,cash_deposit,cash_withdrawal",8,14,high_burden
Mali,2023,rural,male,48,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2020,urban,male,71,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2020,rural,male,71,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2022,urban,male,63,55+,highest,1,1,FNB eWallet,11,229.6,"savings,merchant_payment,person_to_person,loan_repayment",7,2,high_burden
Mali,2021,rural,male,54,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
Mali,2022,urban,female,43,35-44,middle,1,1,Moov Money,11,115.82,"airtime_purchase,international_remittance,merchant_payment,cash_deposit,person_to_person",6,7,high_burden
Zambia,2025,rural,male,32,25-34,middle,1,0,Zamtel Kwacha,0,0.0,none,2,8,high_burden
Kenya,2020,rural,male,32,25-34,highest,1,1,Airtel Money,11,64.29,"savings,cash_withdrawal",10,8,high_burden
Mali,2018,rural,male,49,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Mali,2022,urban,female,66,55+,middle,1,0,Moov Money,0,0.0,none,9,13,high_burden
Kenya,2022,urban,female,72,55+,second,1,0,M-Pesa,0,0.0,none,10,7,high_burden
Ethiopia,2022,rural,male,73,55+,second,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2018,rural,male,70,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
DRC,2019,urban,female,65,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2025,urban,female,65,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2018,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2018,urban,female,17,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2025,urban,female,55,45-54,fourth,0,0,none,0,0.0,none,8,0,high_burden
Niger,2025,rural,male,26,25-34,lowest,1,0,Airtel Money,0,0.0,none,9,4,high_burden
Tanzania,2020,urban,female,74,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2025,urban,male,64,55+,second,1,1,MTN Mobile Money,12,168.58,"cash_deposit,airtime_purchase",3,13,high_burden
Niger,2025,urban,male,43,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2023,rural,male,41,35-44,lowest,1,0,telebirr,0,0.0,none,3,12,high_burden
Kenya,2023,urban,female,31,25-34,highest,1,0,M-Pesa,0,0.0,none,4,14,high_burden
Senegal,2025,rural,female,25,15-24,middle,1,0,Wave,0,0.0,none,9,2,high_burden
Niger,2023,urban,male,16,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2020,rural,female,25,15-24,fourth,1,0,M-Pesa,0,0.0,none,10,1,high_burden
Zambia,2021,urban,male,30,25-34,fourth,1,0,Zamtel Kwacha,0,0.0,none,4,9,high_burden
Malawi,2023,urban,female,54,45-54,highest,1,1,TNM Mpamba,18,120.12,"international_remittance,cash_deposit,merchant_payment",10,13,high_burden
Nigeria,2019,rural,female,17,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2018,urban,female,24,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2020,rural,male,41,35-44,middle,1,0,Airtel Money,0,0.0,none,6,1,high_burden
Niger,2021,urban,female,37,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2019,urban,female,42,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2018,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2023,rural,male,27,25-34,highest,1,0,Airtel Money,0,0.0,none,10,15,high_burden
Zambia,2022,urban,female,60,55+,fourth,1,1,Zamtel Kwacha,15,144.95,"airtime_purchase,person_to_person,bill_payment",9,13,high_burden
Niger,2021,urban,female,28,25-34,fourth,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2021,rural,male,17,15-24,middle,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2020,urban,male,63,55+,middle,1,1,Zamtel Kwacha,14,85.28,"bill_payment,airtime_purchase,cash_withdrawal,loan_repayment,merchant_payment",10,1,high_burden
Mozambique,2021,rural,female,65,55+,highest,1,0,e-Mola,0,0.0,none,8,5,high_burden
Zambia,2023,urban,female,40,35-44,fourth,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2019,rural,female,39,35-44,highest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2021,rural,male,38,35-44,second,1,0,MTN Mobile Money,0,0.0,none,2,4,high_burden
Niger,2024,rural,male,58,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2021,urban,female,32,25-34,fourth,1,1,Vodafone Cash,10,16.42,"cash_deposit,bill_payment",9,4,high_burden
Rwanda,2022,rural,female,48,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2023,rural,male,38,35-44,second,1,0,AirtelTigo Money,0,0.0,none,5,3,high_burden
Nigeria,2019,rural,male,50,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2019,rural,female,62,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2021,urban,female,24,15-24,middle,1,1,M-Pesa,16,224.96,"bill_payment,international_remittance,savings,cash_deposit,loan_repayment",3,5,high_burden
Senegal,2025,rural,male,62,55+,highest,1,1,Orange Money,5,28.03,"person_to_person,bill_payment,merchant_payment,international_remittance",6,12,high_burden
Nigeria,2021,urban,male,60,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2019,rural,male,71,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2025,rural,male,49,45-54,second,1,0,MTN Mobile Money,0,0.0,none,8,14,high_burden
Nigeria,2021,urban,male,16,15-24,lowest,1,0, PalmPay,0,0.0,none,7,11,high_burden
Ghana,2018,urban,male,63,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2018,urban,female,31,25-34,lowest,1,0,Airtel Money,0,0.0,none,6,4,high_burden
Niger,2024,rural,male,68,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2021,rural,male,72,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2024,urban,male,39,35-44,middle,1,0,Airtel Money,0,0.0,none,10,1,high_burden
Nigeria,2024,rural,male,66,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2022,urban,male,51,45-54,highest,1,1,Airtel Money,15,80.65,"loan_repayment,merchant_payment",9,12,high_burden
Zambia,2021,urban,male,66,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2024,rural,male,15,15-24,middle,1,0,M-Pesa,0,0.0,none,2,5,high_burden
Mozambique,2025,urban,male,71,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2023,urban,female,42,35-44,second,1,1,Wave,10,89.7,"loan_repayment,merchant_payment,international_remittance,cash_withdrawal,person_to_person",2,9,high_burden
Malawi,2021,rural,male,33,25-34,middle,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2023,urban,female,58,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2022,urban,female,44,35-44,middle,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2021,rural,female,55,45-54,middle,1,1,M-Pesa,7,32.42,"bill_payment,merchant_payment,loan_repayment,international_remittance,cash_withdrawal",5,10,high_burden
South Africa,2025,rural,male,47,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2019,rural,male,32,25-34,second,0,0,none,0,0.0,none,2,0,high_burden
Mali,2021,urban,female,44,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2020,rural,female,32,25-34,fourth,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2023,urban,female,50,45-54,fourth,1,1,MTN Mobile Money,11,87.69,"loan_repayment,cash_deposit,airtime_purchase",3,12,high_burden
Kenya,2019,rural,male,36,35-44,lowest,1,1,Airtel Money,11,100.26,"bill_payment,loan_repayment,cash_deposit",7,3,high_burden
Mozambique,2019,urban,female,32,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2019,rural,female,44,35-44,second,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2018,rural,female,72,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2024,rural,female,64,55+,lowest,1,0,M-Pesa,0,0.0,none,1,6,high_burden
Niger,2020,rural,female,70,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2025,urban,male,25,15-24,highest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2025,urban,male,40,35-44,second,1,0,Vodapay,0,0.0,none,10,15,high_burden
Malawi,2022,rural,male,28,25-34,second,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2023,rural,male,38,35-44,fourth,1,0,Wari,0,0.0,none,5,3,high_burden
Senegal,2019,urban,male,74,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2020,rural,female,57,55+,middle,1,0,FNB eWallet,0,0.0,none,4,2,high_burden
South Africa,2018,urban,female,18,15-24,middle,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2022,rural,female,17,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,2,8,high_burden
Senegal,2025,urban,male,31,25-34,middle,1,1,Wari,21,86.58,"bill_payment,loan_repayment",10,15,high_burden
Uganda,2022,urban,female,74,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Niger,2022,rural,female,39,35-44,fourth,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2025,rural,male,68,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Mali,2025,rural,female,54,45-54,highest,1,1,Moov Money,7,102.96,"international_remittance,airtime_purchase,savings,cash_deposit,person_to_person",4,1,high_burden
Mozambique,2022,rural,female,74,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2025,rural,female,56,55+,lowest,1,0,Airtel Money,0,0.0,none,1,16,high_burden
Senegal,2024,urban,male,15,15-24,highest,1,1,Wave,11,83.92,"loan_repayment,airtime_purchase,merchant_payment",8,10,high_burden
Malawi,2018,rural,male,31,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2018,urban,female,74,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2018,rural,male,42,35-44,middle,0,0,none,0,0.0,none,2,0,high_burden
Mali,2024,rural,female,25,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2018,urban,male,70,55+,fourth,1,1,AirtelTigo Money,13,94.48,"international_remittance,savings,merchant_payment,airtime_purchase",4,7,high_burden
Niger,2023,rural,male,69,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2024,urban,female,26,25-34,middle,1,1,MTN Mobile Money,10,72.68,"loan_repayment,savings,merchant_payment,person_to_person",10,10,high_burden
Zambia,2023,rural,female,51,45-54,fourth,1,0,Airtel Money,0,0.0,none,6,1,high_burden
Rwanda,2020,rural,male,32,25-34,highest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2018,urban,male,39,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2021,rural,male,32,25-34,second,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2019,urban,male,45,35-44,second,1,1,AirtelTigo Money,11,167.24,"person_to_person,loan_repayment,cash_withdrawal,merchant_payment",6,5,high_burden
Ethiopia,2025,urban,female,72,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2020,urban,male,18,15-24,fourth,1,0,Airtel Money,0,0.0,none,10,5,high_burden
South Africa,2022,urban,male,49,45-54,second,1,1,Vodapay,9,63.3,"international_remittance,cash_deposit,savings,person_to_person",5,8,high_burden
Nigeria,2022,urban,female,56,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2021,urban,male,62,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2018,urban,male,65,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2023,rural,male,74,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Mali,2021,urban,male,63,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2021,rural,female,17,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2021,rural,female,41,35-44,fourth,1,0,Wari,0,0.0,none,2,1,high_burden
South Africa,2019,rural,male,62,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2021,urban,male,39,35-44,middle,1,1,MTN Mobile Money,10,278.08,"loan_repayment,international_remittance,merchant_payment,airtime_purchase",8,11,high_burden
Nigeria,2019,urban,female,16,15-24,fourth,1,0,Paga,0,0.0,none,10,5,high_burden
Zambia,2025,rural,male,73,55+,fourth,1,0,Zamtel Kwacha,0,0.0,none,10,4,high_burden
Ghana,2022,rural,female,47,45-54,second,1,0,AirtelTigo Money,0,0.0,none,6,1,high_burden
DRC,2020,rural,male,63,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2022,urban,female,70,55+,fourth,1,0,TNM Mpamba,0,0.0,none,10,9,high_burden
Mozambique,2019,urban,male,58,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2024,rural,female,57,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2020,rural,male,29,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2022,urban,female,58,55+,middle,1,1,Airtel Money,13,95.17,"bill_payment,cash_withdrawal,cash_deposit,loan_repayment",10,11,high_burden
Tanzania,2024,rural,female,52,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
DRC,2018,rural,female,21,15-24,highest,1,1,M-Pesa,10,94.57,"airtime_purchase,cash_withdrawal",6,6,high_burden
Zambia,2020,rural,male,50,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
Niger,2025,urban,female,60,55+,second,1,1,Airtel Money,13,132.61,"bill_payment,merchant_payment",4,10,high_burden
DRC,2020,rural,female,48,45-54,fourth,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2025,urban,male,44,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Niger,2025,rural,male,70,55+,fourth,1,0,Airtel Money,0,0.0,none,6,2,high_burden
Senegal,2024,urban,male,68,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2021,urban,male,36,35-44,highest,1,1,AirtelTigo Money,14,126.66,"loan_repayment,airtime_purchase,merchant_payment,bill_payment",9,8,high_burden
Ghana,2022,rural,male,59,55+,highest,1,1,AirtelTigo Money,7,64.68,"savings,merchant_payment,person_to_person,cash_deposit",10,8,high_burden
Uganda,2019,rural,female,37,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2025,urban,female,37,35-44,highest,1,1,Wave,10,221.49,"cash_deposit,person_to_person,cash_withdrawal,merchant_payment,savings",4,12,high_burden
Ethiopia,2021,rural,female,36,35-44,highest,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2020,rural,female,48,45-54,highest,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2018,rural,male,69,55+,second,1,0,Wave,0,0.0,none,1,8,high_burden
Mozambique,2025,rural,male,70,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2022,urban,female,66,55+,highest,1,1,M-Pesa,16,120.06,"cash_deposit,person_to_person",9,3,high_burden
Ghana,2025,urban,male,42,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,9,12,high_burden
Niger,2018,urban,male,68,55+,highest,1,1,Airtel Money,11,56.03,"person_to_person,bill_payment,merchant_payment,cash_withdrawal,loan_repayment",10,6,high_burden
Ethiopia,2025,rural,male,63,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2023,rural,male,73,55+,fourth,1,1,Airtel Money,8,74.76,"international_remittance,cash_withdrawal,cash_deposit",5,12,high_burden
Niger,2024,urban,female,63,55+,fourth,1,0,Moov Money,0,0.0,none,7,7,high_burden
Rwanda,2019,urban,female,63,55+,fourth,1,0,Airtel Money,0,0.0,none,5,7,high_burden
Ghana,2023,rural,male,70,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2020,rural,male,46,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2024,urban,female,39,35-44,fourth,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2021,rural,female,45,35-44,lowest,1,1,Airtel Money,9,32.81,"airtime_purchase,person_to_person,merchant_payment,loan_repayment,savings",9,13,high_burden
Tanzania,2018,rural,female,70,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Mali,2021,rural,male,42,35-44,middle,1,1,Orange Money,9,74.59,"person_to_person,cash_withdrawal,international_remittance,merchant_payment",9,6,high_burden
DRC,2024,urban,female,20,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2021,urban,female,55,45-54,middle,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2023,urban,female,50,45-54,lowest,1,1,FNB eWallet,14,32.87,"bill_payment,international_remittance",10,13,high_burden
Senegal,2023,urban,male,26,25-34,middle,1,0,Orange Money,0,0.0,none,7,9,high_burden
Nigeria,2025,rural,female,28,25-34,highest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2022,urban,female,51,45-54,highest,1,1,Airtel Money,13,68.11,"bill_payment,savings,loan_repayment",10,2,high_burden
Zambia,2023,urban,male,56,55+,second,1,1,Zamtel Kwacha,15,199.68,"merchant_payment,airtime_purchase,loan_repayment,cash_withdrawal,savings",3,9,high_burden
DRC,2021,rural,female,72,55+,middle,1,1,Orange Money,4,89.73,"international_remittance,cash_deposit,airtime_purchase",9,8,high_burden
Nigeria,2019,urban,male,74,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2019,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2021,urban,male,72,55+,middle,1,0,Airtel Money,0,0.0,none,10,12,high_burden
DRC,2020,urban,female,69,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2018,urban,female,32,25-34,middle,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2023,rural,female,44,35-44,fourth,1,1,MTN Mobile Money,6,28.85,"cash_deposit,merchant_payment",8,2,high_burden
Mali,2023,rural,male,39,35-44,fourth,1,0,Orange Money,0,0.0,none,5,5,high_burden
Tanzania,2025,rural,male,20,15-24,fourth,1,0,Airtel Money,0,0.0,none,3,17,high_burden
Tanzania,2020,rural,male,37,35-44,fourth,1,0,Airtel Money,0,0.0,none,4,11,high_burden
Kenya,2023,rural,male,39,35-44,highest,1,1,M-Pesa,9,35.7,"person_to_person,cash_withdrawal,merchant_payment,cash_deposit",9,13,high_burden
Ethiopia,2019,rural,male,71,55+,lowest,1,1,M-Birr,8,153.17,"cash_deposit,bill_payment,merchant_payment,savings,cash_withdrawal",6,3,high_burden
Niger,2025,rural,male,25,15-24,second,1,1,Airtel Money,7,81.43,"bill_payment,cash_withdrawal",7,8,high_burden
Malawi,2021,urban,male,52,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2024,rural,female,43,35-44,fourth,1,0,e-Mola,0,0.0,none,5,8,high_burden
Senegal,2020,urban,male,35,25-34,highest,1,1,Wari,7,326.21,"cash_deposit,person_to_person",7,7,high_burden
Mali,2023,rural,male,60,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2020,rural,male,38,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2025,rural,female,59,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
DRC,2025,rural,male,61,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2022,rural,female,67,55+,fourth,1,0,e-Mola,0,0.0,none,10,13,high_burden
Rwanda,2025,urban,female,20,15-24,lowest,1,0,MTN Mobile Money,0,0.0,none,9,15,high_burden
Mozambique,2019,rural,male,72,55+,middle,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2020,rural,female,51,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2022,rural,male,38,35-44,fourth,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2025,urban,female,54,45-54,middle,1,1,AirtelTigo Money,16,34.53,"person_to_person,international_remittance,cash_deposit,loan_repayment",7,5,high_burden
Rwanda,2023,urban,male,72,55+,highest,1,1,MTN Mobile Money,9,109.79,"loan_repayment,savings,bill_payment",6,13,high_burden
Malawi,2023,rural,male,70,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Rwanda,2022,rural,female,45,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2023,urban,female,47,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2024,urban,male,72,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2023,rural,female,22,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2018,rural,female,70,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,4,8,high_burden
DRC,2018,urban,male,15,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Niger,2020,rural,male,74,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Ethiopia,2021,urban,female,29,25-34,middle,1,0,telebirr,0,0.0,none,7,9,high_burden
Ethiopia,2018,rural,male,32,25-34,highest,0,0,none,0,0.0,none,9,0,high_burden
Mali,2019,urban,male,48,45-54,fourth,1,1,Moov Money,12,251.22,"international_remittance,cash_deposit,merchant_payment,bill_payment,savings",4,3,high_burden
Ethiopia,2018,urban,male,57,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2024,rural,male,55,45-54,lowest,1,0,M-Pesa,0,0.0,none,8,5,high_burden
Uganda,2018,rural,female,55,45-54,fourth,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2021,rural,female,46,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2024,rural,male,27,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2021,rural,female,61,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2021,rural,female,26,25-34,lowest,1,1,MTN Mobile Money,5,58.19,"international_remittance,bill_payment,cash_withdrawal,airtime_purchase",10,8,high_burden
Malawi,2022,urban,male,16,15-24,second,1,1,Airtel Money,10,218.74,"airtime_purchase,person_to_person,bill_payment,cash_withdrawal,loan_repayment",3,9,high_burden
Niger,2019,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2023,urban,female,73,55+,middle,1,1,M-Pesa,17,114.72,"merchant_payment,cash_withdrawal,airtime_purchase,international_remittance,person_to_person",6,15,high_burden
Ghana,2021,urban,female,52,45-54,second,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2022,urban,female,23,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2022,urban,male,32,25-34,middle,1,0, PalmPay,0,0.0,none,7,11,high_burden
Nigeria,2025,rural,female,60,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2022,rural,female,31,25-34,middle,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2019,urban,female,36,35-44,fourth,1,0,Wari,0,0.0,none,5,5,high_burden
Senegal,2018,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2022,urban,male,28,25-34,fourth,1,0,Wave,0,0.0,none,7,13,high_burden
Ghana,2024,urban,female,57,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2018,urban,male,66,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2022,urban,male,49,45-54,second,1,1,MTN Mobile Money,16,122.84,"bill_payment,cash_deposit,savings",3,11,high_burden
Uganda,2019,rural,male,70,55+,fourth,1,1,MTN Mobile Money,7,46.7,"cash_withdrawal,savings",10,9,high_burden
Uganda,2019,urban,male,59,55+,second,1,0,MTN Mobile Money,0,0.0,none,8,8,high_burden
Kenya,2019,rural,male,59,55+,second,1,0,Airtel Money,0,0.0,none,2,11,high_burden
Kenya,2025,rural,male,50,45-54,second,1,0,Airtel Money,0,0.0,none,8,1,high_burden
Mozambique,2025,urban,male,32,25-34,second,1,1,e-Mola,18,38.66,"loan_repayment,international_remittance,person_to_person",7,1,high_burden
Nigeria,2022,rural,female,40,35-44,second,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2019,urban,male,29,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2019,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2023,urban,male,19,15-24,lowest,1,0,Wari,0,0.0,none,6,6,high_burden
Mozambique,2019,rural,female,45,35-44,highest,1,1,M-Pesa,10,59.5,"cash_deposit,merchant_payment,international_remittance,cash_withdrawal",6,5,high_burden
Niger,2019,rural,male,62,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2020,rural,male,25,15-24,highest,1,0,Wari,0,0.0,none,10,11,high_burden
Malawi,2019,urban,male,52,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2021,rural,female,41,35-44,middle,1,1,Airtel Money,5,42.87,"cash_deposit,bill_payment,merchant_payment",1,7,high_burden
Tanzania,2019,rural,male,51,45-54,fourth,1,1,M-Pesa,5,71.12,"person_to_person,savings",10,1,high_burden
Kenya,2021,rural,female,56,55+,fourth,1,1,Airtel Money,4,73.99,"cash_withdrawal,merchant_payment,international_remittance,savings",2,2,high_burden
Senegal,2023,rural,female,28,25-34,fourth,1,0,Orange Money,0,0.0,none,4,4,high_burden
Mali,2022,rural,male,62,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2020,rural,female,40,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2019,urban,female,57,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2019,rural,male,44,35-44,middle,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2018,rural,male,17,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,9,10,high_burden
Ethiopia,2020,rural,male,56,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2019,rural,female,37,35-44,middle,1,0, PalmPay,0,0.0,none,6,3,high_burden
Zambia,2024,rural,female,48,45-54,highest,1,1,Airtel Money,7,123.4,"cash_withdrawal,international_remittance,merchant_payment",8,2,high_burden
Niger,2024,rural,male,56,55+,second,1,0,Moov Money,0,0.0,none,10,13,high_burden
Senegal,2018,rural,female,30,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2019,rural,male,32,25-34,highest,1,1,Airtel Money,7,127.67,"airtime_purchase,loan_repayment",5,2,high_burden
Niger,2025,urban,male,30,25-34,second,1,1,Moov Money,19,104.87,"airtime_purchase,international_remittance,cash_deposit",10,13,high_burden
Tanzania,2023,urban,female,71,55+,second,1,0,M-Pesa,0,0.0,none,7,1,high_burden
Mali,2024,urban,female,44,35-44,second,1,0,Orange Money,0,0.0,none,9,10,high_burden
Tanzania,2018,rural,male,27,25-34,middle,1,0,Tigo Pesa,0,0.0,none,6,8,high_burden
Tanzania,2022,rural,male,51,45-54,lowest,1,0,Airtel Money,0,0.0,none,1,6,high_burden
Ethiopia,2019,rural,male,57,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mali,2021,rural,female,28,25-34,highest,1,0,Orange Money,0,0.0,none,6,7,high_burden
Zambia,2021,rural,male,45,35-44,fourth,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2022,rural,female,67,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2024,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2018,rural,female,61,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
DRC,2021,urban,male,72,55+,lowest,1,0,Airtel Money,0,0.0,none,6,4,high_burden
Malawi,2018,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2019,rural,male,51,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Mali,2024,rural,male,27,25-34,fourth,1,0,Orange Money,0,0.0,none,9,2,high_burden
Nigeria,2023,rural,female,26,25-34,fourth,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2019,rural,male,50,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2018,urban,male,44,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2020,rural,female,54,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2023,rural,male,62,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2018,urban,male,42,35-44,middle,1,0,Airtel Money,0,0.0,none,6,6,high_burden
Rwanda,2021,urban,female,68,55+,fourth,1,0,Airtel Money,0,0.0,none,7,3,high_burden
DRC,2023,rural,female,74,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2019,urban,female,42,35-44,fourth,1,1,M-Pesa,15,89.04,"person_to_person,airtime_purchase",10,1,high_burden
Zambia,2019,urban,male,57,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2020,urban,female,41,35-44,lowest,1,0,Airtel Money,0,0.0,none,8,1,high_burden
Tanzania,2023,rural,female,52,45-54,lowest,1,1,Airtel Money,9,35.28,"savings,person_to_person,bill_payment,loan_repayment",1,3,high_burden
Kenya,2022,urban,female,40,35-44,middle,1,1,M-Pesa,16,106.55,"airtime_purchase,merchant_payment,person_to_person",6,3,high_burden
DRC,2020,urban,male,68,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2018,rural,male,53,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2023,rural,female,68,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2020,urban,female,45,35-44,fourth,1,0,AirtelTigo Money,0,0.0,none,10,2,high_burden
Mali,2020,rural,male,30,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2020,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2023,urban,female,30,25-34,lowest,1,1,Airtel Money,9,82.95,"person_to_person,international_remittance,merchant_payment,airtime_purchase,cash_withdrawal",9,4,high_burden
South Africa,2023,rural,male,22,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,8,1,high_burden
Mozambique,2020,urban,female,17,15-24,highest,0,0,none,0,0.0,none,7,0,high_burden
Mali,2022,rural,male,47,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2022,rural,male,72,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2020,urban,female,42,35-44,second,1,0,OPay,0,0.0,none,2,12,high_burden
Niger,2021,urban,male,60,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2021,rural,male,17,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2020,rural,male,65,55+,second,0,0,none,0,0.0,none,9,0,high_burden
DRC,2024,rural,female,71,55+,highest,1,0,M-Pesa,0,0.0,none,3,4,high_burden
Ghana,2022,rural,male,54,45-54,highest,1,1,AirtelTigo Money,12,12.85,"merchant_payment,international_remittance,cash_deposit",6,3,high_burden
Malawi,2020,rural,female,27,25-34,middle,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2025,urban,female,53,45-54,middle,1,1,M-Birr,15,82.95,"cash_deposit,merchant_payment,savings,person_to_person,cash_withdrawal",3,5,high_burden
Nigeria,2022,rural,female,52,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2020,urban,male,31,25-34,highest,1,1,Vodafone Cash,23,217.53,"cash_deposit,person_to_person",10,5,high_burden
Ghana,2019,rural,male,22,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2024,urban,female,69,55+,lowest,1,1,Airtel Money,15,121.35,"airtime_purchase,savings",10,14,high_burden
DRC,2019,rural,female,64,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2020,rural,female,44,35-44,fourth,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2018,rural,male,68,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2019,urban,female,28,25-34,highest,1,1,Airtel Money,12,92.2,"cash_deposit,international_remittance,person_to_person,bill_payment,savings",10,8,high_burden
Senegal,2024,rural,female,66,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2025,urban,female,60,55+,second,1,0,Airtel Money,0,0.0,none,8,4,high_burden
Mali,2024,urban,male,35,25-34,highest,1,0,Moov Money,0,0.0,none,9,6,high_burden
Niger,2019,urban,female,19,15-24,highest,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2025,rural,male,39,35-44,middle,0,0,none,0,0.0,none,1,0,high_burden
Rwanda,2018,urban,female,36,35-44,middle,1,1,MTN Mobile Money,10,50.26,"person_to_person,cash_withdrawal",5,6,high_burden
DRC,2021,rural,female,35,25-34,fourth,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2024,urban,female,19,15-24,highest,1,1,M-Birr,15,41.6,"merchant_payment,person_to_person",5,11,high_burden
Malawi,2019,rural,male,47,45-54,lowest,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2022,urban,male,59,55+,middle,1,0,Airtel Money,0,0.0,none,10,6,high_burden
Ghana,2022,rural,male,61,55+,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2020,rural,male,59,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Niger,2024,urban,female,67,55+,highest,1,1,Moov Money,13,67.84,"savings,person_to_person,bill_payment",3,7,high_burden
Niger,2018,urban,female,23,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2018,rural,female,34,25-34,highest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2021,rural,male,57,55+,middle,1,1,M-Pesa,1,40.48,"international_remittance,savings,airtime_purchase,cash_withdrawal,cash_deposit",3,5,high_burden
Nigeria,2022,urban,male,67,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2022,urban,male,37,35-44,middle,1,0,AirtelTigo Money,0,0.0,none,10,3,high_burden
Zambia,2019,rural,male,31,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
Niger,2020,rural,male,47,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2022,rural,female,72,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2018,rural,male,67,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Niger,2019,rural,male,68,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2023,urban,male,55,45-54,fourth,1,1,AirtelTigo Money,13,76.84,"bill_payment,airtime_purchase,cash_withdrawal,international_remittance",6,6,high_burden
Niger,2020,rural,male,54,45-54,highest,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2022,urban,female,67,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2025,rural,female,54,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2020,urban,female,20,15-24,fourth,1,0,telebirr,0,0.0,none,3,7,high_burden
Nigeria,2024,rural,male,61,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Niger,2024,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2025,urban,female,22,15-24,middle,0,0,none,0,0.0,none,3,0,high_burden
DRC,2020,rural,female,48,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Mali,2025,urban,male,39,35-44,fourth,1,0,Orange Money,0,0.0,none,6,11,high_burden
Rwanda,2023,rural,female,49,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2025,rural,male,58,55+,middle,1,0,M-Pesa,0,0.0,none,10,17,high_burden
Nigeria,2019,urban,female,62,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2023,rural,female,26,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
DRC,2022,rural,male,52,45-54,second,1,0,M-Pesa,0,0.0,none,3,14,high_burden
Malawi,2018,urban,male,66,55+,middle,1,0,TNM Mpamba,0,0.0,none,4,5,high_burden
Ghana,2025,rural,male,49,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2024,urban,female,16,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2021,urban,female,64,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2018,urban,male,61,55+,lowest,1,1,Airtel Money,8,205.07,"cash_withdrawal,cash_deposit,international_remittance,savings,loan_repayment",7,4,high_burden
DRC,2019,urban,male,49,45-54,second,1,1,Airtel Money,13,89.54,"bill_payment,loan_repayment,merchant_payment",9,9,high_burden
Kenya,2025,urban,male,20,15-24,fourth,1,1,M-Pesa,17,60.23,"international_remittance,loan_repayment",10,15,high_burden
Kenya,2020,urban,male,35,25-34,fourth,1,1,Airtel Money,11,78.92,"savings,airtime_purchase,cash_withdrawal,international_remittance,loan_repayment",9,1,high_burden
Mali,2020,rural,female,37,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Niger,2021,urban,male,22,15-24,fourth,1,1,Moov Money,10,49.57,"loan_repayment,person_to_person,international_remittance",9,5,high_burden
Nigeria,2018,rural,male,28,25-34,second,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2024,rural,male,50,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Niger,2025,urban,male,26,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2021,rural,male,41,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2023,urban,male,52,45-54,highest,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2019,rural,male,21,15-24,fourth,1,1,MTN Mobile Money,6,125.67,"merchant_payment,savings,cash_deposit",2,3,high_burden
Uganda,2024,rural,female,69,55+,second,0,0,none,0,0.0,none,5,0,high_burden
DRC,2023,rural,female,71,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2023,urban,female,63,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2020,rural,male,19,15-24,fourth,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2018,urban,female,37,35-44,highest,1,0,Airtel Money,0,0.0,none,7,3,high_burden
Mali,2018,rural,male,66,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2019,urban,female,27,25-34,highest,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2019,urban,male,44,35-44,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2018,rural,male,23,15-24,fourth,1,1,M-Birr,9,41.1,"loan_repayment,merchant_payment,person_to_person",8,10,high_burden
Mozambique,2018,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2020,urban,male,59,55+,highest,1,1,Moov Money,13,47.93,"merchant_payment,loan_repayment,airtime_purchase,bill_payment",3,7,high_burden
Nigeria,2023,rural,female,23,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2024,rural,female,41,35-44,highest,1,0,Airtel Money,0,0.0,none,9,16,high_burden
Nigeria,2023,urban,female,23,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2020,urban,female,40,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2021,urban,female,61,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
DRC,2025,rural,female,42,35-44,middle,1,1,Airtel Money,6,141.62,"merchant_payment,loan_repayment",5,8,high_burden
Mali,2018,urban,female,16,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2024,rural,female,56,55+,second,1,0,M-Pesa,0,0.0,none,4,7,high_burden
South Africa,2018,urban,male,71,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2022,urban,male,30,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2023,urban,male,24,15-24,highest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2021,rural,female,52,45-54,highest,1,0,Zamtel Kwacha,0,0.0,none,1,13,high_burden
Rwanda,2020,rural,female,36,35-44,second,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2024,urban,female,32,25-34,middle,0,0,none,0,0.0,none,8,0,high_burden
DRC,2020,rural,male,60,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2024,rural,female,67,55+,highest,1,0,Paga,0,0.0,none,8,12,high_burden
South Africa,2023,rural,female,50,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2023,rural,female,34,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2018,rural,male,46,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2024,rural,male,17,15-24,fourth,1,1,MTN Mobile Money,9,231.45,"cash_deposit,loan_repayment,international_remittance,cash_withdrawal",10,14,high_burden
DRC,2021,urban,female,20,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2023,urban,female,68,55+,highest,1,0,MTN Mobile Money,0,0.0,none,6,3,high_burden
Kenya,2023,urban,female,42,35-44,fourth,1,0,Airtel Money,0,0.0,none,4,4,high_burden
Senegal,2022,urban,female,60,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2021,rural,female,33,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,10,7,high_burden
Malawi,2024,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2025,rural,female,15,15-24,middle,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2025,rural,male,34,25-34,second,1,1,TNM Mpamba,7,141.66,"cash_withdrawal,loan_repayment,savings,cash_deposit,international_remittance",10,9,high_burden
Niger,2025,urban,female,74,55+,fourth,1,1,Airtel Money,15,119.18,"airtime_purchase,international_remittance",3,17,high_burden
Tanzania,2022,rural,female,24,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2023,rural,male,70,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
DRC,2018,rural,female,71,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2020,rural,male,69,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2020,rural,male,33,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2025,urban,female,32,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Mali,2021,urban,male,68,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2023,urban,female,35,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2018,urban,female,38,35-44,middle,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2022,rural,male,35,25-34,second,1,1,Airtel Money,13,58.49,"cash_deposit,bill_payment,loan_repayment,merchant_payment",6,13,high_burden
Malawi,2019,urban,female,35,25-34,middle,1,0,Airtel Money,0,0.0,none,10,7,high_burden
Kenya,2019,rural,male,49,45-54,lowest,1,0,Airtel Money,0,0.0,none,8,6,high_burden
Senegal,2021,rural,female,50,45-54,highest,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2025,rural,female,31,25-34,second,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2022,rural,male,53,45-54,highest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2023,urban,male,46,45-54,fourth,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2024,rural,female,44,35-44,highest,1,1,MTN Mobile Money,9,31.76,"international_remittance,merchant_payment,person_to_person,cash_withdrawal",6,1,high_burden
Tanzania,2023,rural,male,19,15-24,second,1,1,Tigo Pesa,5,117.39,"cash_withdrawal,airtime_purchase,cash_deposit,bill_payment,loan_repayment",4,6,high_burden
Tanzania,2019,urban,female,67,55+,second,1,1,Tigo Pesa,10,188.71,"bill_payment,savings",2,10,high_burden
Mozambique,2024,rural,female,73,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2018,rural,male,69,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2025,rural,male,60,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
DRC,2020,rural,male,58,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2022,urban,male,56,55+,fourth,1,0,Airtel Money,0,0.0,none,3,12,high_burden
Tanzania,2025,rural,male,48,45-54,middle,1,1,M-Pesa,11,115.38,"person_to_person,international_remittance,cash_deposit,merchant_payment,cash_withdrawal",1,13,high_burden
Ethiopia,2020,rural,male,70,55+,highest,1,0,M-Birr,0,0.0,none,10,5,high_burden
Tanzania,2024,rural,male,27,25-34,highest,1,1,Airtel Money,6,161.15,"bill_payment,merchant_payment,international_remittance,airtime_purchase,savings",10,1,high_burden
Ethiopia,2022,urban,female,41,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2021,urban,male,66,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2021,urban,male,59,55+,middle,1,1,Airtel Money,12,133.34,"loan_repayment,airtime_purchase",5,5,high_burden
Mali,2022,urban,male,17,15-24,fourth,1,1,Moov Money,10,164.95,"person_to_person,savings,cash_deposit,loan_repayment,airtime_purchase",8,10,high_burden
Mozambique,2019,rural,female,24,15-24,middle,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2020,rural,female,72,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2018,rural,female,74,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2025,rural,male,18,15-24,highest,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2022,rural,male,67,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2021,urban,female,37,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2020,rural,male,70,55+,middle,1,1,Airtel Money,7,63.92,"loan_repayment,savings,cash_deposit",5,10,high_burden
Malawi,2020,rural,female,41,35-44,second,1,1,Airtel Money,7,75.66,"person_to_person,merchant_payment,cash_deposit,bill_payment,international_remittance",1,7,high_burden
Kenya,2025,urban,male,37,35-44,middle,1,1,Airtel Money,13,183.59,"loan_repayment,international_remittance,person_to_person,savings",8,1,high_burden
DRC,2022,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2021,urban,male,35,25-34,lowest,1,0,M-Pesa,0,0.0,none,3,1,high_burden
Uganda,2022,rural,female,45,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2024,rural,female,29,25-34,middle,1,1,Airtel Money,6,86.8,"person_to_person,savings,international_remittance,airtime_purchase,cash_deposit",10,9,high_burden
Ghana,2022,rural,male,69,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2021,urban,female,67,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2020,urban,female,42,35-44,highest,1,0,Airtel Money,0,0.0,none,2,3,high_burden
Tanzania,2024,urban,female,24,15-24,fourth,1,0,M-Pesa,0,0.0,none,6,10,high_burden
Mali,2025,rural,female,73,55+,lowest,1,0,Orange Money,0,0.0,none,4,10,high_burden
Malawi,2025,rural,female,15,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Mali,2020,rural,female,63,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2020,rural,female,18,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2018,rural,female,47,45-54,fourth,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2020,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2023,rural,male,22,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2020,urban,male,68,55+,highest,1,0,M-Pesa,0,0.0,none,5,8,high_burden
Niger,2024,urban,female,71,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2019,rural,male,37,35-44,second,1,1,Airtel Money,10,42.0,"loan_repayment,merchant_payment,cash_deposit",3,6,high_burden
DRC,2022,rural,male,73,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Niger,2019,urban,male,19,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2019,rural,male,64,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2024,rural,male,39,35-44,fourth,1,1,M-Pesa,10,68.59,"international_remittance,cash_deposit,cash_withdrawal",6,13,high_burden
Senegal,2022,urban,male,40,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2018,rural,male,44,35-44,lowest,0,0,none,0,0.0,none,1,0,high_burden
South Africa,2023,rural,male,68,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2021,urban,male,60,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2020,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2022,rural,male,57,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2025,urban,male,15,15-24,middle,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2020,rural,female,45,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2020,urban,male,66,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2019,urban,female,55,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2025,urban,female,32,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2023,rural,female,38,35-44,second,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2021,urban,female,57,55+,second,1,0,Vodafone Cash,0,0.0,none,10,1,high_burden
Nigeria,2019,urban,female,21,15-24,fourth,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2018,urban,male,15,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
DRC,2024,urban,male,55,45-54,middle,1,1,Airtel Money,18,139.62,"cash_withdrawal,airtime_purchase",9,8,high_burden
Ghana,2021,urban,male,51,45-54,middle,1,0,AirtelTigo Money,0,0.0,none,10,9,high_burden
Ghana,2025,rural,female,49,45-54,fourth,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2024,urban,female,47,45-54,middle,1,1,Airtel Money,11,24.66,"cash_deposit,loan_repayment,savings",6,9,high_burden
Ethiopia,2020,urban,male,33,25-34,middle,1,1,telebirr,17,267.15,"cash_withdrawal,loan_repayment",8,4,high_burden
DRC,2024,rural,female,34,25-34,second,0,0,none,0,0.0,none,5,0,high_burden
Mali,2018,rural,male,67,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2020,rural,male,19,15-24,fourth,1,1,MTN Mobile Money,6,55.24,"person_to_person,loan_repayment,cash_deposit",4,9,high_burden
Niger,2019,rural,female,21,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2024,rural,male,50,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2019,rural,male,15,15-24,fourth,1,0,Airtel Money,0,0.0,none,10,4,high_burden
Mozambique,2020,urban,male,69,55+,fourth,1,0,e-Mola,0,0.0,none,7,4,high_burden
Niger,2024,urban,female,33,25-34,second,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2019,urban,male,26,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2022,rural,female,21,15-24,second,1,1,FNB eWallet,9,69.68,"airtime_purchase,savings,cash_withdrawal,person_to_person,cash_deposit",10,7,high_burden
DRC,2018,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2025,urban,male,68,55+,middle,1,1,AirtelTigo Money,14,70.81,"bill_payment,airtime_purchase,international_remittance,person_to_person",2,11,high_burden
Malawi,2024,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2025,rural,female,71,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2025,rural,female,29,25-34,highest,1,1,Airtel Money,5,85.65,"international_remittance,cash_withdrawal",8,3,high_burden
Nigeria,2024,rural,male,71,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2021,urban,male,43,35-44,middle,1,1,Zamtel Kwacha,16,81.92,"savings,loan_repayment,person_to_person,cash_withdrawal",4,12,high_burden
Nigeria,2021,rural,male,47,45-54,fourth,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2022,urban,female,28,25-34,middle,1,1,Zamtel Kwacha,12,39.91,"loan_repayment,savings,merchant_payment,airtime_purchase,bill_payment",6,11,high_burden
DRC,2019,urban,female,23,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2018,rural,female,15,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2019,rural,male,64,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2020,urban,male,18,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2022,urban,female,60,55+,second,1,0,M-Pesa,0,0.0,none,9,8,high_burden
Senegal,2022,rural,female,17,15-24,middle,1,0,Wari,0,0.0,none,4,12,high_burden
Kenya,2020,urban,male,50,45-54,fourth,1,1,M-Pesa,10,28.65,"loan_repayment,international_remittance,cash_withdrawal,cash_deposit",5,8,high_burden
South Africa,2020,rural,female,45,35-44,second,0,0,none,0,0.0,none,1,0,high_burden
Mali,2020,rural,male,34,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2021,urban,female,63,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2025,urban,male,46,45-54,middle,1,1,M-Pesa,17,195.66,"loan_repayment,international_remittance,merchant_payment,person_to_person,bill_payment",4,1,high_burden
Rwanda,2019,urban,female,53,45-54,fourth,1,1,MTN Mobile Money,12,127.5,"airtime_purchase,person_to_person,savings,loan_repayment",8,9,high_burden
Mali,2022,rural,male,67,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
DRC,2024,rural,female,65,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2021,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2025,urban,male,44,35-44,second,1,0,MTN Mobile Money,0,0.0,none,4,12,high_burden
Rwanda,2024,urban,female,44,35-44,middle,1,0,Airtel Money,0,0.0,none,4,2,high_burden
Zambia,2020,rural,female,47,45-54,middle,0,0,none,0,0.0,none,1,0,high_burden
DRC,2018,rural,male,64,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2025,urban,female,61,55+,middle,1,0,Airtel Money,0,0.0,none,6,14,high_burden
Mozambique,2021,urban,male,44,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2023,urban,female,60,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Niger,2022,urban,female,16,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2022,rural,male,37,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2021,urban,male,45,35-44,middle,1,1,Orange Money,13,38.81,"cash_withdrawal,person_to_person,international_remittance",7,9,high_burden
Rwanda,2024,urban,female,56,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2022,rural,male,62,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2024,rural,female,50,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2022,rural,male,33,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Niger,2024,urban,male,61,55+,highest,1,0,Airtel Money,0,0.0,none,7,14,high_burden
South Africa,2019,rural,male,64,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2022,rural,female,50,45-54,fourth,1,1,MTN Mobile Money,4,67.03,"international_remittance,loan_repayment,person_to_person,airtime_purchase,cash_deposit",10,9,high_burden
Senegal,2019,rural,female,72,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2023,rural,male,62,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2023,rural,male,69,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2024,rural,female,50,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2023,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2022,rural,female,37,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,10,9,high_burden
Ghana,2018,urban,male,30,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
DRC,2023,rural,female,65,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Niger,2019,rural,male,29,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2021,rural,female,28,25-34,middle,1,1,Vodapay,7,118.49,"airtime_purchase,person_to_person,bill_payment",8,11,high_burden
Ethiopia,2025,rural,male,37,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2023,urban,male,43,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2025,urban,male,34,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,3,10,high_burden
Malawi,2020,rural,female,72,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2019,rural,female,74,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2019,rural,female,31,25-34,fourth,1,1,Airtel Money,5,101.03,"person_to_person,bill_payment",2,5,high_burden
Rwanda,2023,urban,female,52,45-54,middle,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2025,urban,female,54,45-54,lowest,1,1,M-Pesa,8,59.75,"international_remittance,airtime_purchase,merchant_payment,cash_deposit",10,2,high_burden
Mali,2022,urban,male,55,45-54,second,1,1,Orange Money,9,132.43,"savings,cash_withdrawal,cash_deposit,bill_payment,international_remittance",10,9,high_burden
Niger,2020,urban,female,26,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2020,urban,male,54,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2025,rural,male,61,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2023,rural,male,67,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2019,rural,female,55,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2021,urban,male,38,35-44,second,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2021,rural,female,65,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2024,urban,female,37,35-44,second,1,1,Vodafone Cash,14,101.25,"person_to_person,cash_withdrawal",6,12,high_burden
Niger,2019,rural,female,74,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2021,rural,female,25,15-24,lowest,1,0,Airtel Money,0,0.0,none,3,11,high_burden
Zambia,2023,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2020,urban,female,44,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,8,9,high_burden
Zambia,2020,urban,female,63,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2022,urban,female,55,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2025,rural,female,32,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
DRC,2018,urban,male,74,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2020,rural,male,53,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2021,rural,male,68,55+,middle,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2019,urban,female,22,15-24,second,1,1,MTN Mobile Money,12,96.1,"airtime_purchase,bill_payment,cash_withdrawal,person_to_person,loan_repayment",4,5,high_burden
Mozambique,2022,rural,female,52,45-54,fourth,1,1,e-Mola,9,135.57,"airtime_purchase,loan_repayment,cash_withdrawal",2,8,high_burden
Nigeria,2024,rural,female,33,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2019,rural,male,15,15-24,middle,1,0,Vodapay,0,0.0,none,10,10,high_burden
Tanzania,2024,urban,female,48,45-54,fourth,1,1,Airtel Money,8,179.61,"bill_payment,cash_withdrawal,airtime_purchase,international_remittance,loan_repayment",10,6,high_burden
Rwanda,2018,rural,male,28,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2018,rural,female,21,15-24,middle,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2021,rural,male,32,25-34,second,1,0,Airtel Money,0,0.0,none,6,4,high_burden
Niger,2025,rural,male,38,35-44,lowest,1,0,Moov Money,0,0.0,none,4,17,high_burden
Malawi,2021,rural,male,53,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
DRC,2020,urban,female,57,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2025,urban,male,22,15-24,highest,1,1,Airtel Money,10,87.91,"cash_deposit,airtime_purchase",3,15,high_burden
Ethiopia,2023,urban,male,39,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2024,urban,male,16,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2019,rural,male,69,55+,second,1,1,M-Pesa,6,282.44,"bill_payment,airtime_purchase,international_remittance,merchant_payment",9,2,high_burden
Ghana,2025,rural,male,71,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2020,rural,male,39,35-44,second,1,0,M-Pesa,0,0.0,none,5,4,high_burden
Mozambique,2022,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Niger,2019,urban,male,28,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2025,rural,male,49,45-54,fourth,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2020,rural,male,25,15-24,second,1,1,Airtel Money,8,54.48,"international_remittance,airtime_purchase,cash_withdrawal",6,11,high_burden
Senegal,2020,rural,male,67,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2022,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2019,urban,male,54,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2023,rural,female,65,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2018,rural,female,35,25-34,highest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2025,rural,female,29,25-34,highest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2021,urban,female,74,55+,lowest,1,1,Tigo Pesa,13,147.95,"international_remittance,bill_payment",10,2,high_burden
Mali,2019,rural,male,64,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Niger,2024,rural,female,35,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2024,rural,male,55,45-54,middle,1,0,M-Pesa,0,0.0,none,1,13,high_burden
Malawi,2022,urban,female,49,45-54,fourth,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2021,rural,male,70,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2021,rural,male,39,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,9,4,high_burden
Malawi,2025,urban,male,66,55+,lowest,1,0,Airtel Money,0,0.0,none,2,15,high_burden
Ethiopia,2021,urban,male,21,15-24,fourth,1,0,M-Birr,0,0.0,none,7,3,high_burden
Uganda,2019,urban,female,18,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,8,3,high_burden
Mozambique,2021,urban,male,43,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2022,rural,female,68,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2019,urban,female,69,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,2,11,high_burden
Senegal,2018,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2023,rural,female,56,55+,second,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2025,urban,female,21,15-24,middle,1,1,Vodapay,14,63.3,"person_to_person,airtime_purchase,loan_repayment,bill_payment,cash_withdrawal",10,4,high_burden
Senegal,2020,urban,male,40,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2023,rural,male,44,35-44,second,1,0,Orange Money,0,0.0,none,4,9,high_burden
Niger,2025,urban,male,65,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2023,urban,female,30,25-34,lowest,1,1,M-Pesa,20,143.29,"international_remittance,airtime_purchase",9,7,high_burden
Uganda,2019,urban,male,74,55+,middle,1,0,Airtel Money,0,0.0,none,5,7,high_burden
Mali,2018,rural,female,37,35-44,second,1,1,Moov Money,11,35.8,"loan_repayment,person_to_person",9,10,high_burden
Ethiopia,2023,urban,male,71,55+,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2020,rural,female,56,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2020,rural,female,46,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2020,rural,male,55,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2024,rural,female,52,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
Mali,2024,rural,female,63,55+,second,1,1,Moov Money,13,168.45,"savings,international_remittance,cash_deposit,loan_repayment,bill_payment",2,2,high_burden
Senegal,2020,rural,male,43,35-44,highest,1,1,Wari,8,131.46,"cash_deposit,loan_repayment,merchant_payment,cash_withdrawal,savings",9,2,high_burden
Mozambique,2018,urban,male,32,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
DRC,2023,rural,male,46,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2020,urban,female,57,55+,middle,1,0,e-Mola,0,0.0,none,6,4,high_burden
Tanzania,2022,urban,female,72,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2021,rural,male,43,35-44,lowest,1,0,M-Pesa,0,0.0,none,5,2,high_burden
Mali,2023,rural,female,26,25-34,highest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2023,rural,male,20,15-24,fourth,1,1,M-Pesa,8,78.83,"savings,international_remittance,person_to_person",2,12,high_burden
Ghana,2025,rural,female,48,45-54,highest,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2024,rural,male,58,55+,highest,1,1,Vodafone Cash,5,361.2,"cash_withdrawal,person_to_person",7,9,high_burden
Zambia,2019,rural,female,45,35-44,highest,1,0,Airtel Money,0,0.0,none,5,9,high_burden
Senegal,2023,urban,male,27,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2022,rural,female,42,35-44,highest,1,0,FNB eWallet,0,0.0,none,7,14,high_burden
Tanzania,2024,urban,male,19,15-24,fourth,1,1,M-Pesa,10,240.12,"international_remittance,airtime_purchase,merchant_payment,savings",3,2,high_burden
Ghana,2018,rural,male,39,35-44,highest,1,1,MTN Mobile Money,8,110.5,"merchant_payment,loan_repayment",3,10,high_burden
Ethiopia,2024,urban,male,67,55+,highest,1,0,M-Birr,0,0.0,none,5,9,high_burden
Mali,2025,rural,female,57,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2024,urban,female,55,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2021,urban,male,50,45-54,highest,1,0,MTN Mobile Money,0,0.0,none,6,4,high_burden
Ghana,2023,urban,male,44,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2025,urban,female,24,15-24,lowest,1,0,Airtel Money,0,0.0,none,6,5,high_burden
Niger,2023,rural,male,22,15-24,middle,1,0,Airtel Money,0,0.0,none,10,3,high_burden
Malawi,2019,urban,male,15,15-24,fourth,1,1,Airtel Money,10,75.37,"merchant_payment,bill_payment,cash_withdrawal,savings,person_to_person",9,11,high_burden
Rwanda,2018,urban,female,23,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2025,urban,female,62,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2024,rural,female,58,55+,fourth,1,0,M-Pesa,0,0.0,none,9,1,high_burden
Uganda,2022,rural,female,55,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2023,rural,female,54,45-54,fourth,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2019,urban,female,18,15-24,lowest,1,1,MTN Mobile Money,23,95.41,"cash_withdrawal,airtime_purchase,person_to_person,cash_deposit,savings",6,9,high_burden
Kenya,2021,rural,male,38,35-44,second,1,0,M-Pesa,0,0.0,none,10,12,high_burden
Malawi,2021,urban,male,24,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2021,rural,female,59,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2021,rural,female,62,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2024,urban,male,34,25-34,fourth,1,0,FNB eWallet,0,0.0,none,10,11,high_burden
Uganda,2024,urban,female,65,55+,lowest,1,1,MTN Mobile Money,11,91.91,"person_to_person,savings,international_remittance",7,9,high_burden
Rwanda,2018,urban,female,51,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,8,7,high_burden
Tanzania,2024,rural,female,43,35-44,middle,1,1,Tigo Pesa,8,39.83,"bill_payment,savings",5,16,high_burden
Uganda,2018,urban,female,34,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,6,3,high_burden
Malawi,2024,urban,male,44,35-44,middle,0,0,none,0,0.0,none,5,0,high_burden
Niger,2023,urban,male,29,25-34,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2025,rural,male,71,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2024,urban,male,40,35-44,fourth,1,1,Vodafone Cash,12,127.93,"international_remittance,cash_withdrawal,cash_deposit,merchant_payment",6,6,high_burden
Malawi,2019,rural,female,67,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2023,rural,male,20,15-24,second,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2024,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2022,rural,male,16,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2024,rural,male,26,25-34,lowest,1,0,Orange Money,0,0.0,none,5,11,high_burden
Nigeria,2024,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2024,urban,male,67,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2025,urban,male,48,45-54,highest,1,0,Wave,0,0.0,none,6,14,high_burden
Zambia,2020,urban,female,22,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
DRC,2022,rural,female,71,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2022,urban,male,43,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2023,rural,female,21,15-24,middle,1,1,Airtel Money,9,59.71,"merchant_payment,cash_deposit,loan_repayment,cash_withdrawal,savings",9,2,high_burden
Nigeria,2020,urban,female,22,15-24,lowest,1,1, PalmPay,13,136.9,"bill_payment,cash_withdrawal,loan_repayment,airtime_purchase",6,11,high_burden
Tanzania,2021,urban,male,45,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2022,urban,male,20,15-24,middle,1,0,Vodafone Cash,0,0.0,none,10,7,high_burden
Niger,2021,urban,male,38,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2022,rural,female,60,55+,second,1,1,Wave,11,79.63,"cash_deposit,merchant_payment",1,8,high_burden
South Africa,2025,urban,female,57,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2018,rural,male,69,55+,middle,1,1,MTN Mobile Money,7,81.62,"person_to_person,airtime_purchase,bill_payment,savings,merchant_payment",10,2,high_burden
Senegal,2023,urban,male,40,35-44,fourth,1,1,Orange Money,18,221.45,"savings,person_to_person,loan_repayment",6,9,high_burden
Malawi,2018,urban,female,22,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2022,urban,male,48,45-54,second,1,1,Airtel Money,10,240.72,"airtime_purchase,cash_withdrawal,cash_deposit",8,8,high_burden
Nigeria,2021,rural,male,68,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Niger,2022,rural,female,24,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2023,rural,female,29,25-34,middle,0,0,none,0,0.0,none,7,0,high_burden
DRC,2025,urban,male,22,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2024,urban,male,31,25-34,second,1,1,Orange Money,10,93.36,"cash_withdrawal,bill_payment",10,10,high_burden
Rwanda,2022,rural,female,26,25-34,lowest,1,1,MTN Mobile Money,6,258.0,"cash_deposit,person_to_person,merchant_payment,cash_withdrawal",3,2,high_burden
Mali,2023,rural,male,27,25-34,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2024,rural,male,26,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2019,rural,female,20,15-24,second,1,0,MTN Mobile Money,0,0.0,none,6,4,high_burden
Nigeria,2020,urban,male,56,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2025,urban,female,62,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2024,urban,female,65,55+,fourth,1,1,MTN Mobile Money,9,116.95,"merchant_payment,person_to_person,bill_payment,savings,loan_repayment",5,5,high_burden
Nigeria,2022,rural,male,62,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2024,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2024,urban,male,16,15-24,lowest,1,1,MTN Mobile Money,8,181.44,"cash_deposit,merchant_payment,cash_withdrawal,international_remittance",5,10,high_burden
South Africa,2018,rural,male,62,55+,middle,1,0,Vodapay,0,0.0,none,10,3,high_burden
Ethiopia,2018,rural,female,67,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2025,urban,female,47,45-54,highest,1,0,Airtel Money,0,0.0,none,8,6,high_burden
Niger,2024,urban,female,59,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2022,rural,female,74,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2021,rural,male,73,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Kenya,2020,rural,male,32,25-34,fourth,1,0,Airtel Money,0,0.0,none,8,1,high_burden
Tanzania,2025,rural,male,60,55+,middle,1,0,M-Pesa,0,0.0,none,5,10,high_burden
Niger,2021,urban,male,72,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2020,rural,male,46,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2020,urban,female,53,45-54,middle,1,1,Tigo Pesa,15,101.7,"loan_repayment,person_to_person,airtime_purchase,merchant_payment",10,8,high_burden
Mozambique,2018,rural,female,29,25-34,highest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2020,urban,male,41,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,4,8,high_burden
Senegal,2024,urban,male,63,55+,fourth,1,0,Orange Money,0,0.0,none,5,10,high_burden
Senegal,2023,urban,male,54,45-54,fourth,1,1,Orange Money,12,95.99,"person_to_person,international_remittance,merchant_payment,bill_payment",2,6,high_burden
Senegal,2021,rural,male,22,15-24,second,1,0,Wari,0,0.0,none,2,10,high_burden
Mali,2024,rural,female,15,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2021,rural,female,54,45-54,second,1,0,Zamtel Kwacha,0,0.0,none,8,5,high_burden
Nigeria,2020,urban,male,71,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2024,urban,female,48,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2024,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2025,rural,male,46,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2022,rural,female,50,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2020,rural,female,42,35-44,fourth,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2023,rural,female,45,35-44,highest,1,0,Airtel Money,0,0.0,none,3,9,high_burden
Mali,2020,rural,female,52,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2023,rural,male,72,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2021,rural,female,48,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2020,urban,female,57,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2024,rural,male,41,35-44,fourth,1,0,FNB eWallet,0,0.0,none,6,7,high_burden
Tanzania,2021,urban,female,18,15-24,highest,1,0,M-Pesa,0,0.0,none,10,2,high_burden
Zambia,2024,rural,male,56,55+,middle,1,0,MTN Mobile Money,0,0.0,none,6,4,high_burden
Malawi,2023,urban,male,72,55+,second,1,0,Airtel Money,0,0.0,none,7,11,high_burden
Uganda,2025,urban,female,20,15-24,middle,1,1,Airtel Money,6,155.55,"savings,cash_withdrawal",4,3,high_burden
Mozambique,2025,urban,male,71,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2018,urban,male,58,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2018,rural,male,52,45-54,fourth,1,1,Airtel Money,4,58.99,"cash_withdrawal,bill_payment,cash_deposit,person_to_person,airtime_purchase",6,7,high_burden
DRC,2019,rural,male,24,15-24,fourth,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2025,urban,female,23,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2018,urban,male,21,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2024,rural,female,34,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2020,rural,female,15,15-24,middle,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2025,urban,female,47,45-54,fourth,0,0,none,0,0.0,none,8,0,high_burden
Mali,2022,urban,male,43,35-44,fourth,1,1,Orange Money,18,79.97,"airtime_purchase,international_remittance,merchant_payment,bill_payment,cash_deposit",5,10,high_burden
Kenya,2025,rural,female,74,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2020,urban,male,22,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2023,urban,male,57,55+,middle,1,1,Vodapay,13,125.67,"bill_payment,savings,international_remittance",10,9,high_burden
Mozambique,2023,urban,male,62,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Mali,2022,urban,female,28,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2022,urban,female,55,45-54,fourth,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2022,rural,female,25,15-24,highest,1,1,Wari,9,86.53,"savings,bill_payment,person_to_person,merchant_payment",10,1,high_burden
Niger,2021,rural,male,21,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2025,rural,male,15,15-24,second,1,0,Wave,0,0.0,none,10,1,high_burden
Mali,2022,urban,female,40,35-44,middle,1,0,Moov Money,0,0.0,none,4,10,high_burden
Malawi,2021,rural,female,63,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2024,urban,female,41,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Niger,2020,urban,female,47,45-54,highest,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2020,rural,female,62,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2020,rural,female,60,55+,middle,1,1,Airtel Money,9,54.87,"cash_deposit,international_remittance,savings,loan_repayment",2,7,high_burden
Rwanda,2024,urban,female,36,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2020,urban,male,38,35-44,middle,1,1,MTN Mobile Money,10,118.79,"loan_repayment,airtime_purchase",10,2,high_burden
DRC,2020,rural,male,46,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2022,urban,female,41,35-44,middle,1,0,Airtel Money,0,0.0,none,10,10,high_burden
Mozambique,2022,rural,female,15,15-24,fourth,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2023,rural,female,63,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2021,urban,male,74,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2020,rural,male,56,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2024,rural,female,30,25-34,middle,1,1,MTN Mobile Money,12,107.88,"cash_withdrawal,airtime_purchase,cash_deposit,loan_repayment",2,16,high_burden
Niger,2019,urban,male,63,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2024,urban,male,30,25-34,highest,1,1,e-Mola,13,140.98,"savings,merchant_payment",4,13,high_burden
Malawi,2018,rural,male,67,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2025,urban,female,68,55+,fourth,1,1,Vodafone Cash,8,61.74,"international_remittance,loan_repayment",10,3,high_burden
Nigeria,2020,urban,male,45,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2022,urban,female,72,55+,highest,1,1,Airtel Money,14,73.89,"bill_payment,international_remittance,person_to_person,airtime_purchase",3,11,high_burden
Zambia,2020,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2019,urban,female,49,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2024,rural,male,39,35-44,fourth,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2018,urban,female,51,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
DRC,2023,rural,female,29,25-34,middle,1,1,Orange Money,10,87.54,"international_remittance,savings,cash_deposit",3,6,high_burden
Mozambique,2020,rural,female,16,15-24,highest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2019,rural,male,65,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2025,urban,male,61,55+,middle,1,0,Airtel Money,0,0.0,none,7,17,high_burden
Zambia,2025,urban,male,29,25-34,second,1,1,Airtel Money,18,42.06,"merchant_payment,cash_deposit",10,10,high_burden
Rwanda,2018,rural,female,21,15-24,second,1,1,MTN Mobile Money,5,99.55,"person_to_person,bill_payment,loan_repayment,cash_withdrawal",5,2,high_burden
Mozambique,2022,rural,male,18,15-24,fourth,1,0,e-Mola,0,0.0,none,4,2,high_burden
Senegal,2025,rural,female,16,15-24,fourth,1,0,Orange Money,0,0.0,none,5,8,high_burden
Malawi,2024,rural,female,73,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
DRC,2025,rural,male,41,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Mali,2020,rural,female,60,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2021,urban,male,39,35-44,highest,1,1,M-Pesa,17,117.74,"international_remittance,merchant_payment,person_to_person",7,12,high_burden
Mozambique,2025,rural,male,54,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2025,urban,male,21,15-24,second,1,0,OPay,0,0.0,none,10,13,high_burden
Nigeria,2021,rural,female,60,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2020,rural,male,69,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2024,urban,male,64,55+,second,1,0,Wari,0,0.0,none,2,1,high_burden
Zambia,2019,urban,male,32,25-34,middle,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2021,rural,male,53,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2020,urban,male,28,25-34,middle,1,1,Orange Money,18,71.18,"cash_withdrawal,savings,airtime_purchase,international_remittance,bill_payment",7,8,high_burden
Tanzania,2023,rural,male,67,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2018,rural,male,61,55+,middle,1,0,Airtel Money,0,0.0,none,3,7,high_burden
Uganda,2024,rural,female,62,55+,lowest,1,1,Airtel Money,11,54.21,"person_to_person,airtime_purchase,cash_withdrawal,cash_deposit",3,12,high_burden
Mali,2022,urban,female,57,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2023,urban,female,55,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2025,rural,male,72,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2020,urban,male,30,25-34,middle,1,0,Airtel Money,0,0.0,none,7,3,high_burden
Senegal,2018,rural,male,20,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2020,urban,male,21,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
DRC,2021,rural,male,15,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2020,rural,female,27,25-34,fourth,1,1,MTN Mobile Money,8,59.6,"international_remittance,merchant_payment,cash_deposit,cash_withdrawal",9,8,high_burden
Mozambique,2022,urban,male,30,25-34,middle,1,1,e-Mola,7,73.84,"bill_payment,person_to_person",8,3,high_burden
Rwanda,2020,urban,male,69,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2019,rural,female,59,55+,fourth,1,0,Airtel Money,0,0.0,none,10,8,high_burden
Mozambique,2022,urban,male,15,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2024,urban,female,59,55+,lowest,1,1,Airtel Money,16,112.56,"cash_deposit,loan_repayment,person_to_person,airtime_purchase,bill_payment",6,6,high_burden
Rwanda,2023,rural,female,52,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Mali,2023,urban,male,20,15-24,middle,1,1,Moov Money,11,198.58,"airtime_purchase,cash_withdrawal",8,6,high_burden
Senegal,2018,rural,female,23,15-24,middle,1,1,Wave,8,65.39,"merchant_payment,person_to_person",3,4,high_burden
DRC,2019,rural,male,25,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2019,urban,male,51,45-54,fourth,1,0,Zamtel Kwacha,0,0.0,none,7,9,high_burden
Tanzania,2019,urban,male,69,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2024,rural,female,66,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2019,urban,male,51,45-54,highest,1,1,MTN Mobile Money,8,15.5,"person_to_person,bill_payment,loan_repayment",10,2,high_burden
DRC,2020,urban,male,28,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2025,rural,female,71,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2024,urban,male,49,45-54,fourth,1,0,Vodapay,0,0.0,none,10,9,high_burden
Zambia,2019,rural,female,38,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2022,urban,female,24,15-24,middle,1,1,M-Pesa,11,268.08,"savings,airtime_purchase,cash_withdrawal,cash_deposit,bill_payment",8,13,high_burden
South Africa,2024,urban,female,37,35-44,fourth,1,0,FNB eWallet,0,0.0,none,3,7,high_burden
Ethiopia,2018,rural,male,33,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2020,rural,male,18,15-24,highest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2025,urban,male,31,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2020,urban,male,16,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2023,rural,female,72,55+,middle,1,1,e-Mola,10,38.91,"international_remittance,loan_repayment,cash_deposit,person_to_person,cash_withdrawal",2,2,high_burden
Ethiopia,2025,rural,female,70,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2018,rural,male,50,45-54,highest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2024,urban,female,29,25-34,lowest,1,0,OPay,0,0.0,none,8,9,high_burden
Ethiopia,2023,urban,female,49,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2023,urban,male,38,35-44,fourth,1,0,M-Pesa,0,0.0,none,10,14,high_burden
Ethiopia,2025,urban,male,24,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2020,rural,male,27,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2022,rural,male,52,45-54,second,0,0,none,0,0.0,none,8,0,high_burden
Mali,2025,rural,female,30,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2018,rural,female,30,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2020,rural,male,69,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2024,rural,female,46,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2018,rural,male,56,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Mali,2021,rural,male,47,45-54,fourth,1,0,Moov Money,0,0.0,none,3,2,high_burden
Malawi,2018,urban,male,32,25-34,middle,1,1,TNM Mpamba,13,30.64,"savings,person_to_person,international_remittance,merchant_payment,cash_withdrawal",10,3,high_burden
Mozambique,2023,rural,male,37,35-44,fourth,1,0,M-Pesa,0,0.0,none,2,8,high_burden
Niger,2025,urban,female,55,45-54,fourth,1,1,Moov Money,16,61.2,"savings,merchant_payment,person_to_person,loan_repayment,international_remittance",10,3,high_burden
Ethiopia,2024,urban,female,32,25-34,highest,1,1,telebirr,9,29.76,"loan_repayment,cash_deposit",6,13,high_burden
Mozambique,2023,rural,male,73,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2018,rural,male,48,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2020,urban,female,38,35-44,highest,0,0,none,0,0.0,none,2,0,high_burden
Mali,2024,urban,male,37,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2021,rural,male,35,25-34,highest,1,0,Airtel Money,0,0.0,none,3,11,high_burden
Malawi,2021,rural,female,62,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2024,urban,male,50,45-54,fourth,1,0,Airtel Money,0,0.0,none,10,4,high_burden
Zambia,2018,rural,male,39,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2024,urban,female,70,55+,second,1,1,MTN Mobile Money,10,90.24,"loan_repayment,cash_withdrawal,cash_deposit,international_remittance,savings",9,12,high_burden
Zambia,2024,rural,male,39,35-44,fourth,1,1,Zamtel Kwacha,13,68.34,"cash_withdrawal,loan_repayment,international_remittance",1,15,high_burden
Tanzania,2020,rural,female,50,45-54,highest,1,0,Airtel Money,0,0.0,none,5,10,high_burden
Ethiopia,2023,urban,male,31,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2025,urban,female,67,55+,fourth,1,1,Airtel Money,15,94.28,"person_to_person,airtime_purchase,cash_withdrawal,savings",8,11,high_burden
South Africa,2018,rural,male,27,25-34,fourth,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2022,urban,female,32,25-34,lowest,1,1,MTN Mobile Money,8,216.74,"cash_deposit,bill_payment,savings,airtime_purchase,international_remittance",9,8,high_burden
Mali,2025,rural,female,57,55+,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2024,urban,male,46,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2021,urban,male,33,25-34,second,1,0,Vodafone Cash,0,0.0,none,9,3,high_burden
Rwanda,2025,urban,female,42,35-44,fourth,1,1,Airtel Money,17,52.79,"cash_deposit,airtime_purchase",3,4,high_burden
Tanzania,2020,urban,female,54,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2023,rural,male,61,55+,second,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2019,rural,female,54,45-54,middle,1,1,MTN Mobile Money,16,39.2,"international_remittance,person_to_person",10,4,high_burden
Niger,2019,urban,male,65,55+,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2023,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2023,urban,male,68,55+,lowest,1,1,MTN Mobile Money,14,139.81,"international_remittance,airtime_purchase,cash_withdrawal",2,10,high_burden
Mali,2019,rural,male,45,35-44,second,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2020,rural,female,63,55+,second,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2024,urban,male,20,15-24,middle,1,1,Vodapay,14,78.75,"cash_deposit,merchant_payment,cash_withdrawal,airtime_purchase,bill_payment",3,3,high_burden
Rwanda,2022,urban,male,19,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2021,rural,female,21,15-24,middle,1,0,Airtel Money,0,0.0,none,5,2,high_burden
Mali,2020,rural,female,46,45-54,second,0,0,none,0,0.0,none,2,0,high_burden
Niger,2025,urban,male,71,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2024,rural,female,56,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2024,rural,male,37,35-44,middle,1,0,Paga,0,0.0,none,9,5,high_burden
Niger,2020,urban,female,61,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2019,rural,male,19,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2024,urban,female,15,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2019,urban,male,74,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2022,urban,female,70,55+,middle,1,0,Airtel Money,0,0.0,none,10,11,high_burden
Ethiopia,2022,rural,male,30,25-34,fourth,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2025,rural,male,44,35-44,lowest,1,0,Vodapay,0,0.0,none,10,4,high_burden
Malawi,2025,urban,female,54,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2023,urban,female,22,15-24,second,1,1,Vodapay,11,142.18,"loan_repayment,airtime_purchase",3,5,high_burden
Zambia,2022,urban,female,73,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2023,urban,male,60,55+,second,1,1,TNM Mpamba,8,237.42,"savings,cash_withdrawal,bill_payment,loan_repayment",7,9,high_burden
Zambia,2019,rural,female,62,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2021,urban,female,51,45-54,lowest,1,1,M-Pesa,10,88.76,"merchant_payment,cash_deposit,cash_withdrawal,bill_payment,international_remittance",10,8,high_burden
Kenya,2024,urban,female,33,25-34,middle,1,1,Airtel Money,16,112.5,"bill_payment,international_remittance,loan_repayment",7,6,high_burden
Rwanda,2024,rural,female,16,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2024,urban,female,41,35-44,highest,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2025,rural,female,19,15-24,highest,1,0,Airtel Money,0,0.0,none,10,6,high_burden
DRC,2025,urban,male,41,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2022,rural,female,18,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2022,urban,male,29,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2024,rural,male,54,45-54,middle,1,0,Wari,0,0.0,none,7,12,high_burden
Nigeria,2021,urban,female,72,55+,highest,1,1, PalmPay,13,143.39,"airtime_purchase,international_remittance",9,5,high_burden
DRC,2023,rural,female,67,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2025,rural,male,27,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,4,4,high_burden
DRC,2022,urban,male,44,35-44,middle,1,0,Airtel Money,0,0.0,none,7,7,high_burden
Zambia,2022,urban,female,38,35-44,second,1,0,Zamtel Kwacha,0,0.0,none,7,1,high_burden
Senegal,2018,urban,male,58,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Niger,2020,urban,male,55,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2019,urban,male,54,45-54,fourth,1,1, PalmPay,14,175.16,"international_remittance,merchant_payment,person_to_person,cash_withdrawal",9,11,high_burden
Ghana,2021,rural,female,19,15-24,second,1,0,AirtelTigo Money,0,0.0,none,2,1,high_burden
Tanzania,2020,rural,female,37,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Mali,2021,rural,male,57,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Ethiopia,2021,rural,female,28,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2023,urban,female,66,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,10,6,high_burden
Uganda,2020,rural,female,47,45-54,middle,1,1,Airtel Money,5,100.72,"cash_deposit,savings,airtime_purchase,international_remittance",5,2,high_burden
DRC,2025,urban,male,26,25-34,highest,1,1,Airtel Money,14,122.51,"merchant_payment,savings,bill_payment",6,1,high_burden
Ethiopia,2025,urban,male,43,35-44,second,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2024,urban,male,41,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2020,urban,male,62,55+,middle,1,0, PalmPay,0,0.0,none,2,11,high_burden
Tanzania,2024,rural,male,46,45-54,middle,1,0,Airtel Money,0,0.0,none,1,2,high_burden
Tanzania,2020,rural,female,16,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2019,rural,female,24,15-24,fourth,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2020,urban,female,62,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2024,rural,female,59,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2021,urban,female,70,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2018,rural,male,74,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Niger,2019,urban,male,63,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2024,rural,female,40,35-44,middle,0,0,none,0,0.0,none,5,0,high_burden
Niger,2022,urban,male,31,25-34,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2022,rural,male,53,45-54,highest,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2024,urban,female,45,35-44,lowest,1,1,M-Pesa,16,54.44,"merchant_payment,cash_withdrawal,bill_payment,savings,cash_deposit",9,1,high_burden
DRC,2021,rural,female,24,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mali,2022,rural,female,44,35-44,highest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2023,urban,male,38,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,2,4,high_burden
Ghana,2018,urban,male,15,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2023,urban,male,64,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2019,urban,female,49,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Niger,2018,urban,female,36,35-44,middle,0,0,none,0,0.0,none,2,0,high_burden
DRC,2022,urban,male,57,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2025,rural,female,69,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,8,4,high_burden
Ethiopia,2024,rural,female,70,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2023,urban,female,57,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2021,urban,male,31,25-34,lowest,1,0,Airtel Money,0,0.0,none,10,10,high_burden
Mozambique,2021,rural,female,71,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2022,rural,male,29,25-34,middle,0,0,none,0,0.0,none,8,0,high_burden
Mali,2019,urban,male,18,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2019,rural,female,20,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2023,urban,male,46,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2022,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2024,urban,male,69,55+,highest,1,1,Airtel Money,15,45.73,"bill_payment,person_to_person",3,14,high_burden
DRC,2019,rural,male,40,35-44,fourth,1,0,M-Pesa,0,0.0,none,8,7,high_burden
Niger,2024,rural,female,18,15-24,highest,1,1,Airtel Money,7,351.81,"cash_withdrawal,international_remittance",6,8,high_burden
Senegal,2023,urban,female,37,35-44,fourth,1,1,Wari,6,47.93,"international_remittance,person_to_person,merchant_payment,cash_deposit",2,11,high_burden
Zambia,2023,rural,male,36,35-44,fourth,1,1,Zamtel Kwacha,7,99.5,"cash_deposit,merchant_payment,bill_payment,savings,international_remittance",4,7,high_burden
Tanzania,2020,rural,male,43,35-44,fourth,0,0,none,0,0.0,none,3,0,high_burden
Niger,2022,urban,female,48,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2025,rural,female,62,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2019,urban,male,39,35-44,highest,1,1,Wave,19,68.93,"loan_repayment,savings,cash_deposit,merchant_payment",2,6,high_burden
Uganda,2019,urban,female,17,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2021,rural,female,73,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2024,urban,female,73,55+,lowest,1,0,Airtel Money,0,0.0,none,8,3,high_burden
Kenya,2019,urban,female,45,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2023,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2025,rural,female,46,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2019,rural,female,30,25-34,fourth,1,1,Airtel Money,9,91.29,"cash_withdrawal,cash_deposit,savings",8,11,high_burden
South Africa,2023,rural,male,17,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2018,rural,female,23,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2022,urban,male,33,25-34,highest,1,1,MTN Mobile Money,12,55.43,"loan_repayment,bill_payment",7,6,high_burden
Zambia,2023,rural,male,47,45-54,middle,1,0,Zamtel Kwacha,0,0.0,none,5,14,high_burden
Uganda,2023,rural,female,29,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,9,12,high_burden
Tanzania,2020,rural,female,68,55+,second,1,1,Airtel Money,11,54.47,"person_to_person,merchant_payment,cash_withdrawal,bill_payment",6,10,high_burden
South Africa,2020,rural,female,46,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2024,rural,female,29,25-34,highest,1,0,Tigo Pesa,0,0.0,none,9,8,high_burden
Malawi,2024,urban,male,67,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2024,urban,female,48,45-54,lowest,1,1,Airtel Money,11,126.23,"merchant_payment,savings",5,8,high_burden
Ghana,2025,urban,female,42,35-44,fourth,1,0,AirtelTigo Money,0,0.0,none,7,5,high_burden
Rwanda,2023,urban,female,49,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2025,rural,female,35,25-34,lowest,1,1,Airtel Money,5,173.48,"cash_deposit,merchant_payment,bill_payment,airtime_purchase,person_to_person",6,16,high_burden
Mali,2021,urban,female,65,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Mali,2022,urban,female,62,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2021,rural,male,28,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2022,rural,female,71,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2022,rural,female,69,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2021,rural,male,56,55+,highest,1,1,Airtel Money,5,32.36,"airtime_purchase,cash_deposit,international_remittance,savings,merchant_payment",10,3,high_burden
Uganda,2021,urban,male,22,15-24,fourth,1,1,Airtel Money,10,100.07,"merchant_payment,loan_repayment,airtime_purchase",6,5,high_burden
Kenya,2021,urban,female,67,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2022,rural,female,53,45-54,highest,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2021,urban,female,41,35-44,middle,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2019,rural,female,38,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2022,rural,male,25,15-24,highest,1,1,Airtel Money,10,206.45,"loan_repayment,person_to_person",4,4,high_burden
Ghana,2023,urban,female,19,15-24,middle,1,0,AirtelTigo Money,0,0.0,none,10,6,high_burden
Ghana,2024,urban,male,28,25-34,highest,1,1,Vodafone Cash,17,150.8,"bill_payment,cash_deposit,international_remittance,cash_withdrawal",10,2,high_burden
Nigeria,2024,rural,male,52,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2022,urban,male,30,25-34,fourth,1,0,Airtel Money,0,0.0,none,3,14,high_burden
Mozambique,2019,urban,female,21,15-24,highest,1,0,M-Pesa,0,0.0,none,5,4,high_burden
Nigeria,2024,rural,male,72,55+,highest,1,0,OPay,0,0.0,none,10,4,high_burden
Mozambique,2022,rural,female,44,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2025,urban,male,39,35-44,second,1,1,MTN Mobile Money,9,214.58,"bill_payment,airtime_purchase,cash_deposit",7,5,high_burden
Ethiopia,2025,urban,male,20,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2022,rural,male,47,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2021,urban,male,70,55+,fourth,1,1,FNB eWallet,10,161.7,"airtime_purchase,cash_withdrawal",5,6,high_burden
Rwanda,2021,urban,male,50,45-54,fourth,1,1,MTN Mobile Money,11,72.97,"airtime_purchase,person_to_person",9,13,high_burden
Niger,2024,urban,female,57,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2018,rural,male,66,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2020,rural,female,19,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2024,urban,male,25,15-24,second,1,0,Wari,0,0.0,none,7,3,high_burden
Rwanda,2025,rural,female,46,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2023,rural,female,59,55+,fourth,1,1,Airtel Money,11,145.5,"cash_withdrawal,cash_deposit,loan_repayment,airtime_purchase",10,10,high_burden
Kenya,2024,urban,male,52,45-54,second,1,0,Airtel Money,0,0.0,none,3,5,high_burden
Ethiopia,2020,rural,male,73,55+,middle,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2021,rural,female,19,15-24,highest,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2024,urban,female,20,15-24,second,1,0,MTN Mobile Money,0,0.0,none,7,7,high_burden
Tanzania,2019,rural,female,59,55+,lowest,1,0,Airtel Money,0,0.0,none,9,3,high_burden
DRC,2020,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2021,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,5,0,high_burden
DRC,2018,urban,male,23,15-24,middle,1,1,Airtel Money,16,97.6,"bill_payment,loan_repayment,merchant_payment,cash_withdrawal,cash_deposit",3,4,high_burden
Zambia,2019,rural,male,59,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2023,rural,female,36,35-44,middle,1,0,Paga,0,0.0,none,1,7,high_burden
Ghana,2023,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2024,rural,female,16,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2025,rural,female,22,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2018,urban,male,49,45-54,fourth,1,0,Paga,0,0.0,none,7,8,high_burden
DRC,2018,urban,female,50,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Mali,2018,rural,female,68,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Mali,2023,rural,male,73,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2024,urban,male,37,35-44,lowest,1,1,M-Pesa,11,121.34,"international_remittance,person_to_person,cash_withdrawal",2,16,high_burden
Mozambique,2023,urban,male,46,45-54,highest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2018,urban,male,42,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2022,rural,male,71,55+,highest,1,0,M-Pesa,0,0.0,none,3,2,high_burden
Rwanda,2021,urban,female,35,25-34,lowest,1,1,Airtel Money,10,32.14,"savings,cash_deposit,international_remittance,airtime_purchase",7,11,high_burden
South Africa,2023,urban,male,18,15-24,second,1,0,Vodapay,0,0.0,none,3,8,high_burden
Mali,2020,urban,female,49,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Mali,2022,urban,male,23,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Niger,2022,urban,male,45,35-44,middle,1,0,Airtel Money,0,0.0,none,10,1,high_burden
Mali,2023,rural,male,25,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2025,rural,female,42,35-44,lowest,0,0,none,0,0.0,none,5,0,high_burden
Niger,2022,rural,female,24,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2018,rural,female,69,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2021,rural,female,35,25-34,fourth,1,1,Airtel Money,11,279.17,"international_remittance,bill_payment,airtime_purchase,cash_withdrawal,savings",2,7,high_burden
Kenya,2024,urban,female,48,45-54,fourth,1,0,Airtel Money,0,0.0,none,10,10,high_burden
DRC,2024,rural,female,29,25-34,fourth,1,0,Airtel Money,0,0.0,none,3,4,high_burden
Kenya,2018,rural,female,22,15-24,lowest,1,0,M-Pesa,0,0.0,none,9,8,high_burden
Ghana,2022,rural,female,21,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2020,rural,female,20,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2020,rural,male,29,25-34,highest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2025,urban,male,60,55+,middle,1,1,M-Pesa,12,499.98,"merchant_payment,person_to_person,cash_withdrawal",7,15,high_burden
Senegal,2024,rural,female,56,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2025,rural,male,39,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2023,rural,female,53,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2025,rural,female,35,25-34,fourth,1,0,Wave,0,0.0,none,8,3,high_burden
Kenya,2019,rural,female,33,25-34,lowest,1,0,Airtel Money,0,0.0,none,10,4,high_burden
Ghana,2020,rural,female,44,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,7,12,high_burden
Uganda,2025,rural,male,21,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2024,urban,male,23,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2018,urban,female,15,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2018,rural,male,37,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2021,rural,female,55,45-54,middle,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2023,rural,female,63,55+,highest,1,1,AirtelTigo Money,15,115.53,"cash_withdrawal,savings,cash_deposit,bill_payment",9,3,high_burden
DRC,2025,urban,female,70,55+,middle,1,0,Airtel Money,0,0.0,none,8,8,high_burden
Zambia,2023,rural,male,41,35-44,highest,0,0,none,0,0.0,none,1,0,high_burden
Mali,2022,urban,male,24,15-24,middle,1,1,Moov Money,10,128.15,"person_to_person,airtime_purchase,international_remittance,cash_withdrawal,loan_repayment",10,4,high_burden
Malawi,2019,rural,male,71,55+,highest,1,1,TNM Mpamba,10,82.1,"cash_deposit,cash_withdrawal",4,10,high_burden
Rwanda,2023,urban,female,38,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,10,6,high_burden
Uganda,2019,rural,female,46,45-54,second,1,0,MTN Mobile Money,0,0.0,none,7,10,high_burden
South Africa,2025,urban,male,64,55+,second,1,0,MTN Mobile Money,0,0.0,none,6,15,high_burden
Mozambique,2023,rural,male,50,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2022,rural,female,24,15-24,middle,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2018,rural,male,31,25-34,fourth,1,1,M-Birr,9,77.02,"bill_payment,merchant_payment,cash_deposit",10,9,high_burden
Rwanda,2024,rural,female,74,55+,middle,1,0,Airtel Money,0,0.0,none,5,5,high_burden
Mozambique,2025,rural,male,72,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2020,rural,male,48,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2019,urban,male,22,15-24,middle,1,0,M-Pesa,0,0.0,none,4,3,high_burden
Nigeria,2023,rural,female,63,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2021,rural,female,34,25-34,highest,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2023,urban,female,18,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2022,rural,female,68,55+,fourth,1,1,M-Pesa,11,41.97,"airtime_purchase,cash_deposit,international_remittance,savings",9,4,high_burden
Kenya,2018,rural,male,40,35-44,middle,1,0,M-Pesa,0,0.0,none,4,1,high_burden
DRC,2025,rural,male,69,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2025,rural,female,16,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2021,rural,female,22,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2019,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2021,urban,male,39,35-44,middle,1,0,e-Mola,0,0.0,none,7,4,high_burden
Tanzania,2025,rural,male,47,45-54,middle,1,0,M-Pesa,0,0.0,none,7,6,high_burden
Zambia,2019,rural,male,66,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2020,rural,female,66,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2018,urban,male,43,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2020,urban,female,41,35-44,middle,1,0,Airtel Money,0,0.0,none,10,11,high_burden
Senegal,2022,urban,female,17,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2025,rural,male,67,55+,middle,1,1,Zamtel Kwacha,7,49.76,"airtime_purchase,bill_payment,person_to_person,savings,cash_withdrawal",2,12,high_burden
South Africa,2022,urban,female,34,25-34,fourth,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2025,rural,male,33,25-34,fourth,1,0,Wari,0,0.0,none,6,5,high_burden
South Africa,2025,urban,male,27,25-34,highest,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2025,rural,male,32,25-34,highest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2019,urban,male,69,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2023,urban,male,70,55+,second,1,1,Zamtel Kwacha,12,107.99,"savings,cash_withdrawal",10,8,high_burden
Zambia,2018,urban,female,37,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2021,rural,male,71,55+,lowest,1,1,Airtel Money,7,121.95,"savings,loan_repayment,bill_payment,cash_deposit,person_to_person",2,1,high_burden
Tanzania,2019,rural,male,60,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2021,urban,female,59,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2022,rural,male,39,35-44,middle,1,0,Airtel Money,0,0.0,none,7,4,high_burden
Nigeria,2023,rural,male,69,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2019,rural,male,33,25-34,fourth,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2025,rural,male,43,35-44,fourth,0,0,none,0,0.0,none,3,0,high_burden
Mali,2022,rural,female,63,55+,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2021,rural,female,36,35-44,fourth,1,0,Orange Money,0,0.0,none,7,5,high_burden
Uganda,2022,urban,female,36,35-44,highest,1,1,Airtel Money,10,104.78,"airtime_purchase,merchant_payment",8,12,high_burden
Kenya,2021,rural,male,30,25-34,second,1,0,Airtel Money,0,0.0,none,2,2,high_burden
Mozambique,2022,rural,male,72,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2023,urban,female,18,15-24,middle,0,0,none,0,0.0,none,4,0,high_burden
Niger,2019,rural,male,48,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2021,rural,male,40,35-44,middle,1,1,Tigo Pesa,16,71.46,"international_remittance,bill_payment",5,13,high_burden
Nigeria,2023,urban,male,55,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2021,rural,male,20,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
DRC,2025,rural,male,68,55+,highest,1,1,M-Pesa,9,83.69,"cash_deposit,person_to_person,airtime_purchase",7,14,high_burden
Nigeria,2023,urban,male,44,35-44,middle,1,1,OPay,22,205.56,"savings,loan_repayment,person_to_person,cash_withdrawal",9,6,high_burden
Uganda,2024,rural,male,44,35-44,fourth,1,1,MTN Mobile Money,12,69.7,"international_remittance,cash_deposit,savings",1,1,high_burden
Nigeria,2020,urban,female,61,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2022,rural,male,29,25-34,fourth,1,0,e-Mola,0,0.0,none,10,5,high_burden
DRC,2018,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2018,rural,female,57,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2022,rural,female,58,55+,middle,0,0,none,0,0.0,none,1,0,high_burden
Malawi,2019,rural,female,23,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2020,urban,male,50,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2020,rural,male,42,35-44,middle,1,1,MTN Mobile Money,8,38.13,"merchant_payment,person_to_person",8,7,high_burden
Mali,2023,rural,female,53,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2024,rural,male,21,15-24,middle,1,0,Airtel Money,0,0.0,none,10,11,high_burden
Uganda,2024,urban,female,50,45-54,second,1,1,MTN Mobile Money,12,167.71,"savings,person_to_person,international_remittance",10,2,high_burden
Zambia,2023,rural,male,16,15-24,lowest,1,0,Zamtel Kwacha,0,0.0,none,6,5,high_burden
Zambia,2022,urban,female,44,35-44,fourth,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2025,rural,female,59,55+,fourth,1,0,Airtel Money,0,0.0,none,2,6,high_burden
Mali,2022,rural,female,51,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2020,rural,female,67,55+,highest,1,1,TNM Mpamba,5,49.0,"cash_deposit,bill_payment,international_remittance,person_to_person",10,1,high_burden
Rwanda,2018,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,1,0,high_burden
Mali,2022,urban,female,47,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2021,rural,male,25,15-24,lowest,1,1,MTN Mobile Money,10,137.28,"cash_withdrawal,cash_deposit,person_to_person,loan_repayment,airtime_purchase",4,7,high_burden
Mozambique,2025,urban,male,18,15-24,middle,1,0,M-Pesa,0,0.0,none,7,6,high_burden
DRC,2021,rural,male,62,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2025,rural,female,30,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,8,1,high_burden
Kenya,2022,urban,female,60,55+,fourth,1,1,M-Pesa,8,118.41,"international_remittance,loan_repayment,savings",10,2,high_burden
Ghana,2019,urban,female,71,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2020,rural,female,42,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2025,rural,male,43,35-44,middle,0,0,none,0,0.0,none,1,0,high_burden
Niger,2024,urban,female,52,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2025,rural,female,39,35-44,lowest,1,1,Orange Money,10,45.44,"international_remittance,loan_repayment,merchant_payment,cash_deposit",4,1,high_burden
Ethiopia,2020,urban,female,72,55+,second,0,0,none,0,0.0,none,3,0,high_burden
DRC,2018,rural,female,56,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2024,urban,male,62,55+,lowest,1,0,M-Pesa,0,0.0,none,9,14,high_burden
Mozambique,2021,rural,male,33,25-34,fourth,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2019,urban,male,54,45-54,highest,1,1,Airtel Money,11,98.93,"international_remittance,merchant_payment,cash_deposit,airtime_purchase,loan_repayment",3,1,high_burden
South Africa,2019,rural,male,41,35-44,lowest,1,1,MTN Mobile Money,5,44.45,"person_to_person,bill_payment,loan_repayment,merchant_payment,cash_withdrawal",1,9,high_burden
Senegal,2021,urban,female,61,55+,middle,1,1,Orange Money,8,128.31,"merchant_payment,cash_withdrawal,airtime_purchase",8,1,high_burden
Nigeria,2024,rural,female,67,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Mali,2018,urban,female,55,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2018,rural,female,45,35-44,lowest,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2018,rural,male,46,45-54,highest,1,0,M-Pesa,0,0.0,none,10,1,high_burden
Uganda,2021,urban,male,30,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,4,11,high_burden
Ghana,2020,rural,female,57,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2021,rural,male,18,15-24,highest,1,0,Airtel Money,0,0.0,none,5,8,high_burden
Mozambique,2021,rural,male,40,35-44,middle,1,1,M-Pesa,11,32.02,"loan_repayment,international_remittance",7,3,high_burden
Nigeria,2025,urban,male,30,25-34,lowest,1,1, PalmPay,16,161.67,"person_to_person,cash_withdrawal",7,12,high_burden
Uganda,2022,rural,male,26,25-34,second,1,1,Airtel Money,3,191.37,"cash_withdrawal,loan_repayment",2,8,high_burden
DRC,2020,urban,female,16,15-24,lowest,1,1,Orange Money,12,130.61,"person_to_person,airtime_purchase,cash_deposit,loan_repayment,international_remittance",5,9,high_burden
DRC,2020,urban,male,37,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2020,rural,female,41,35-44,middle,1,0,M-Pesa,0,0.0,none,9,5,high_burden
Kenya,2024,urban,female,62,55+,middle,1,1,M-Pesa,11,52.25,"merchant_payment,loan_repayment,cash_deposit,international_remittance",7,6,high_burden
Mali,2024,urban,female,63,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2023,rural,male,20,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,10,8,high_burden
Mali,2025,urban,female,67,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2021,rural,male,65,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2024,rural,male,62,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2018,rural,male,74,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2024,rural,male,54,45-54,middle,1,1,Airtel Money,7,69.97,"person_to_person,savings,cash_deposit,bill_payment",5,13,high_burden
South Africa,2020,urban,female,45,35-44,middle,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2018,urban,female,25,15-24,highest,1,1,MTN Mobile Money,12,56.87,"savings,cash_withdrawal,person_to_person,merchant_payment,airtime_purchase",4,2,high_burden
Nigeria,2025,rural,female,61,55+,lowest,1,0,Paga,0,0.0,none,2,8,high_burden
Rwanda,2019,urban,female,44,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2019,urban,female,71,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2024,rural,female,23,15-24,middle,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2021,rural,female,65,55+,fourth,1,1,M-Pesa,11,62.51,"merchant_payment,person_to_person,airtime_purchase",10,5,high_burden
Zambia,2019,rural,female,62,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2019,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
DRC,2022,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2022,urban,female,70,55+,fourth,1,0,Airtel Money,0,0.0,none,10,10,high_burden
South Africa,2023,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2025,rural,male,27,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2019,rural,female,25,15-24,second,1,0,Airtel Money,0,0.0,none,6,6,high_burden
DRC,2025,rural,male,52,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2022,rural,male,23,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2020,urban,female,31,25-34,second,1,0,Airtel Money,0,0.0,none,5,7,high_burden
Mali,2021,urban,male,47,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2021,urban,male,60,55+,lowest,1,0,M-Birr,0,0.0,none,2,11,high_burden
Ghana,2024,rural,female,34,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Mali,2018,rural,female,43,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2024,rural,female,58,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2019,rural,female,69,55+,highest,1,0,MTN Mobile Money,0,0.0,none,5,1,high_burden
Zambia,2023,rural,female,71,55+,fourth,1,1,Zamtel Kwacha,5,101.03,"cash_withdrawal,person_to_person,loan_repayment",2,1,high_burden
Mali,2024,rural,female,21,15-24,fourth,0,0,none,0,0.0,none,4,0,high_burden
Niger,2020,rural,female,55,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2018,urban,female,38,35-44,second,1,0,MTN Mobile Money,0,0.0,none,6,8,high_burden
Senegal,2019,urban,male,73,55+,second,1,1,Wari,13,89.0,"person_to_person,airtime_purchase,savings,international_remittance,loan_repayment",4,8,high_burden
Kenya,2021,rural,female,74,55+,second,1,1,M-Pesa,7,76.44,"cash_withdrawal,cash_deposit,savings,person_to_person",7,11,high_burden
Tanzania,2018,urban,male,33,25-34,middle,1,1,M-Pesa,12,193.87,"bill_payment,international_remittance",10,5,high_burden
Niger,2021,rural,male,56,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2024,rural,female,36,35-44,middle,1,1,MTN Mobile Money,10,72.41,"loan_repayment,cash_withdrawal,person_to_person,savings",9,5,high_burden
Mali,2020,urban,male,17,15-24,middle,1,1,Orange Money,9,151.42,"savings,airtime_purchase,cash_deposit",10,11,high_burden
Tanzania,2022,urban,female,44,35-44,highest,1,0,Airtel Money,0,0.0,none,9,14,high_burden
South Africa,2021,rural,female,22,15-24,lowest,1,1,MTN Mobile Money,8,85.26,"person_to_person,airtime_purchase,cash_withdrawal,bill_payment",9,1,high_burden
Mali,2023,urban,female,36,35-44,second,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2025,rural,male,34,25-34,highest,1,0,M-Pesa,0,0.0,none,10,15,high_burden
Mozambique,2024,rural,female,35,25-34,middle,1,0,e-Mola,0,0.0,none,2,11,high_burden
Mozambique,2025,rural,male,44,35-44,middle,1,0,e-Mola,0,0.0,none,4,15,high_burden
Nigeria,2018,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2021,urban,male,68,55+,second,1,1,Airtel Money,6,85.49,"loan_repayment,person_to_person,bill_payment",9,7,high_burden
Rwanda,2024,urban,male,64,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Niger,2019,urban,male,31,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2019,urban,female,49,45-54,second,1,1,AirtelTigo Money,9,42.15,"airtime_purchase,cash_deposit,person_to_person",10,11,high_burden
Mali,2022,urban,male,69,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2021,rural,male,60,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2023,urban,female,49,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2023,urban,male,51,45-54,fourth,1,0,Tigo Pesa,0,0.0,none,9,1,high_burden
Malawi,2021,urban,female,66,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2023,urban,female,66,55+,second,1,0,Airtel Money,0,0.0,none,4,15,high_burden
Senegal,2023,rural,male,28,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2023,rural,female,52,45-54,second,1,1,Vodafone Cash,11,66.7,"bill_payment,cash_withdrawal,cash_deposit",2,15,high_burden
Uganda,2024,urban,female,66,55+,middle,1,0,MTN Mobile Money,0,0.0,none,10,16,high_burden
Mali,2022,rural,female,38,35-44,middle,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2024,urban,male,19,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2024,rural,male,27,25-34,highest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2024,rural,female,61,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2024,rural,male,73,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2022,rural,male,22,15-24,second,1,0,Moov Money,0,0.0,none,9,6,high_burden
Niger,2020,rural,male,70,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
DRC,2019,rural,male,46,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2019,urban,male,43,35-44,highest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2025,urban,female,38,35-44,middle,1,0,Airtel Money,0,0.0,none,10,13,high_burden
Malawi,2019,rural,female,27,25-34,fourth,1,0,TNM Mpamba,0,0.0,none,6,4,high_burden
South Africa,2025,rural,female,41,35-44,fourth,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2020,urban,female,36,35-44,highest,1,1,Airtel Money,12,38.39,"loan_repayment,person_to_person,airtime_purchase",10,4,high_burden
Rwanda,2024,urban,female,17,15-24,lowest,1,1,Airtel Money,12,82.78,"cash_deposit,merchant_payment,savings,cash_withdrawal,person_to_person",10,6,high_burden
DRC,2025,urban,female,17,15-24,lowest,1,0,Orange Money,0,0.0,none,8,15,high_burden
Mozambique,2019,urban,female,59,55+,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2023,rural,male,73,55+,highest,1,0,FNB eWallet,0,0.0,none,2,10,high_burden
Mali,2022,urban,female,46,45-54,middle,1,1,Moov Money,12,118.52,"loan_repayment,bill_payment,cash_deposit,airtime_purchase,international_remittance",8,14,high_burden
Kenya,2025,rural,female,68,55+,fourth,1,0,Airtel Money,0,0.0,none,2,4,high_burden
DRC,2021,rural,female,21,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2024,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2021,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2023,urban,male,30,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2022,rural,male,37,35-44,highest,1,0,Airtel Money,0,0.0,none,5,6,high_burden
Ghana,2023,urban,male,30,25-34,highest,1,1,MTN Mobile Money,12,86.05,"airtime_purchase,person_to_person,international_remittance,bill_payment,savings",3,15,high_burden
Ethiopia,2020,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2019,urban,female,39,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Niger,2022,rural,female,27,25-34,second,1,0,Airtel Money,0,0.0,none,8,8,high_burden
Nigeria,2023,urban,female,36,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2018,urban,male,40,35-44,second,1,0,M-Pesa,0,0.0,none,10,4,high_burden
Nigeria,2022,urban,male,48,45-54,highest,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2025,urban,male,55,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2024,urban,male,50,45-54,middle,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2023,rural,female,53,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,3,6,high_burden
Mozambique,2025,rural,male,57,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2025,rural,male,29,25-34,highest,1,0,Orange Money,0,0.0,none,4,4,high_burden
DRC,2021,rural,male,63,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2019,urban,female,36,35-44,highest,1,0,TNM Mpamba,0,0.0,none,10,6,high_burden
Zambia,2024,urban,female,70,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2024,urban,female,72,55+,second,1,1,MTN Mobile Money,15,36.95,"loan_repayment,airtime_purchase",2,5,high_burden
Niger,2023,rural,male,17,15-24,fourth,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2018,rural,male,64,55+,lowest,1,0,Orange Money,0,0.0,none,7,8,high_burden
Rwanda,2025,rural,female,66,55+,second,1,0,Airtel Money,0,0.0,none,2,17,high_burden
South Africa,2022,rural,male,67,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2018,urban,male,51,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2025,urban,male,30,25-34,highest,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2025,rural,male,59,55+,fourth,1,0,Airtel Money,0,0.0,none,1,16,high_burden
Uganda,2021,urban,male,67,55+,middle,1,1,MTN Mobile Money,9,54.54,"cash_withdrawal,cash_deposit,person_to_person",8,13,high_burden
South Africa,2023,urban,male,20,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2021,urban,female,58,55+,fourth,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2022,urban,male,41,35-44,fourth,1,1,TNM Mpamba,8,217.1,"loan_repayment,person_to_person,cash_deposit",4,6,high_burden
Tanzania,2018,rural,female,64,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2024,rural,female,21,15-24,second,1,0,M-Pesa,0,0.0,none,10,4,high_burden
Nigeria,2023,rural,female,38,35-44,middle,1,1, PalmPay,3,52.4,"savings,person_to_person",6,14,high_burden
Kenya,2022,urban,female,67,55+,second,1,1,M-Pesa,9,61.63,"savings,international_remittance,loan_repayment",3,6,high_burden
Mozambique,2019,urban,female,65,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2024,rural,female,53,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Mali,2023,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2021,rural,female,17,15-24,lowest,1,0,AirtelTigo Money,0,0.0,none,9,9,high_burden
DRC,2020,urban,female,52,45-54,second,1,1,M-Pesa,12,628.08,"cash_deposit,international_remittance,airtime_purchase",10,10,high_burden
Senegal,2019,rural,male,39,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2021,rural,male,47,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2018,urban,female,23,15-24,middle,1,0,M-Pesa,0,0.0,none,10,9,high_burden
Ethiopia,2021,rural,male,54,45-54,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2025,rural,male,68,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Mali,2019,rural,female,60,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2023,rural,female,63,55+,fourth,1,1,M-Pesa,8,86.53,"savings,bill_payment,person_to_person",7,12,high_burden
Mozambique,2025,rural,female,70,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2021,rural,female,39,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Niger,2024,rural,male,18,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2023,rural,female,48,45-54,highest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2022,rural,male,72,55+,highest,1,1,M-Birr,7,41.79,"person_to_person,international_remittance,cash_withdrawal",3,9,high_burden
Rwanda,2025,rural,male,36,35-44,second,1,0,Airtel Money,0,0.0,none,3,13,high_burden
Ethiopia,2020,rural,female,38,35-44,fourth,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2020,urban,female,33,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2018,rural,male,71,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2022,rural,male,56,55+,second,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2021,rural,male,67,55+,lowest,1,0,FNB eWallet,0,0.0,none,2,6,high_burden
Ethiopia,2022,rural,female,66,55+,second,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2018,rural,female,21,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Mali,2018,urban,male,46,45-54,fourth,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2018,rural,male,34,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2020,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2018,urban,male,61,55+,fourth,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2025,urban,female,49,45-54,second,1,1,MTN Mobile Money,10,57.82,"cash_deposit,international_remittance",2,5,high_burden
Kenya,2024,urban,female,55,45-54,second,1,0,M-Pesa,0,0.0,none,10,14,high_burden
Rwanda,2025,rural,male,60,55+,middle,1,0,Airtel Money,0,0.0,none,4,7,high_burden
Ghana,2023,rural,female,15,15-24,lowest,1,1,AirtelTigo Money,17,24.91,"international_remittance,bill_payment,merchant_payment,person_to_person,loan_repayment",5,2,high_burden
Nigeria,2021,rural,male,74,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2021,urban,female,52,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2018,rural,male,64,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2022,rural,male,39,35-44,middle,1,1,Airtel Money,5,62.42,"merchant_payment,cash_deposit",9,7,high_burden
Nigeria,2020,rural,male,26,25-34,highest,1,0,Paga,0,0.0,none,5,11,high_burden
Malawi,2021,rural,male,54,45-54,middle,1,0,Airtel Money,0,0.0,none,6,2,high_burden
Uganda,2021,rural,male,31,25-34,fourth,1,0,Airtel Money,0,0.0,none,5,1,high_burden
Uganda,2022,rural,female,57,55+,highest,1,0,MTN Mobile Money,0,0.0,none,10,8,high_burden
Ethiopia,2018,rural,female,28,25-34,fourth,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2020,rural,female,27,25-34,lowest,1,0,Wari,0,0.0,none,10,4,high_burden
Ghana,2024,urban,female,27,25-34,highest,0,0,none,0,0.0,none,3,0,high_burden
Niger,2019,rural,female,70,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2018,rural,male,36,35-44,lowest,1,1,MTN Mobile Money,7,326.01,"cash_deposit,savings,airtime_purchase,loan_repayment,cash_withdrawal",1,5,high_burden
Tanzania,2020,rural,male,19,15-24,highest,1,1,M-Pesa,8,76.5,"cash_withdrawal,merchant_payment",7,6,high_burden
Uganda,2019,rural,female,28,25-34,second,1,0,MTN Mobile Money,0,0.0,none,8,11,high_burden
Mozambique,2025,urban,female,59,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2018,urban,male,56,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2019,urban,female,32,25-34,fourth,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2024,urban,female,42,35-44,fourth,0,0,none,0,0.0,none,9,0,high_burden
Niger,2018,rural,female,28,25-34,fourth,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2019,urban,female,24,15-24,fourth,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2021,rural,male,61,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Mali,2024,rural,female,41,35-44,fourth,1,1,Orange Money,12,60.17,"international_remittance,loan_repayment,savings,airtime_purchase,cash_deposit",4,11,high_burden
Senegal,2024,rural,female,41,35-44,highest,1,0,Wari,0,0.0,none,1,10,high_burden
DRC,2024,urban,female,31,25-34,fourth,1,0,M-Pesa,0,0.0,none,10,9,high_burden
Malawi,2020,urban,male,34,25-34,second,1,0,TNM Mpamba,0,0.0,none,7,3,high_burden
Zambia,2019,rural,male,29,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2023,urban,male,36,35-44,highest,1,1,MTN Mobile Money,17,108.11,"loan_repayment,merchant_payment,international_remittance",9,3,high_burden
Ghana,2023,rural,male,38,35-44,lowest,1,0,Vodafone Cash,0,0.0,none,4,11,high_burden
Ethiopia,2022,urban,female,66,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2025,rural,male,23,15-24,lowest,1,1,Tigo Pesa,11,73.46,"cash_deposit,person_to_person,merchant_payment",4,12,high_burden
DRC,2024,urban,male,41,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2024,rural,male,32,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2022,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,1,0,high_burden
Rwanda,2020,urban,male,17,15-24,highest,1,1,MTN Mobile Money,12,189.0,"cash_deposit,loan_repayment",10,5,high_burden
Uganda,2020,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2025,urban,female,57,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2018,urban,male,49,45-54,second,1,1,MTN Mobile Money,14,75.18,"loan_repayment,airtime_purchase",4,8,high_burden
Kenya,2019,urban,male,65,55+,fourth,1,0,Airtel Money,0,0.0,none,8,7,high_burden
South Africa,2021,rural,male,48,45-54,lowest,1,1,MTN Mobile Money,9,108.15,"international_remittance,loan_repayment,merchant_payment,bill_payment,cash_deposit",9,11,high_burden
Rwanda,2024,rural,male,38,35-44,fourth,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2025,rural,male,21,15-24,fourth,1,1,Airtel Money,2,96.1,"airtime_purchase,savings,person_to_person,cash_deposit,international_remittance",9,14,high_burden
Mali,2021,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2019,rural,male,51,45-54,middle,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2019,rural,male,44,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2018,urban,female,18,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Mali,2019,rural,female,41,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2024,rural,female,58,55+,fourth,1,0,Orange Money,0,0.0,none,3,5,high_burden
Niger,2019,urban,male,44,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2019,rural,male,42,35-44,fourth,1,0,Airtel Money,0,0.0,none,1,11,high_burden
Niger,2023,rural,male,47,45-54,second,1,0,Moov Money,0,0.0,none,10,14,high_burden
Tanzania,2022,rural,male,59,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2021,rural,female,51,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2022,rural,male,23,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2022,urban,male,54,45-54,highest,1,1,MTN Mobile Money,10,110.91,"bill_payment,merchant_payment,savings,loan_repayment,cash_deposit",8,13,high_burden
Niger,2019,urban,female,27,25-34,fourth,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2021,rural,female,27,25-34,highest,1,1,OPay,9,49.21,"person_to_person,savings",10,2,high_burden
Rwanda,2019,rural,female,32,25-34,middle,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2021,rural,female,21,15-24,middle,1,0,OPay,0,0.0,none,4,6,high_burden
Kenya,2024,urban,male,65,55+,fourth,1,1,Airtel Money,8,75.51,"loan_repayment,savings",5,2,high_burden
Malawi,2019,urban,male,48,45-54,middle,1,0,TNM Mpamba,0,0.0,none,3,10,high_burden
Mali,2019,urban,male,32,25-34,fourth,1,0,Orange Money,0,0.0,none,8,8,high_burden
DRC,2025,rural,female,24,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
DRC,2022,urban,female,74,55+,second,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2018,rural,female,37,35-44,fourth,1,1,MTN Mobile Money,9,72.14,"cash_withdrawal,savings,person_to_person,airtime_purchase",1,3,high_burden
DRC,2020,rural,male,62,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2021,rural,female,42,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2018,rural,male,19,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2021,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2025,rural,male,33,25-34,second,1,1,MTN Mobile Money,10,19.44,"airtime_purchase,loan_repayment,cash_withdrawal",5,2,high_burden
Rwanda,2023,rural,female,66,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Mali,2021,rural,male,64,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Mali,2020,rural,female,60,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2023,urban,male,33,25-34,highest,1,1,Vodapay,12,85.13,"bill_payment,loan_repayment,merchant_payment,savings",6,4,high_burden
Nigeria,2022,rural,male,28,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2021,rural,male,40,35-44,fourth,1,0,Airtel Money,0,0.0,none,8,6,high_burden
Tanzania,2024,rural,female,22,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2025,rural,male,31,25-34,second,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2021,rural,male,18,15-24,lowest,1,0,Tigo Pesa,0,0.0,none,4,12,high_burden
Ghana,2018,rural,female,17,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2020,urban,female,27,25-34,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2018,rural,male,43,35-44,highest,1,0,Zamtel Kwacha,0,0.0,none,8,9,high_burden
DRC,2021,urban,male,17,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2018,rural,male,50,45-54,second,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2025,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2024,rural,female,74,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2019,rural,male,55,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2022,rural,female,27,25-34,second,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2024,rural,female,25,15-24,lowest,1,0,Airtel Money,0,0.0,none,10,11,high_burden
Uganda,2024,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2020,rural,male,25,15-24,middle,1,0,Vodapay,0,0.0,none,10,12,high_burden
Niger,2018,rural,male,57,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2022,rural,female,66,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2023,rural,male,16,15-24,middle,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2024,rural,male,52,45-54,highest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2024,rural,male,66,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2020,rural,male,25,15-24,second,1,0,Tigo Pesa,0,0.0,none,9,8,high_burden
Ethiopia,2021,rural,male,23,15-24,middle,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2025,rural,female,24,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2020,urban,female,67,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2019,rural,male,69,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2021,urban,male,64,55+,second,1,1,Vodapay,11,187.1,"cash_withdrawal,person_to_person,merchant_payment,cash_deposit",5,5,high_burden
South Africa,2024,urban,male,39,35-44,highest,1,0,Vodapay,0,0.0,none,3,6,high_burden
South Africa,2024,rural,female,30,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2025,rural,male,28,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2019,urban,female,46,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2018,urban,male,38,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2020,rural,male,69,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2025,rural,male,39,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2018,urban,female,19,15-24,lowest,1,1,M-Pesa,5,109.67,"airtime_purchase,international_remittance,person_to_person",10,4,high_burden
Uganda,2025,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,1,0,high_burden
Niger,2022,urban,female,62,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2025,rural,male,59,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2019,urban,male,68,55+,fourth,1,1,TNM Mpamba,8,207.53,"merchant_payment,international_remittance,person_to_person,cash_withdrawal",10,6,high_burden
Niger,2025,urban,female,46,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2021,urban,male,24,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2025,rural,female,27,25-34,highest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2024,urban,male,28,25-34,lowest,1,0,M-Pesa,0,0.0,none,10,11,high_burden
Ethiopia,2022,rural,female,64,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2020,urban,male,31,25-34,middle,1,1,AirtelTigo Money,13,88.78,"loan_repayment,merchant_payment,savings,cash_withdrawal",3,8,high_burden
Niger,2020,rural,male,20,15-24,fourth,1,0,Airtel Money,0,0.0,none,3,4,high_burden
Mozambique,2020,rural,male,59,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
DRC,2018,rural,male,23,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2023,urban,male,54,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2023,rural,female,52,45-54,highest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2021,urban,male,46,45-54,second,1,0,Airtel Money,0,0.0,none,7,2,high_burden
Mozambique,2025,rural,female,56,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2020,rural,male,45,35-44,middle,0,0,none,0,0.0,none,6,0,high_burden
Niger,2020,urban,female,62,55+,highest,1,0,Moov Money,0,0.0,none,7,8,high_burden
South Africa,2022,urban,male,53,45-54,second,1,0,MTN Mobile Money,0,0.0,none,10,4,high_burden
Mozambique,2021,urban,male,58,55+,highest,1,1,e-Mola,15,131.66,"person_to_person,cash_deposit,loan_repayment",3,11,high_burden
DRC,2022,rural,female,57,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2021,urban,male,46,45-54,highest,1,0,Vodafone Cash,0,0.0,none,10,9,high_burden
Mozambique,2021,rural,male,30,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2023,rural,male,15,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2022,urban,male,31,25-34,second,1,0,M-Pesa,0,0.0,none,10,4,high_burden
Uganda,2024,rural,male,74,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2023,urban,male,73,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2021,rural,female,41,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2021,rural,male,31,25-34,second,1,0,MTN Mobile Money,0,0.0,none,4,10,high_burden
Tanzania,2020,urban,male,28,25-34,middle,1,0,Tigo Pesa,0,0.0,none,8,4,high_burden
Mali,2020,urban,female,27,25-34,fourth,1,0,Moov Money,0,0.0,none,10,8,high_burden
Uganda,2023,rural,female,52,45-54,highest,1,1,Airtel Money,4,53.78,"person_to_person,cash_withdrawal,international_remittance",4,8,high_burden
South Africa,2020,rural,male,62,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2025,rural,female,68,55+,highest,1,1,e-Mola,12,48.08,"international_remittance,cash_withdrawal,savings,person_to_person",2,2,high_burden
Tanzania,2023,urban,female,65,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2022,rural,male,55,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2022,rural,female,49,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2020,rural,male,64,55+,lowest,1,1,MTN Mobile Money,9,48.11,"merchant_payment,international_remittance",1,10,high_burden
Ethiopia,2021,rural,male,37,35-44,second,1,0,M-Birr,0,0.0,none,6,8,high_burden
Uganda,2019,urban,female,47,45-54,fourth,1,1,MTN Mobile Money,11,115.57,"merchant_payment,savings",6,8,high_burden
Ethiopia,2019,rural,male,45,35-44,fourth,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2019,urban,female,42,35-44,highest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2022,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2021,rural,male,37,35-44,middle,1,1,M-Pesa,1,43.92,"cash_deposit,international_remittance",1,4,high_burden
Tanzania,2024,urban,male,22,15-24,fourth,1,1,M-Pesa,15,45.53,"savings,international_remittance,cash_deposit,cash_withdrawal",6,1,high_burden
Nigeria,2024,rural,male,49,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2019,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2018,urban,female,69,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2020,urban,male,16,15-24,highest,1,0,Airtel Money,0,0.0,none,5,10,high_burden
Zambia,2020,urban,male,56,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2020,rural,female,24,15-24,highest,1,0,Airtel Money,0,0.0,none,3,9,high_burden
Mozambique,2023,urban,male,47,45-54,second,1,0,e-Mola,0,0.0,none,2,6,high_burden
DRC,2024,urban,female,65,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2019,urban,female,50,45-54,lowest,1,0,Airtel Money,0,0.0,none,10,5,high_burden
Ghana,2025,urban,male,68,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2023,urban,male,61,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2024,rural,female,42,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Niger,2018,urban,male,15,15-24,middle,1,1,Airtel Money,13,173.27,"bill_payment,person_to_person,merchant_payment,loan_repayment",10,8,high_burden
Kenya,2024,rural,female,29,25-34,lowest,1,0,M-Pesa,0,0.0,none,5,11,high_burden
Mali,2018,rural,female,61,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Mali,2021,rural,female,18,15-24,highest,1,0,Moov Money,0,0.0,none,10,3,high_burden
South Africa,2020,rural,female,47,45-54,fourth,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2023,urban,female,65,55+,middle,1,1,M-Pesa,10,49.67,"loan_repayment,cash_deposit",9,7,high_burden
South Africa,2024,urban,female,74,55+,middle,1,0,MTN Mobile Money,0,0.0,none,3,11,high_burden
Malawi,2019,urban,female,28,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2024,urban,female,27,25-34,fourth,1,1,AirtelTigo Money,13,313.74,"loan_repayment,person_to_person,airtime_purchase,cash_withdrawal,merchant_payment",10,14,high_burden
Rwanda,2024,urban,male,52,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2020,urban,male,47,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2021,urban,female,48,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2022,urban,male,34,25-34,middle,1,0,Airtel Money,0,0.0,none,8,11,high_burden
Zambia,2021,urban,male,37,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2024,rural,male,41,35-44,fourth,1,1,Orange Money,5,43.74,"bill_payment,airtime_purchase,person_to_person,merchant_payment",8,15,high_burden
Malawi,2024,rural,male,74,55+,highest,1,0,TNM Mpamba,0,0.0,none,9,1,high_burden
Zambia,2018,rural,female,58,55+,second,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2020,rural,male,59,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Mali,2023,urban,female,71,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Mali,2022,urban,female,56,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2018,urban,female,31,25-34,highest,1,0,FNB eWallet,0,0.0,none,10,1,high_burden
Senegal,2025,urban,female,58,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2025,rural,male,31,25-34,highest,1,1,M-Birr,10,41.72,"international_remittance,cash_withdrawal,bill_payment",5,6,high_burden
DRC,2022,rural,male,62,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2020,rural,male,68,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2024,rural,male,56,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Mali,2020,rural,male,70,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2018,rural,female,21,15-24,second,1,0,M-Pesa,0,0.0,none,6,7,high_burden
Ghana,2024,urban,female,16,15-24,middle,1,0,Vodafone Cash,0,0.0,none,3,8,high_burden
DRC,2024,urban,male,63,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2022,rural,female,63,55+,middle,1,0,Airtel Money,0,0.0,none,1,11,high_burden
Kenya,2021,rural,male,54,45-54,lowest,1,1,M-Pesa,10,48.72,"international_remittance,savings,loan_repayment",9,13,high_burden
Malawi,2024,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2019,rural,female,20,15-24,second,1,0,M-Pesa,0,0.0,none,10,4,high_burden
Malawi,2018,urban,female,42,35-44,highest,1,1,TNM Mpamba,8,110.22,"international_remittance,person_to_person,bill_payment",9,5,high_burden
Rwanda,2024,rural,male,51,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2024,rural,male,34,25-34,second,1,1,Airtel Money,7,86.02,"person_to_person,savings,international_remittance",5,9,high_burden
South Africa,2020,rural,male,52,45-54,middle,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2020,urban,female,42,35-44,second,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2019,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2019,rural,male,74,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Niger,2020,rural,female,20,15-24,second,1,0,Moov Money,0,0.0,none,9,5,high_burden
DRC,2024,urban,male,46,45-54,fourth,1,1,M-Pesa,11,185.27,"savings,airtime_purchase,cash_withdrawal,merchant_payment,international_remittance",6,16,high_burden
Nigeria,2022,urban,male,31,25-34,second,1,0, PalmPay,0,0.0,none,9,11,high_burden
DRC,2019,rural,female,56,55+,lowest,1,0,Orange Money,0,0.0,none,5,5,high_burden
South Africa,2019,rural,female,59,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2025,urban,male,32,25-34,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2022,urban,male,19,15-24,fourth,1,0,M-Pesa,0,0.0,none,7,6,high_burden
Mozambique,2023,rural,female,65,55+,second,1,0,e-Mola,0,0.0,none,2,1,high_burden
Mali,2024,urban,female,63,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2022,rural,male,52,45-54,fourth,1,1,AirtelTigo Money,7,176.85,"merchant_payment,cash_deposit,international_remittance,savings",7,8,high_burden
Mali,2021,urban,female,44,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Mali,2019,rural,male,15,15-24,highest,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2025,rural,female,24,15-24,second,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2022,rural,female,18,15-24,lowest,1,0,MTN Mobile Money,0,0.0,none,3,13,high_burden
DRC,2024,urban,female,67,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2021,urban,female,58,55+,fourth,1,1,Airtel Money,12,64.19,"airtime_purchase,person_to_person,cash_withdrawal,international_remittance,loan_repayment",2,5,high_burden
Zambia,2022,urban,male,44,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,7,4,high_burden
Ethiopia,2023,urban,female,55,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2022,urban,male,39,35-44,middle,1,0,Airtel Money,0,0.0,none,6,2,high_burden
Malawi,2024,urban,female,48,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2025,rural,male,59,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2019,urban,male,31,25-34,highest,1,1,TNM Mpamba,15,136.43,"merchant_payment,bill_payment,cash_deposit",9,9,high_burden
Senegal,2020,rural,female,42,35-44,fourth,1,0,Wave,0,0.0,none,5,2,high_burden
Senegal,2019,urban,female,36,35-44,second,1,0,Wave,0,0.0,none,3,8,high_burden
Rwanda,2023,rural,male,51,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,8,7,high_burden
DRC,2019,urban,female,53,45-54,middle,1,1,Orange Money,13,126.83,"airtime_purchase,bill_payment,cash_deposit",10,10,high_burden
Ethiopia,2022,rural,male,56,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2025,urban,male,20,15-24,middle,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2019,urban,male,33,25-34,lowest,1,0,Airtel Money,0,0.0,none,8,3,high_burden
Tanzania,2022,rural,female,67,55+,middle,1,0,Tigo Pesa,0,0.0,none,2,5,high_burden
Mali,2021,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2021,urban,male,39,35-44,highest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2019,rural,male,37,35-44,fourth,0,0,none,0,0.0,none,2,0,high_burden
Niger,2023,urban,female,73,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2019,rural,male,55,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2018,urban,male,58,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2024,urban,female,34,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2019,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2022,urban,female,19,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2021,urban,female,23,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
DRC,2021,urban,female,63,55+,highest,1,0,M-Pesa,0,0.0,none,4,5,high_burden
Niger,2018,rural,female,69,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
DRC,2018,urban,female,31,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2025,rural,male,39,35-44,lowest,1,0,Wave,0,0.0,none,5,14,high_burden
Rwanda,2020,rural,female,65,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Niger,2021,urban,male,46,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
DRC,2018,rural,male,53,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2023,rural,male,15,15-24,lowest,1,0,Airtel Money,0,0.0,none,7,8,high_burden
Ghana,2019,urban,female,66,55+,second,1,1,Vodafone Cash,11,392.24,"international_remittance,cash_withdrawal,cash_deposit,person_to_person,savings",7,8,high_burden
Mozambique,2024,rural,female,46,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2018,rural,female,44,35-44,second,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2020,rural,female,71,55+,lowest,1,0,M-Birr,0,0.0,none,8,1,high_burden
Uganda,2018,urban,female,32,25-34,middle,1,1,Airtel Money,11,46.05,"loan_repayment,cash_withdrawal",10,10,high_burden
Zambia,2022,rural,male,69,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
DRC,2024,urban,male,63,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2024,rural,male,51,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2025,rural,female,30,25-34,highest,1,0,Tigo Pesa,0,0.0,none,2,6,high_burden
Ethiopia,2022,rural,female,19,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2020,urban,male,39,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,6,7,high_burden
South Africa,2025,urban,female,22,15-24,highest,0,0,none,0,0.0,none,3,0,high_burden
DRC,2025,urban,male,67,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2019,urban,female,61,55+,second,1,0,M-Pesa,0,0.0,none,10,4,high_burden
Rwanda,2018,rural,male,46,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2025,urban,male,36,35-44,fourth,1,0,Airtel Money,0,0.0,none,3,7,high_burden
Uganda,2022,rural,male,24,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2020,rural,female,54,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2025,urban,male,23,15-24,middle,1,1,e-Mola,11,177.37,"airtime_purchase,international_remittance,loan_repayment,cash_deposit",6,10,high_burden
DRC,2023,rural,female,17,15-24,highest,1,0,Airtel Money,0,0.0,none,4,4,high_burden
Mozambique,2020,urban,male,54,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2018,urban,female,67,55+,middle,1,0,Airtel Money,0,0.0,none,10,9,high_burden
Senegal,2019,urban,female,18,15-24,highest,1,1,Orange Money,14,92.89,"person_to_person,merchant_payment,loan_repayment,cash_withdrawal,airtime_purchase",6,2,high_burden
Ethiopia,2020,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2022,rural,male,74,55+,fourth,1,0,Airtel Money,0,0.0,none,6,8,high_burden
Mozambique,2020,rural,female,21,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2024,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2025,urban,male,69,55+,highest,1,1,MTN Mobile Money,19,78.27,"savings,person_to_person,bill_payment",2,15,high_burden
Nigeria,2024,rural,female,26,25-34,middle,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2025,rural,male,27,25-34,lowest,1,0,Wari,0,0.0,none,10,1,high_burden
Zambia,2021,rural,female,26,25-34,highest,1,0,Airtel Money,0,0.0,none,3,4,high_burden
Nigeria,2023,urban,male,57,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2024,urban,male,70,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Niger,2021,rural,female,23,15-24,highest,1,1,Moov Money,12,103.53,"loan_repayment,cash_withdrawal,person_to_person,international_remittance",9,5,high_burden
Ethiopia,2020,urban,male,53,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2020,rural,female,47,45-54,fourth,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2021,rural,male,25,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Niger,2018,rural,female,60,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2025,urban,female,18,15-24,fourth,1,1,Paga,14,86.2,"merchant_payment,airtime_purchase,bill_payment,person_to_person,loan_repayment",9,1,high_burden
Niger,2019,urban,female,29,25-34,highest,1,1,Moov Money,9,98.58,"merchant_payment,savings,cash_deposit,bill_payment",10,8,high_burden
Uganda,2023,urban,male,52,45-54,second,1,0,Airtel Money,0,0.0,none,10,14,high_burden
Malawi,2020,urban,male,33,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2020,rural,female,44,35-44,highest,1,0,Airtel Money,0,0.0,none,2,4,high_burden
Uganda,2024,rural,male,21,15-24,lowest,1,1,Airtel Money,9,104.53,"person_to_person,loan_repayment,merchant_payment",5,7,high_burden
Nigeria,2025,urban,male,57,55+,fourth,1,1,OPay,14,118.24,"international_remittance,loan_repayment,airtime_purchase,person_to_person,cash_withdrawal",10,4,high_burden
Ghana,2023,urban,male,27,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,5,6,high_burden
Niger,2022,urban,male,35,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2023,urban,female,55,45-54,lowest,1,0,Airtel Money,0,0.0,none,8,13,high_burden
Rwanda,2019,urban,female,49,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2025,urban,female,43,35-44,second,1,1,Moov Money,14,71.68,"cash_deposit,international_remittance",10,11,high_burden
Mali,2025,rural,male,50,45-54,highest,0,0,none,0,0.0,none,6,0,high_burden
Mali,2020,urban,female,15,15-24,fourth,1,1,Orange Money,13,56.22,"cash_withdrawal,airtime_purchase,cash_deposit,bill_payment,person_to_person",10,10,high_burden
Senegal,2020,rural,female,61,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2018,urban,male,22,15-24,fourth,1,1,M-Pesa,15,67.27,"international_remittance,loan_repayment",5,2,high_burden
Niger,2023,urban,male,18,15-24,fourth,1,1,Airtel Money,11,47.79,"person_to_person,bill_payment,loan_repayment",4,2,high_burden
Nigeria,2025,rural,male,50,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2019,rural,male,21,15-24,fourth,1,0,TNM Mpamba,0,0.0,none,6,7,high_burden
Nigeria,2020,rural,male,29,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Niger,2023,rural,female,29,25-34,second,1,0,Airtel Money,0,0.0,none,8,13,high_burden
Tanzania,2020,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2019,urban,female,21,15-24,middle,1,1,Airtel Money,11,65.81,"cash_deposit,airtime_purchase",8,1,high_burden
Senegal,2021,urban,male,42,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2018,urban,male,73,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Niger,2018,urban,female,53,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2024,rural,male,32,25-34,highest,1,1,Airtel Money,9,44.97,"savings,cash_withdrawal,merchant_payment,international_remittance,cash_deposit",4,14,high_burden
Malawi,2023,urban,male,53,45-54,lowest,1,0,Airtel Money,0,0.0,none,10,9,high_burden
Mozambique,2025,urban,female,19,15-24,second,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2022,rural,male,38,35-44,middle,1,0,M-Pesa,0,0.0,none,8,2,high_burden
Ethiopia,2023,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2023,rural,female,47,45-54,highest,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2020,rural,female,52,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2023,rural,female,18,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2025,urban,male,38,35-44,highest,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2023,urban,male,46,45-54,middle,1,1,Airtel Money,13,210.15,"person_to_person,international_remittance,merchant_payment,loan_repayment",8,14,high_burden
Senegal,2019,rural,female,48,45-54,fourth,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2022,rural,female,33,25-34,lowest,0,0,none,0,0.0,none,9,0,high_burden
DRC,2018,rural,female,40,35-44,second,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2020,rural,male,31,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2022,urban,male,36,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2021,rural,male,44,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2022,urban,female,45,35-44,fourth,1,0,Airtel Money,0,0.0,none,10,6,high_burden
Malawi,2023,rural,female,72,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2025,urban,male,39,35-44,lowest,1,0,Vodapay,0,0.0,none,3,2,high_burden
Ethiopia,2024,urban,female,31,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2022,rural,female,66,55+,highest,1,0,MTN Mobile Money,0,0.0,none,5,10,high_burden
Uganda,2019,rural,male,25,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2021,urban,female,30,25-34,fourth,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2024,rural,male,49,45-54,fourth,1,0,Zamtel Kwacha,0,0.0,none,4,10,high_burden
Mozambique,2022,urban,female,69,55+,fourth,1,0,e-Mola,0,0.0,none,7,8,high_burden
Uganda,2023,rural,male,30,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,7,3,high_burden
Mali,2022,rural,female,60,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2024,urban,female,24,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2025,rural,female,35,25-34,fourth,1,1,Orange Money,4,50.12,"airtime_purchase,merchant_payment,cash_withdrawal,person_to_person,international_remittance",9,12,high_burden
Ethiopia,2025,rural,male,72,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2023,urban,male,69,55+,fourth,1,0,Airtel Money,0,0.0,none,9,6,high_burden
Uganda,2019,urban,female,74,55+,fourth,1,0,Airtel Money,0,0.0,none,4,2,high_burden
Zambia,2023,urban,female,70,55+,middle,1,0,Airtel Money,0,0.0,none,8,9,high_burden
Niger,2021,rural,female,57,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mali,2021,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mali,2019,rural,female,32,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2023,urban,female,56,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2022,rural,female,45,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
Mali,2024,rural,male,51,45-54,middle,0,0,none,0,0.0,none,8,0,high_burden
Niger,2020,rural,male,39,35-44,middle,1,0,Airtel Money,0,0.0,none,7,1,high_burden
Tanzania,2024,urban,female,42,35-44,fourth,1,0,M-Pesa,0,0.0,none,7,14,high_burden
Malawi,2021,rural,female,32,25-34,fourth,1,1,TNM Mpamba,7,101.29,"savings,international_remittance,airtime_purchase",6,6,high_burden
Uganda,2024,rural,male,35,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,4,2,high_burden
Zambia,2022,rural,female,43,35-44,fourth,1,0,Zamtel Kwacha,0,0.0,none,4,2,high_burden
Mali,2019,urban,male,47,45-54,second,1,0,Orange Money,0,0.0,none,6,8,high_burden
Malawi,2019,rural,male,28,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2024,urban,female,15,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2022,urban,female,43,35-44,fourth,1,1,FNB eWallet,16,110.32,"international_remittance,airtime_purchase,cash_withdrawal,savings",7,11,high_burden
Senegal,2021,urban,male,35,25-34,fourth,1,1,Orange Money,18,278.65,"airtime_purchase,cash_deposit,loan_repayment,person_to_person",6,6,high_burden
Ghana,2023,rural,male,58,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,10,2,high_burden
Mali,2018,rural,female,42,35-44,highest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2024,rural,female,23,15-24,middle,1,1,Wave,8,44.02,"savings,merchant_payment,cash_withdrawal,loan_repayment",3,7,high_burden
South Africa,2021,rural,male,33,25-34,middle,1,1,FNB eWallet,11,33.96,"loan_repayment,airtime_purchase,merchant_payment",6,2,high_burden
Senegal,2020,rural,male,60,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2022,rural,male,50,45-54,highest,1,0,telebirr,0,0.0,none,4,4,high_burden
Kenya,2020,rural,female,62,55+,fourth,1,0,M-Pesa,0,0.0,none,10,12,high_burden
Mali,2019,urban,male,20,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2020,rural,male,64,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2025,rural,female,26,25-34,second,1,0,TNM Mpamba,0,0.0,none,10,14,high_burden
Rwanda,2019,urban,female,38,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,4,4,high_burden
South Africa,2020,urban,male,52,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2021,urban,female,37,35-44,highest,1,0,Airtel Money,0,0.0,none,7,7,high_burden
Malawi,2024,rural,male,65,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2020,rural,male,20,15-24,fourth,1,0,Vodafone Cash,0,0.0,none,10,2,high_burden
Mozambique,2021,urban,female,65,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2020,urban,male,46,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2023,rural,male,54,45-54,fourth,1,1,Airtel Money,10,96.29,"person_to_person,merchant_payment,savings,cash_withdrawal",10,14,high_burden
Rwanda,2025,rural,female,52,45-54,fourth,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2018,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2019,urban,female,18,15-24,fourth,0,0,none,0,0.0,none,8,0,high_burden
Mali,2022,rural,female,54,45-54,highest,1,0,Orange Money,0,0.0,none,5,6,high_burden
Ethiopia,2023,rural,female,68,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2021,urban,female,61,55+,highest,1,0,Moov Money,0,0.0,none,7,12,high_burden
Nigeria,2025,urban,female,41,35-44,fourth,0,0,none,0,0.0,none,7,0,high_burden
Niger,2022,urban,female,27,25-34,highest,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2021,rural,male,43,35-44,fourth,1,0,M-Pesa,0,0.0,none,6,6,high_burden
Niger,2020,urban,female,32,25-34,lowest,1,1,Airtel Money,15,74.5,"bill_payment,international_remittance,loan_repayment,savings",5,10,high_burden
Tanzania,2025,urban,female,39,35-44,second,1,0,M-Pesa,0,0.0,none,10,12,high_burden
Malawi,2019,urban,female,73,55+,second,1,0,TNM Mpamba,0,0.0,none,4,6,high_burden
Ghana,2019,rural,female,50,45-54,highest,1,0,Vodafone Cash,0,0.0,none,1,9,high_burden
Ghana,2020,rural,male,55,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2023,rural,female,60,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2018,rural,male,25,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2020,rural,female,38,35-44,second,1,0,Airtel Money,0,0.0,none,1,9,high_burden
Mozambique,2019,urban,male,18,15-24,highest,1,1,M-Pesa,10,93.89,"loan_repayment,merchant_payment,international_remittance",10,10,high_burden
Niger,2020,urban,female,44,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2025,urban,female,59,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2020,rural,female,45,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2022,rural,male,35,25-34,fourth,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2024,rural,male,38,35-44,lowest,1,0,Zamtel Kwacha,0,0.0,none,7,16,high_burden
Mozambique,2018,rural,female,62,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2019,rural,male,23,15-24,second,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2019,rural,male,26,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2022,urban,female,73,55+,lowest,1,0,Vodafone Cash,0,0.0,none,2,14,high_burden
Senegal,2024,rural,male,21,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2021,urban,male,18,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2024,urban,female,62,55+,middle,1,1,Airtel Money,7,88.36,"airtime_purchase,person_to_person,international_remittance",5,15,high_burden
DRC,2020,rural,male,59,55+,middle,1,0,M-Pesa,0,0.0,none,10,10,high_burden
Niger,2019,rural,male,51,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2023,urban,female,43,35-44,second,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2022,urban,female,71,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2019,rural,male,29,25-34,second,1,0,telebirr,0,0.0,none,7,9,high_burden
South Africa,2019,urban,male,52,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2020,rural,male,51,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2020,rural,female,39,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2022,urban,male,26,25-34,second,1,0,Moov Money,0,0.0,none,9,1,high_burden
Senegal,2024,rural,male,41,35-44,middle,1,1,Orange Money,8,90.45,"savings,cash_withdrawal,merchant_payment,person_to_person,bill_payment",1,2,high_burden
Niger,2018,rural,female,36,35-44,highest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2022,rural,male,15,15-24,fourth,1,0, PalmPay,0,0.0,none,10,5,high_burden
South Africa,2019,urban,female,65,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2020,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2022,urban,male,55,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,4,13,high_burden
Mozambique,2019,urban,female,53,45-54,highest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2022,urban,female,34,25-34,highest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2025,rural,male,55,45-54,second,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2021,urban,male,24,15-24,middle,1,1,Airtel Money,11,83.13,"person_to_person,international_remittance,cash_deposit",8,2,high_burden
Rwanda,2023,urban,female,70,55+,second,1,0,MTN Mobile Money,0,0.0,none,10,11,high_burden
Ethiopia,2019,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2018,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2025,urban,male,24,15-24,middle,1,1,M-Pesa,10,53.75,"savings,cash_withdrawal,international_remittance",10,3,high_burden
Ghana,2025,rural,female,24,15-24,middle,1,0,Vodafone Cash,0,0.0,none,4,1,high_burden
DRC,2024,urban,male,19,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2021,urban,male,22,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,6,11,high_burden
Kenya,2025,rural,male,35,25-34,highest,1,0,Airtel Money,0,0.0,none,6,5,high_burden
Kenya,2021,urban,female,64,55+,fourth,1,1,Airtel Money,11,253.45,"loan_repayment,bill_payment,person_to_person",7,11,high_burden
Rwanda,2023,urban,male,67,55+,second,1,0,Airtel Money,0,0.0,none,6,2,high_burden
Ethiopia,2025,urban,female,53,45-54,middle,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2020,urban,male,26,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2019,urban,female,70,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2023,rural,male,22,15-24,highest,1,0,e-Mola,0,0.0,none,4,3,high_burden
Tanzania,2018,urban,male,44,35-44,highest,1,0,M-Pesa,0,0.0,none,6,3,high_burden
Mozambique,2024,urban,female,27,25-34,second,1,0,e-Mola,0,0.0,none,5,14,high_burden
DRC,2018,urban,male,72,55+,second,1,1,Orange Money,10,82.69,"airtime_purchase,loan_repayment,merchant_payment",8,10,high_burden
Tanzania,2019,rural,male,33,25-34,fourth,1,0,M-Pesa,0,0.0,none,10,7,high_burden
Ghana,2020,rural,female,40,35-44,middle,1,1,AirtelTigo Money,13,54.99,"airtime_purchase,cash_deposit",10,5,high_burden
Zambia,2023,urban,male,70,55+,highest,1,0,Zamtel Kwacha,0,0.0,none,4,12,high_burden
Rwanda,2018,rural,female,65,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Niger,2024,urban,female,52,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2025,rural,female,25,15-24,fourth,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2019,urban,male,31,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2025,urban,female,43,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2024,rural,female,73,55+,second,1,1,FNB eWallet,8,51.83,"loan_repayment,person_to_person",3,15,high_burden
Ghana,2025,rural,female,18,15-24,fourth,1,1,MTN Mobile Money,10,42.68,"loan_repayment,person_to_person",10,4,high_burden
Ghana,2019,rural,male,59,55+,second,1,1,AirtelTigo Money,10,12.26,"airtime_purchase,cash_deposit,loan_repayment,bill_payment,international_remittance",2,5,high_burden
Kenya,2021,urban,female,23,15-24,highest,1,0,Airtel Money,0,0.0,none,10,10,high_burden
Mozambique,2022,urban,male,29,25-34,middle,1,1,M-Pesa,11,141.3,"airtime_purchase,cash_deposit,bill_payment,cash_withdrawal",10,4,high_burden
Kenya,2020,rural,male,46,45-54,middle,1,1,M-Pesa,7,39.03,"cash_deposit,loan_repayment",6,6,high_burden
Ethiopia,2024,rural,female,71,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2019,rural,female,27,25-34,fourth,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2019,urban,male,68,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2022,rural,female,55,45-54,middle,0,0,none,0,0.0,none,1,0,high_burden
Ethiopia,2023,urban,female,32,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2020,rural,male,41,35-44,highest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2019,rural,female,37,35-44,lowest,1,0,Wave,0,0.0,none,6,7,high_burden
South Africa,2025,urban,female,71,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2018,rural,female,18,15-24,middle,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2025,rural,male,64,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2023,urban,male,31,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2022,rural,female,41,35-44,highest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2020,rural,female,29,25-34,fourth,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2022,rural,male,55,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2024,rural,male,46,45-54,lowest,1,1,Airtel Money,4,112.56,"cash_withdrawal,person_to_person,international_remittance,airtime_purchase,loan_repayment",6,3,high_burden
Uganda,2022,rural,male,73,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2019,urban,female,41,35-44,highest,1,1,Airtel Money,15,183.67,"loan_repayment,cash_withdrawal,bill_payment,person_to_person",10,9,high_burden
Zambia,2018,urban,female,42,35-44,second,1,1,Airtel Money,20,102.39,"savings,airtime_purchase,bill_payment",7,4,high_burden
Rwanda,2021,urban,male,16,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2021,rural,female,40,35-44,highest,1,0,telebirr,0,0.0,none,1,3,high_burden
Malawi,2019,urban,male,38,35-44,second,1,1,TNM Mpamba,11,146.08,"savings,loan_repayment",10,5,high_burden
Mali,2020,urban,female,15,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2022,urban,female,25,15-24,second,1,1,Wari,12,30.83,"savings,merchant_payment",3,10,high_burden
Uganda,2018,rural,female,28,25-34,highest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2023,rural,male,61,55+,second,1,0,Airtel Money,0,0.0,none,4,9,high_burden
Malawi,2019,rural,female,73,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
DRC,2025,rural,male,18,15-24,highest,1,0,Airtel Money,0,0.0,none,10,7,high_burden
DRC,2018,rural,female,28,25-34,middle,1,0,Airtel Money,0,0.0,none,5,1,high_burden
Senegal,2019,urban,female,67,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2023,rural,female,66,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2025,urban,male,26,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Mali,2018,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2022,urban,female,55,45-54,second,1,0,M-Pesa,0,0.0,none,7,8,high_burden
Nigeria,2024,rural,male,32,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2018,rural,male,30,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,2,4,high_burden
Niger,2025,rural,female,52,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2024,rural,female,15,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2025,rural,male,35,25-34,fourth,0,0,none,0,0.0,none,1,0,high_burden
Mali,2019,rural,female,60,55+,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2019,urban,male,61,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2022,rural,female,62,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2021,urban,male,33,25-34,fourth,1,0,Airtel Money,0,0.0,none,5,7,high_burden
Zambia,2024,urban,female,66,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2025,urban,male,58,55+,fourth,1,0,Airtel Money,0,0.0,none,3,2,high_burden
Kenya,2023,rural,female,35,25-34,middle,0,0,none,0,0.0,none,2,0,high_burden
DRC,2020,urban,female,70,55+,fourth,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2020,urban,male,37,35-44,fourth,1,1,Airtel Money,6,37.99,"savings,airtime_purchase,loan_repayment,merchant_payment,cash_withdrawal",10,7,high_burden
Zambia,2021,rural,male,23,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2022,urban,female,72,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2025,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2019,urban,male,40,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2024,urban,male,74,55+,second,1,1,Wave,20,78.86,"savings,loan_repayment",7,11,high_burden
Senegal,2019,urban,female,22,15-24,fourth,1,1,Wari,10,133.01,"bill_payment,merchant_payment,airtime_purchase,loan_repayment",9,7,high_burden
Malawi,2025,urban,male,15,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2023,rural,male,49,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2019,rural,male,50,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2023,rural,female,61,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2018,rural,male,21,15-24,highest,1,0,Airtel Money,0,0.0,none,10,4,high_burden
Kenya,2020,rural,male,26,25-34,middle,1,0,Airtel Money,0,0.0,none,3,1,high_burden
Senegal,2025,urban,male,26,25-34,middle,1,0,Wave,0,0.0,none,10,16,high_burden
Malawi,2023,urban,male,28,25-34,lowest,1,1,Airtel Money,11,56.68,"savings,loan_repayment,bill_payment",6,1,high_burden
Rwanda,2023,urban,male,54,45-54,fourth,1,0,Airtel Money,0,0.0,none,10,8,high_burden
Mali,2022,urban,female,35,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2025,rural,male,27,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2024,urban,female,63,55+,lowest,1,1,MTN Mobile Money,12,187.93,"cash_withdrawal,savings,loan_repayment,airtime_purchase",10,14,high_burden
Tanzania,2022,rural,female,61,55+,highest,1,1,Airtel Money,6,79.11,"merchant_payment,savings,loan_repayment",4,7,high_burden
Nigeria,2019,urban,female,70,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2019,rural,female,72,55+,second,1,0,MTN Mobile Money,0,0.0,none,9,3,high_burden
Nigeria,2021,rural,male,44,35-44,middle,1,0,OPay,0,0.0,none,2,2,high_burden
Kenya,2023,rural,male,42,35-44,second,1,0,Airtel Money,0,0.0,none,4,4,high_burden
Senegal,2024,urban,male,21,15-24,middle,1,1,Orange Money,11,99.96,"savings,merchant_payment,bill_payment,cash_withdrawal,loan_repayment",4,10,high_burden
Ethiopia,2019,rural,male,71,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Mali,2018,rural,male,17,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2023,urban,female,44,35-44,lowest,1,1,MTN Mobile Money,12,94.61,"person_to_person,international_remittance,cash_deposit",7,11,high_burden
Kenya,2022,rural,male,68,55+,fourth,1,1,M-Pesa,7,11.96,"person_to_person,cash_withdrawal,international_remittance,merchant_payment,cash_deposit",8,5,high_burden
Tanzania,2021,rural,male,70,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2022,rural,male,23,15-24,lowest,1,1,MTN Mobile Money,7,53.49,"loan_repayment,international_remittance,airtime_purchase",10,12,high_burden
Senegal,2025,urban,male,24,15-24,second,1,0,Orange Money,0,0.0,none,10,2,high_burden
Senegal,2023,urban,male,50,45-54,lowest,1,1,Orange Money,9,322.68,"savings,airtime_purchase,bill_payment",7,7,high_burden
Mozambique,2020,rural,female,34,25-34,highest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2019,rural,male,31,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2024,urban,female,66,55+,second,1,1,Wari,12,201.86,"airtime_purchase,cash_withdrawal,bill_payment,merchant_payment,loan_repayment",9,11,high_burden
Kenya,2019,rural,male,61,55+,second,1,0,Airtel Money,0,0.0,none,6,9,high_burden
Ghana,2023,rural,female,37,35-44,second,1,0,Vodafone Cash,0,0.0,none,1,13,high_burden
Kenya,2022,rural,female,44,35-44,fourth,1,1,Airtel Money,5,276.43,"savings,cash_withdrawal,bill_payment,airtime_purchase,international_remittance",1,14,high_burden
Nigeria,2020,urban,female,71,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2022,rural,male,15,15-24,fourth,1,1,M-Pesa,9,178.41,"cash_deposit,international_remittance,loan_repayment",9,3,high_burden
Tanzania,2021,rural,female,54,45-54,highest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2025,rural,male,25,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2023,rural,male,22,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,5,7,high_burden
Mali,2024,rural,female,51,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2019,rural,male,67,55+,middle,1,0,Airtel Money,0,0.0,none,2,2,high_burden
Senegal,2019,urban,male,63,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2020,rural,male,64,55+,highest,1,1,Airtel Money,13,128.07,"airtime_purchase,savings",7,11,high_burden
DRC,2020,rural,male,18,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2025,rural,female,39,35-44,highest,0,0,none,0,0.0,none,4,0,high_burden
Niger,2025,urban,male,63,55+,lowest,1,0,Airtel Money,0,0.0,none,8,16,high_burden
Senegal,2025,rural,male,17,15-24,lowest,1,0,Wave,0,0.0,none,10,4,high_burden
South Africa,2025,urban,female,56,55+,fourth,1,0,Vodapay,0,0.0,none,4,12,high_burden
Tanzania,2025,rural,female,45,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2018,rural,male,70,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2019,rural,female,17,15-24,highest,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2023,rural,female,59,55+,second,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2024,urban,male,32,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,6,5,high_burden
Niger,2024,rural,female,54,45-54,fourth,1,1,Airtel Money,15,80.15,"cash_withdrawal,person_to_person,airtime_purchase,merchant_payment,cash_deposit",3,5,high_burden
Uganda,2022,rural,male,32,25-34,middle,1,0,Airtel Money,0,0.0,none,4,14,high_burden
Kenya,2025,urban,female,22,15-24,fourth,1,1,Airtel Money,19,140.72,"merchant_payment,loan_repayment,cash_withdrawal",8,8,high_burden
Tanzania,2025,rural,female,38,35-44,fourth,1,0,M-Pesa,0,0.0,none,4,3,high_burden
Kenya,2018,urban,female,43,35-44,fourth,1,0,M-Pesa,0,0.0,none,2,4,high_burden
Rwanda,2023,rural,male,58,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2019,rural,female,53,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,5,1,high_burden
Uganda,2024,rural,male,44,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,9,8,high_burden
DRC,2023,urban,female,58,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2024,urban,female,58,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,8,1,high_burden
Ethiopia,2021,rural,male,28,25-34,highest,1,0,M-Birr,0,0.0,none,10,13,high_burden
Kenya,2023,rural,male,72,55+,lowest,1,0,Airtel Money,0,0.0,none,10,8,high_burden
Ghana,2021,urban,male,74,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2023,urban,female,46,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2021,urban,male,53,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2019,urban,female,45,35-44,highest,1,0,Tigo Pesa,0,0.0,none,6,8,high_burden
Tanzania,2022,urban,male,33,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Mali,2018,rural,male,61,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2019,urban,female,67,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2024,urban,male,18,15-24,second,1,0,M-Pesa,0,0.0,none,4,1,high_burden
Ethiopia,2021,urban,female,46,45-54,highest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2025,urban,male,30,25-34,second,1,1,Airtel Money,11,35.4,"loan_repayment,merchant_payment,cash_deposit,bill_payment,person_to_person",6,7,high_burden
Ghana,2023,urban,female,68,55+,fourth,1,1,AirtelTigo Money,12,210.51,"person_to_person,cash_withdrawal,international_remittance,cash_deposit,savings",4,9,high_burden
Senegal,2023,urban,female,40,35-44,highest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2022,urban,male,55,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2018,rural,female,56,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2021,rural,male,40,35-44,middle,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2019,rural,male,35,25-34,middle,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2022,rural,female,16,15-24,lowest,1,1,Tigo Pesa,7,73.43,"bill_payment,airtime_purchase,merchant_payment,cash_withdrawal",4,3,high_burden
Zambia,2021,urban,female,71,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2020,urban,female,47,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mali,2021,rural,female,29,25-34,highest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2025,urban,female,40,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2023,urban,male,34,25-34,highest,0,0,none,0,0.0,none,3,0,high_burden
DRC,2022,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2023,urban,female,67,55+,middle,1,1,Airtel Money,12,117.07,"merchant_payment,cash_deposit,person_to_person",6,9,high_burden
South Africa,2025,rural,female,59,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2020,urban,male,32,25-34,lowest,1,1,OPay,9,70.22,"person_to_person,cash_deposit",8,9,high_burden
Senegal,2021,rural,male,60,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2018,rural,female,48,45-54,highest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2025,urban,male,27,25-34,fourth,1,1,Airtel Money,6,134.46,"bill_payment,cash_deposit,cash_withdrawal,international_remittance,airtime_purchase",10,5,high_burden
Niger,2020,urban,male,18,15-24,fourth,1,0,Airtel Money,0,0.0,none,6,11,high_burden
Nigeria,2021,rural,male,25,15-24,fourth,0,0,none,0,0.0,none,4,0,high_burden
DRC,2024,urban,female,28,25-34,fourth,1,0,Orange Money,0,0.0,none,10,8,high_burden
Mali,2022,rural,female,71,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2022,rural,female,51,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2021,urban,male,69,55+,second,0,0,none,0,0.0,none,2,0,high_burden
DRC,2021,rural,male,18,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2024,urban,female,65,55+,fourth,1,0,Airtel Money,0,0.0,none,6,4,high_burden
Mali,2022,rural,male,71,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2019,urban,female,35,25-34,fourth,1,0,Orange Money,0,0.0,none,6,3,high_burden
Rwanda,2025,urban,female,58,55+,highest,1,0,Airtel Money,0,0.0,none,6,3,high_burden
Tanzania,2021,rural,female,71,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2020,rural,male,73,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Niger,2022,urban,female,25,15-24,middle,1,1,Moov Money,9,76.33,"cash_withdrawal,international_remittance,loan_repayment,person_to_person,savings",10,2,high_burden
Senegal,2022,rural,female,48,45-54,highest,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2022,rural,female,72,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Mali,2024,urban,female,58,55+,middle,1,1,Moov Money,8,87.26,"international_remittance,merchant_payment,loan_repayment,savings,cash_withdrawal",5,3,high_burden
Mozambique,2018,rural,female,45,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Mali,2021,rural,female,36,35-44,second,1,1,Orange Money,8,163.87,"airtime_purchase,cash_deposit,merchant_payment",1,6,high_burden
Ethiopia,2024,urban,female,34,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2018,urban,male,27,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mali,2018,rural,female,16,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2018,urban,female,29,25-34,second,1,1,e-Mola,10,114.82,"bill_payment,airtime_purchase,cash_withdrawal,merchant_payment",10,1,high_burden
Nigeria,2023,urban,male,72,55+,middle,1,1,Paga,11,134.68,"international_remittance,savings,cash_deposit",2,13,high_burden
Ghana,2022,rural,female,58,55+,highest,1,0,Vodafone Cash,0,0.0,none,6,2,high_burden
South Africa,2022,rural,female,38,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2019,urban,female,73,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2021,rural,female,39,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,10,10,high_burden
Rwanda,2019,rural,female,34,25-34,second,1,1,MTN Mobile Money,8,100.25,"bill_payment,airtime_purchase",8,9,high_burden
Tanzania,2024,urban,female,57,55+,second,1,0,Tigo Pesa,0,0.0,none,10,16,high_burden
Mozambique,2019,rural,male,64,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
DRC,2020,rural,female,57,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2023,urban,male,21,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2024,urban,male,60,55+,second,1,1,Airtel Money,11,129.32,"international_remittance,cash_withdrawal,merchant_payment,bill_payment",10,7,high_burden
Senegal,2022,rural,male,21,15-24,fourth,0,0,none,0,0.0,none,4,0,high_burden
Mali,2024,rural,male,43,35-44,second,0,0,none,0,0.0,none,8,0,high_burden
DRC,2019,rural,female,58,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2020,rural,male,21,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2020,rural,female,74,55+,second,1,1,Airtel Money,5,136.76,"loan_repayment,person_to_person,airtime_purchase",10,12,high_burden
Senegal,2022,urban,female,24,15-24,fourth,1,1,Wari,16,131.5,"savings,airtime_purchase",4,10,high_burden
Uganda,2020,rural,female,62,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,5,6,high_burden
Zambia,2019,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2020,rural,male,63,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2018,rural,male,50,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2022,urban,male,59,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2018,rural,male,38,35-44,highest,1,0,Wari,0,0.0,none,1,2,high_burden
Kenya,2021,rural,female,53,45-54,middle,1,0,Airtel Money,0,0.0,none,8,3,high_burden
Senegal,2024,rural,female,46,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2025,rural,male,50,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2023,rural,female,35,25-34,second,1,0,AirtelTigo Money,0,0.0,none,9,15,high_burden
Malawi,2019,rural,female,72,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2023,urban,male,58,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2020,urban,female,32,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2024,urban,male,53,45-54,lowest,1,1,Vodafone Cash,14,180.55,"loan_repayment,bill_payment,cash_withdrawal",6,12,high_burden
DRC,2022,rural,female,30,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2021,urban,male,22,15-24,lowest,1,1,Wave,13,63.03,"merchant_payment,person_to_person,savings",10,1,high_burden
Senegal,2024,urban,male,40,35-44,fourth,1,0,Orange Money,0,0.0,none,6,16,high_burden
Zambia,2020,urban,female,28,25-34,middle,1,1,MTN Mobile Money,6,141.24,"cash_deposit,cash_withdrawal,savings,international_remittance",8,8,high_burden
Malawi,2021,urban,male,51,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2023,urban,female,44,35-44,highest,1,0,Orange Money,0,0.0,none,7,15,high_burden
Senegal,2025,urban,male,55,45-54,fourth,1,1,Wave,3,51.71,"bill_payment,cash_deposit,cash_withdrawal,savings,loan_repayment",10,3,high_burden
Rwanda,2024,urban,male,48,45-54,second,1,1,Airtel Money,12,295.05,"airtime_purchase,cash_withdrawal,savings,international_remittance",6,2,high_burden
South Africa,2021,rural,female,58,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2023,urban,female,56,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2018,urban,female,38,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mali,2024,urban,female,32,25-34,fourth,1,0,Moov Money,0,0.0,none,9,6,high_burden
Mozambique,2018,urban,female,53,45-54,second,1,1,e-Mola,14,116.74,"cash_deposit,airtime_purchase,bill_payment,international_remittance",3,8,high_burden
Uganda,2021,urban,female,42,35-44,fourth,1,0,Airtel Money,0,0.0,none,10,8,high_burden
Zambia,2022,urban,male,61,55+,highest,1,0,MTN Mobile Money,0,0.0,none,9,11,high_burden
South Africa,2018,urban,female,18,15-24,second,1,1,Vodapay,12,113.32,"loan_repayment,bill_payment,cash_withdrawal",10,9,high_burden
Ghana,2021,urban,male,15,15-24,lowest,1,0,Vodafone Cash,0,0.0,none,4,13,high_burden
Uganda,2025,rural,female,31,25-34,second,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2021,rural,male,44,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,6,2,high_burden
Ghana,2018,rural,female,60,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2023,rural,female,69,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2018,rural,male,19,15-24,highest,1,0,Tigo Pesa,0,0.0,none,2,1,high_burden
Senegal,2022,rural,male,28,25-34,middle,1,1,Wave,7,155.18,"bill_payment,merchant_payment,loan_repayment,airtime_purchase",3,10,high_burden
Malawi,2018,rural,female,58,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
DRC,2020,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2018,rural,female,64,55+,lowest,1,0,Airtel Money,0,0.0,none,7,10,high_burden
South Africa,2020,rural,female,68,55+,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2021,rural,female,60,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2025,urban,female,27,25-34,middle,1,0,Airtel Money,0,0.0,none,7,10,high_burden
Kenya,2019,urban,female,41,35-44,lowest,1,0,Airtel Money,0,0.0,none,7,2,high_burden
Ethiopia,2024,urban,female,74,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2018,rural,male,36,35-44,fourth,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2025,rural,male,46,45-54,fourth,1,0,Airtel Money,0,0.0,none,6,14,high_burden
Kenya,2022,urban,male,20,15-24,middle,1,1,M-Pesa,17,215.95,"cash_withdrawal,merchant_payment",3,4,high_burden
Rwanda,2021,urban,male,64,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2022,urban,male,52,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2024,urban,male,69,55+,fourth,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2019,rural,female,34,25-34,fourth,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2025,rural,female,65,55+,middle,1,1,Airtel Money,20,106.04,"cash_deposit,merchant_payment,airtime_purchase",9,6,high_burden
Malawi,2020,urban,male,72,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2023,urban,male,61,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2025,rural,female,46,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2019,rural,female,16,15-24,lowest,1,0,Vodafone Cash,0,0.0,none,3,7,high_burden
Mali,2019,urban,female,52,45-54,second,0,0,none,0,0.0,none,8,0,high_burden
Niger,2022,urban,female,73,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2025,rural,female,61,55+,highest,1,0,M-Pesa,0,0.0,none,7,9,high_burden
DRC,2022,urban,female,67,55+,middle,1,0,M-Pesa,0,0.0,none,3,4,high_burden
Nigeria,2019,urban,female,15,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2025,urban,female,49,45-54,second,1,1,Airtel Money,12,61.91,"bill_payment,cash_deposit,loan_repayment",5,4,high_burden
South Africa,2024,rural,female,35,25-34,middle,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2025,rural,male,67,55+,second,1,1,Airtel Money,12,81.73,"loan_repayment,savings",9,11,high_burden
Nigeria,2022,rural,female,38,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2024,urban,female,37,35-44,second,1,0,M-Pesa,0,0.0,none,10,11,high_burden
Mali,2019,rural,female,20,15-24,fourth,1,1,Moov Money,11,61.59,"cash_withdrawal,savings,person_to_person",7,11,high_burden
DRC,2025,rural,female,42,35-44,fourth,1,1,Orange Money,6,58.6,"cash_deposit,person_to_person,international_remittance,bill_payment,loan_repayment",8,11,high_burden
Rwanda,2020,urban,female,48,45-54,second,1,0,MTN Mobile Money,0,0.0,none,3,12,high_burden
Rwanda,2020,urban,male,42,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,2,11,high_burden
Ethiopia,2025,rural,female,29,25-34,second,1,1,M-Birr,7,126.5,"bill_payment,person_to_person",3,6,high_burden
Mozambique,2024,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2021,urban,male,43,35-44,middle,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2018,urban,male,69,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2020,rural,male,47,45-54,highest,0,0,none,0,0.0,none,9,0,high_burden
DRC,2019,urban,male,35,25-34,fourth,1,0,Airtel Money,0,0.0,none,5,2,high_burden
Senegal,2024,urban,male,52,45-54,middle,1,0,Orange Money,0,0.0,none,6,13,high_burden
Ethiopia,2020,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2023,urban,male,67,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2023,rural,female,62,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2023,urban,male,74,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Niger,2021,urban,female,49,45-54,second,0,0,none,0,0.0,none,2,0,high_burden
Mali,2024,rural,male,34,25-34,fourth,1,0,Moov Money,0,0.0,none,10,4,high_burden
Kenya,2019,urban,female,68,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2023,rural,male,25,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,3,12,high_burden
Ghana,2025,rural,female,21,15-24,lowest,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2025,rural,male,52,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,5,7,high_burden
Tanzania,2025,rural,male,38,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2022,urban,female,55,45-54,fourth,1,1,M-Pesa,18,112.08,"airtime_purchase,international_remittance,savings,loan_repayment",6,7,high_burden
Senegal,2023,rural,male,68,55+,highest,1,0,Wari,0,0.0,none,10,2,high_burden
DRC,2018,rural,male,59,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2025,urban,female,29,25-34,highest,1,0,Wari,0,0.0,none,4,6,high_burden
Ethiopia,2025,rural,female,15,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2022,rural,male,57,55+,fourth,1,0,Wave,0,0.0,none,3,11,high_burden
Ethiopia,2019,urban,female,38,35-44,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2022,rural,male,16,15-24,second,1,1,M-Pesa,7,77.59,"merchant_payment,international_remittance,airtime_purchase,bill_payment,cash_deposit",3,11,high_burden
Ghana,2025,urban,female,59,55+,fourth,1,1,AirtelTigo Money,12,38.91,"cash_deposit,airtime_purchase",8,9,high_burden
Senegal,2022,rural,female,23,15-24,fourth,1,0,Wave,0,0.0,none,9,8,high_burden
Senegal,2023,rural,female,52,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Mali,2022,rural,female,40,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
DRC,2025,rural,female,37,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2022,urban,female,49,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
Mali,2024,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Niger,2018,urban,female,64,55+,second,1,1,Moov Money,16,123.79,"international_remittance,person_to_person",9,1,high_burden
Uganda,2021,urban,male,52,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,8,6,high_burden
South Africa,2019,rural,male,36,35-44,second,1,0,FNB eWallet,0,0.0,none,4,3,high_burden
Ghana,2021,urban,female,16,15-24,highest,1,1,AirtelTigo Money,12,102.28,"cash_deposit,loan_repayment,person_to_person",10,8,high_burden
South Africa,2019,urban,male,35,25-34,second,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2023,rural,female,31,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2020,rural,female,48,45-54,highest,0,0,none,0,0.0,none,1,0,high_burden
Ethiopia,2020,rural,female,47,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2023,urban,male,31,25-34,highest,1,0,AirtelTigo Money,0,0.0,none,8,7,high_burden
DRC,2018,rural,female,62,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Niger,2020,rural,male,66,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2023,urban,male,19,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2019,urban,female,33,25-34,middle,1,0,Orange Money,0,0.0,none,7,4,high_burden
Mozambique,2021,rural,male,72,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Mali,2021,urban,female,21,15-24,fourth,1,1,Moov Money,13,110.94,"person_to_person,international_remittance",10,13,high_burden
Nigeria,2022,urban,male,16,15-24,middle,1,0, PalmPay,0,0.0,none,3,12,high_burden
Tanzania,2023,urban,male,54,45-54,fourth,1,0,Airtel Money,0,0.0,none,10,10,high_burden
Nigeria,2018,rural,male,53,45-54,middle,0,0,none,0,0.0,none,1,0,high_burden
Malawi,2022,rural,male,27,25-34,lowest,1,0,Airtel Money,0,0.0,none,6,11,high_burden
DRC,2020,urban,female,35,25-34,highest,1,0,Airtel Money,0,0.0,none,7,6,high_burden
South Africa,2021,urban,female,20,15-24,middle,1,1,FNB eWallet,10,135.26,"savings,international_remittance,airtime_purchase",6,8,high_burden
Ethiopia,2020,urban,female,63,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2019,urban,male,18,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2023,rural,male,60,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2025,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2021,rural,male,41,35-44,fourth,1,0,Airtel Money,0,0.0,none,8,6,high_burden
Nigeria,2019,urban,female,69,55+,highest,1,1,Paga,13,65.74,"bill_payment,loan_repayment,cash_deposit,cash_withdrawal",2,10,high_burden
Tanzania,2019,urban,male,25,15-24,lowest,1,0,M-Pesa,0,0.0,none,9,8,high_burden
DRC,2024,rural,male,74,55+,middle,1,0,Orange Money,0,0.0,none,4,2,high_burden
Zambia,2018,urban,male,73,55+,middle,1,0,Airtel Money,0,0.0,none,9,5,high_burden
Kenya,2021,rural,female,56,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2024,rural,female,34,25-34,middle,1,0,M-Pesa,0,0.0,none,3,9,high_burden
DRC,2018,urban,male,15,15-24,middle,1,0,M-Pesa,0,0.0,none,10,9,high_burden
Tanzania,2024,urban,male,54,45-54,fourth,1,0,M-Pesa,0,0.0,none,5,5,high_burden
DRC,2025,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2025,rural,female,71,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Niger,2020,rural,male,30,25-34,middle,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2019,urban,male,50,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Mali,2019,rural,female,18,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2019,urban,female,22,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2018,rural,male,70,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2022,urban,female,30,25-34,fourth,1,0,Airtel Money,0,0.0,none,6,6,high_burden
Mozambique,2024,rural,female,72,55+,middle,1,1,M-Pesa,14,54.21,"person_to_person,merchant_payment",1,1,high_burden
DRC,2023,urban,female,40,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2024,urban,female,22,15-24,highest,1,0,Airtel Money,0,0.0,none,6,3,high_burden
Senegal,2022,rural,female,44,35-44,fourth,1,0,Orange Money,0,0.0,none,5,8,high_burden
Kenya,2019,rural,male,60,55+,highest,1,0,M-Pesa,0,0.0,none,1,5,high_burden
Senegal,2021,rural,male,38,35-44,lowest,1,0,Orange Money,0,0.0,none,6,2,high_burden
Uganda,2024,rural,male,49,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2025,urban,female,72,55+,highest,1,1,Airtel Money,7,168.6,"person_to_person,savings,international_remittance,bill_payment,cash_deposit",2,13,high_burden
Tanzania,2022,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2018,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2025,rural,female,32,25-34,middle,0,0,none,0,0.0,none,4,0,high_burden
DRC,2020,urban,female,31,25-34,second,1,1,M-Pesa,11,49.88,"loan_repayment,international_remittance,merchant_payment",5,11,high_burden
Ethiopia,2021,urban,male,30,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2019,urban,female,21,15-24,fourth,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2021,rural,female,48,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2021,rural,male,62,55+,lowest,1,0,M-Pesa,0,0.0,none,4,13,high_burden
Senegal,2024,rural,male,53,45-54,middle,1,1,Wave,7,50.77,"cash_withdrawal,airtime_purchase,loan_repayment,merchant_payment",3,8,high_burden
Uganda,2019,urban,male,62,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2023,rural,female,45,35-44,lowest,1,0,Wave,0,0.0,none,7,1,high_burden
Uganda,2021,urban,male,59,55+,middle,1,1,MTN Mobile Money,16,78.65,"merchant_payment,cash_withdrawal,person_to_person,bill_payment,loan_repayment",8,12,high_burden
Uganda,2018,rural,male,49,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,9,2,high_burden
Mali,2018,urban,male,39,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2023,urban,female,24,15-24,lowest,1,1,Airtel Money,8,483.87,"person_to_person,merchant_payment",10,8,high_burden
Niger,2023,rural,female,68,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2020,rural,female,63,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2024,urban,male,61,55+,middle,1,1,Airtel Money,11,192.71,"cash_deposit,loan_repayment,person_to_person,international_remittance,savings",6,14,high_burden
Senegal,2021,urban,female,27,25-34,highest,1,1,Wari,8,51.16,"person_to_person,cash_withdrawal,airtime_purchase",10,4,high_burden
Uganda,2018,urban,male,46,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2022,rural,male,40,35-44,second,1,0,Wari,0,0.0,none,6,3,high_burden
DRC,2019,rural,female,31,25-34,highest,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2020,rural,male,37,35-44,second,1,1,MTN Mobile Money,7,43.84,"international_remittance,cash_withdrawal,airtime_purchase,savings,cash_deposit",10,9,high_burden
Senegal,2020,rural,female,38,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2019,urban,male,37,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,3,8,high_burden
DRC,2021,urban,male,39,35-44,middle,1,0,M-Pesa,0,0.0,none,10,11,high_burden
Mali,2024,urban,male,66,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2021,urban,female,22,15-24,fourth,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2020,rural,female,51,45-54,highest,1,0,Airtel Money,0,0.0,none,9,1,high_burden
Malawi,2021,urban,female,19,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2022,rural,male,58,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2023,urban,male,69,55+,fourth,1,1,M-Pesa,11,145.63,"international_remittance,cash_deposit,person_to_person,merchant_payment",6,12,high_burden
Uganda,2020,urban,female,37,35-44,highest,1,0,Airtel Money,0,0.0,none,10,3,high_burden
Uganda,2021,rural,female,43,35-44,fourth,1,1,MTN Mobile Money,7,51.73,"bill_payment,international_remittance",9,1,high_burden
Ethiopia,2020,urban,male,57,55+,fourth,1,1,telebirr,13,63.96,"person_to_person,airtime_purchase,cash_deposit,merchant_payment,cash_withdrawal",5,7,high_burden
Nigeria,2023,urban,male,17,15-24,highest,1,0, PalmPay,0,0.0,none,5,7,high_burden
South Africa,2019,rural,female,43,35-44,second,1,0,MTN Mobile Money,0,0.0,none,9,3,high_burden
Ghana,2020,urban,male,53,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2021,rural,male,49,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2018,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2019,rural,female,59,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2021,rural,female,73,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2018,urban,female,34,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2021,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2020,urban,male,35,25-34,middle,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2023,rural,female,41,35-44,lowest,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2025,rural,male,28,25-34,highest,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2023,rural,male,63,55+,middle,0,0,none,0,0.0,none,1,0,high_burden
Mali,2018,urban,female,60,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2018,rural,male,16,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2022,rural,female,16,15-24,fourth,1,1,Tigo Pesa,9,178.75,"savings,person_to_person,bill_payment,international_remittance",6,13,high_burden
South Africa,2021,rural,female,33,25-34,fourth,1,0,FNB eWallet,0,0.0,none,9,8,high_burden
Zambia,2024,urban,female,24,15-24,highest,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2023,rural,male,27,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,5,12,high_burden
Ghana,2025,urban,male,49,45-54,lowest,1,1,MTN Mobile Money,14,118.6,"cash_deposit,merchant_payment,cash_withdrawal,savings",4,8,high_burden
Ethiopia,2018,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2019,urban,male,29,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2024,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2025,urban,male,44,35-44,fourth,1,1,Paga,10,35.37,"cash_deposit,merchant_payment",10,14,high_burden
Tanzania,2021,urban,female,21,15-24,middle,1,1,M-Pesa,9,118.0,"savings,cash_deposit,person_to_person",10,5,high_burden
Mozambique,2018,rural,female,35,25-34,second,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2025,urban,female,44,35-44,highest,1,1,Zamtel Kwacha,8,161.24,"person_to_person,airtime_purchase",10,2,high_burden
Senegal,2020,rural,female,71,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2019,rural,female,72,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mali,2023,urban,female,16,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
DRC,2018,rural,female,74,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2022,urban,female,28,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2021,rural,female,53,45-54,fourth,0,0,none,0,0.0,none,1,0,high_burden
South Africa,2025,urban,female,57,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2022,rural,female,42,35-44,second,1,0,M-Birr,0,0.0,none,8,2,high_burden
Mali,2024,rural,male,49,45-54,second,1,0,Moov Money,0,0.0,none,8,8,high_burden
Niger,2020,rural,male,34,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2020,urban,female,45,35-44,middle,1,1,Wave,20,176.35,"person_to_person,international_remittance,cash_deposit,merchant_payment",4,1,high_burden
Zambia,2025,rural,male,46,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2023,rural,male,17,15-24,middle,1,1,AirtelTigo Money,8,139.71,"airtime_purchase,international_remittance",9,15,high_burden
Rwanda,2019,urban,male,48,45-54,highest,1,0,Airtel Money,0,0.0,none,5,8,high_burden
Niger,2025,urban,female,67,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2019,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mali,2020,rural,female,23,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2021,rural,female,26,25-34,lowest,1,0,Airtel Money,0,0.0,none,10,4,high_burden
Mali,2019,urban,female,67,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2025,rural,female,38,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2024,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2019,rural,male,36,35-44,second,1,0,Airtel Money,0,0.0,none,3,6,high_burden
Zambia,2022,rural,male,19,15-24,middle,1,1,Zamtel Kwacha,7,189.08,"cash_withdrawal,loan_repayment,airtime_purchase,savings",6,7,high_burden
Nigeria,2021,urban,female,41,35-44,middle,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2020,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2022,rural,female,56,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Niger,2025,rural,male,73,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2023,rural,female,25,15-24,middle,1,1,M-Birr,7,54.05,"savings,airtime_purchase",8,14,high_burden
Mali,2019,rural,female,29,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2025,rural,male,27,25-34,highest,1,0,M-Pesa,0,0.0,none,7,11,high_burden
Kenya,2021,urban,female,67,55+,lowest,1,0,M-Pesa,0,0.0,none,10,3,high_burden
Malawi,2021,rural,female,24,15-24,fourth,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2021,urban,female,40,35-44,fourth,1,1,M-Birr,12,129.56,"international_remittance,person_to_person",8,11,high_burden
South Africa,2023,urban,male,25,15-24,fourth,1,1,MTN Mobile Money,12,116.5,"person_to_person,cash_withdrawal,bill_payment,merchant_payment",10,8,high_burden
DRC,2020,rural,male,33,25-34,second,0,0,none,0,0.0,none,2,0,high_burden
DRC,2020,rural,female,36,35-44,fourth,1,0,Orange Money,0,0.0,none,10,8,high_burden
Zambia,2018,rural,female,54,45-54,fourth,1,0,Airtel Money,0,0.0,none,9,2,high_burden
Tanzania,2022,rural,female,69,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2022,urban,male,19,15-24,highest,1,1,Airtel Money,15,71.07,"loan_repayment,bill_payment",8,13,high_burden
Tanzania,2018,urban,female,74,55+,fourth,1,0,Tigo Pesa,0,0.0,none,6,5,high_burden
Niger,2019,rural,male,72,55+,second,1,1,Moov Money,13,44.74,"person_to_person,savings,bill_payment",2,1,high_burden
Senegal,2018,rural,male,27,25-34,second,1,0,Wari,0,0.0,none,9,9,high_burden
Senegal,2024,urban,female,35,25-34,lowest,1,0,Wave,0,0.0,none,10,8,high_burden
Mozambique,2025,rural,male,69,55+,second,1,1,e-Mola,12,140.8,"cash_deposit,international_remittance,cash_withdrawal,person_to_person,airtime_purchase",1,4,high_burden
DRC,2022,urban,male,56,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2021,rural,male,63,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2022,urban,male,41,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2021,urban,male,44,35-44,fourth,1,0,M-Pesa,0,0.0,none,7,8,high_burden
DRC,2022,urban,female,68,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Mali,2021,urban,female,35,25-34,fourth,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2019,urban,female,17,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2018,urban,male,29,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2022,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2023,rural,male,39,35-44,highest,1,0,M-Pesa,0,0.0,none,5,7,high_burden
Malawi,2023,urban,female,61,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2019,urban,male,42,35-44,fourth,1,1,Airtel Money,14,46.6,"international_remittance,cash_deposit,bill_payment",3,8,high_burden
Nigeria,2020,rural,male,73,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2023,rural,male,32,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2022,urban,female,65,55+,second,0,0,none,0,0.0,none,6,0,high_burden
DRC,2024,rural,male,74,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2021,rural,female,22,15-24,highest,1,1,M-Pesa,8,201.11,"international_remittance,cash_withdrawal,loan_repayment,airtime_purchase,merchant_payment",3,2,high_burden
Ethiopia,2021,rural,male,24,15-24,highest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2021,urban,male,42,35-44,second,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2023,rural,male,33,25-34,lowest,1,0,Wave,0,0.0,none,5,14,high_burden
Tanzania,2025,urban,female,28,25-34,second,1,0,Tigo Pesa,0,0.0,none,10,12,high_burden
Mozambique,2023,urban,female,41,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Niger,2018,urban,female,31,25-34,highest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2024,urban,male,21,15-24,lowest,1,1,Airtel Money,10,56.86,"airtime_purchase,bill_payment,person_to_person,loan_repayment",7,10,high_burden
Ethiopia,2020,rural,male,61,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2020,urban,female,39,35-44,second,1,0,MTN Mobile Money,0,0.0,none,10,9,high_burden
Malawi,2021,rural,female,17,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2025,rural,female,72,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2018,urban,female,20,15-24,fourth,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2018,rural,female,32,25-34,lowest,1,0,Airtel Money,0,0.0,none,5,7,high_burden
South Africa,2019,rural,female,51,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2020,rural,male,18,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2025,rural,male,68,55+,fourth,1,1,M-Pesa,10,136.15,"cash_deposit,savings,cash_withdrawal,international_remittance",2,3,high_burden
Ethiopia,2018,rural,male,67,55+,highest,1,1,M-Birr,6,151.76,"international_remittance,person_to_person,bill_payment",5,1,high_burden
Nigeria,2023,rural,female,45,35-44,highest,0,0,none,0,0.0,none,5,0,high_burden
Niger,2023,urban,male,31,25-34,second,0,0,none,0,0.0,none,3,0,high_burden
Niger,2022,urban,female,17,15-24,second,1,0,Airtel Money,0,0.0,none,7,12,high_burden
Kenya,2022,rural,female,25,15-24,highest,1,0,M-Pesa,0,0.0,none,4,12,high_burden
Malawi,2019,rural,male,41,35-44,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mali,2022,urban,female,28,25-34,highest,1,1,Orange Money,10,368.34,"merchant_payment,airtime_purchase,bill_payment,loan_repayment,savings",8,5,high_burden
DRC,2024,urban,male,19,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2018,rural,female,24,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2024,urban,female,32,25-34,fourth,1,1,M-Pesa,13,256.0,"airtime_purchase,cash_deposit,loan_repayment,person_to_person,merchant_payment",7,12,high_burden
Uganda,2023,urban,male,55,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,3,15,high_burden
Uganda,2019,rural,female,20,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2021,urban,male,56,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2021,rural,female,32,25-34,middle,1,0,Wave,0,0.0,none,7,8,high_burden
Kenya,2025,urban,male,25,15-24,middle,1,1,M-Pesa,15,107.34,"cash_deposit,bill_payment,airtime_purchase",9,8,high_burden
South Africa,2025,rural,male,19,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2022,urban,male,47,45-54,middle,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2018,rural,female,41,35-44,fourth,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2018,urban,male,45,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2025,rural,female,66,55+,highest,1,0,Tigo Pesa,0,0.0,none,5,12,high_burden
Mali,2021,rural,female,72,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2023,rural,male,60,55+,middle,1,0,Airtel Money,0,0.0,none,10,7,high_burden
Nigeria,2019,rural,male,44,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2018,urban,male,40,35-44,lowest,1,1,MTN Mobile Money,9,236.11,"international_remittance,cash_deposit",3,4,high_burden
Tanzania,2023,rural,female,30,25-34,middle,1,1,Airtel Money,7,98.4,"person_to_person,loan_repayment",3,2,high_burden
South Africa,2022,rural,female,57,55+,highest,1,1,MTN Mobile Money,9,104.75,"airtime_purchase,cash_deposit,person_to_person,international_remittance,cash_withdrawal",5,5,high_burden
DRC,2018,rural,female,41,35-44,second,0,0,none,0,0.0,none,1,0,high_burden
Mali,2024,rural,female,39,35-44,highest,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2025,rural,female,73,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2024,urban,female,23,15-24,lowest,1,1,AirtelTigo Money,10,48.78,"airtime_purchase,merchant_payment,person_to_person,loan_repayment",9,14,high_burden
Senegal,2022,rural,female,31,25-34,middle,1,1,Orange Money,8,66.25,"savings,bill_payment",7,7,high_burden
Malawi,2024,rural,male,26,25-34,highest,1,1,Airtel Money,8,76.09,"cash_deposit,cash_withdrawal,person_to_person",3,12,high_burden
Senegal,2019,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2019,rural,female,55,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2020,urban,female,52,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2021,rural,female,19,15-24,lowest,1,1,Vodafone Cash,11,51.88,"person_to_person,international_remittance,loan_repayment,cash_withdrawal",10,9,high_burden
Uganda,2018,urban,male,16,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2019,urban,female,37,35-44,middle,1,0,Tigo Pesa,0,0.0,none,8,2,high_burden
Nigeria,2021,urban,male,45,35-44,fourth,1,0,Paga,0,0.0,none,7,8,high_burden
DRC,2022,rural,male,72,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2021,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2025,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2023,rural,female,58,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2022,rural,female,66,55+,second,1,1,MTN Mobile Money,11,34.93,"international_remittance,savings,merchant_payment",5,7,high_burden
Ghana,2023,rural,male,28,25-34,middle,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2022,rural,male,46,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2019,urban,female,51,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2021,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2018,rural,female,33,25-34,fourth,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2024,urban,male,66,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2021,rural,female,44,35-44,second,1,0,M-Pesa,0,0.0,none,1,3,high_burden
South Africa,2025,rural,male,16,15-24,second,1,1,Vodapay,7,90.4,"cash_withdrawal,international_remittance",10,2,high_burden
DRC,2020,urban,male,36,35-44,fourth,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2023,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2019,urban,female,59,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2024,urban,male,56,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2022,rural,female,30,25-34,highest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2021,urban,male,35,25-34,fourth,1,1,M-Pesa,9,91.31,"airtime_purchase,loan_repayment,person_to_person",8,6,high_burden
Zambia,2018,rural,female,33,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2025,rural,male,21,15-24,highest,1,0,Airtel Money,0,0.0,none,6,1,high_burden
Ethiopia,2018,rural,male,48,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2018,rural,male,36,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2024,urban,female,34,25-34,middle,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2022,rural,male,57,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2019,rural,female,65,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2019,urban,female,22,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2025,urban,female,44,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2019,rural,male,31,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2025,rural,female,43,35-44,lowest,1,1,M-Pesa,12,63.97,"cash_withdrawal,merchant_payment,international_remittance,bill_payment,loan_repayment",10,12,high_burden
Malawi,2020,urban,male,44,35-44,middle,0,0,none,0,0.0,none,4,0,high_burden
Niger,2018,urban,female,64,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2025,rural,female,46,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2020,urban,female,30,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2021,urban,female,73,55+,highest,1,0,e-Mola,0,0.0,none,5,1,high_burden
Mali,2024,rural,female,67,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2025,rural,female,21,15-24,second,1,1,Airtel Money,5,27.67,"cash_withdrawal,loan_repayment,bill_payment,savings,cash_deposit",5,3,high_burden
South Africa,2025,rural,male,59,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Niger,2019,urban,female,47,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mali,2021,urban,male,17,15-24,second,1,0,Moov Money,0,0.0,none,9,4,high_burden
Tanzania,2025,rural,female,19,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2024,urban,female,58,55+,fourth,1,0, PalmPay,0,0.0,none,5,3,high_burden
Tanzania,2021,rural,male,69,55+,lowest,1,1,M-Pesa,6,130.49,"cash_deposit,loan_repayment,merchant_payment,person_to_person",6,1,high_burden
Niger,2018,urban,male,48,45-54,highest,1,1,Moov Money,14,141.9,"bill_payment,international_remittance,cash_withdrawal",4,7,high_burden
Uganda,2022,rural,female,68,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2024,rural,female,56,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2018,rural,female,15,15-24,lowest,1,1,Wave,7,34.77,"bill_payment,loan_repayment,international_remittance",3,3,high_burden
Tanzania,2021,urban,female,68,55+,fourth,1,0,M-Pesa,0,0.0,none,4,11,high_burden
Malawi,2025,rural,male,69,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Niger,2020,rural,female,15,15-24,highest,1,0,Airtel Money,0,0.0,none,10,4,high_burden
DRC,2022,urban,female,41,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2022,urban,male,16,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2024,rural,female,65,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2023,urban,female,57,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2021,urban,female,31,25-34,highest,1,1,M-Pesa,9,98.85,"airtime_purchase,loan_repayment,bill_payment",6,11,high_burden
Mali,2020,urban,male,39,35-44,second,0,0,none,0,0.0,none,8,0,high_burden
Mali,2018,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2023,rural,male,61,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2019,rural,male,65,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2020,rural,female,21,15-24,middle,1,1,FNB eWallet,11,265.48,"cash_deposit,cash_withdrawal",8,11,high_burden
Malawi,2018,urban,female,44,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
Niger,2025,urban,male,51,45-54,middle,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2025,rural,female,38,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2018,urban,male,74,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2023,rural,male,28,25-34,middle,1,1,MTN Mobile Money,13,76.26,"person_to_person,loan_repayment,savings,merchant_payment",8,13,high_burden
Kenya,2021,urban,female,69,55+,lowest,1,0,M-Pesa,0,0.0,none,10,3,high_burden
Mozambique,2018,urban,male,34,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Mali,2019,urban,female,50,45-54,lowest,1,0,Moov Money,0,0.0,none,7,11,high_burden
Nigeria,2022,rural,male,49,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2019,rural,male,40,35-44,middle,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2019,urban,female,18,15-24,second,1,0,Orange Money,0,0.0,none,3,11,high_burden
South Africa,2022,rural,male,21,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2025,rural,male,59,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2018,rural,female,63,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Ethiopia,2019,rural,male,66,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2019,rural,female,30,25-34,middle,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2021,urban,male,33,25-34,fourth,1,0,Zamtel Kwacha,0,0.0,none,8,13,high_burden
Nigeria,2025,rural,male,41,35-44,fourth,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2022,rural,female,34,25-34,middle,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2020,rural,female,58,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2025,rural,female,17,15-24,fourth,1,0,Wari,0,0.0,none,8,11,high_burden
Mali,2023,rural,female,19,15-24,lowest,1,0,Moov Money,0,0.0,none,4,1,high_burden
Nigeria,2019,rural,female,70,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2025,rural,female,71,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mali,2019,urban,male,29,25-34,fourth,0,0,none,0,0.0,none,6,0,high_burden
Niger,2021,urban,female,51,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2020,rural,male,44,35-44,lowest,1,1,Tigo Pesa,6,36.44,"international_remittance,person_to_person,airtime_purchase,merchant_payment",5,3,high_burden
Mozambique,2023,rural,female,38,35-44,fourth,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2025,urban,female,40,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2023,rural,male,42,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2020,rural,female,30,25-34,fourth,1,0,Airtel Money,0,0.0,none,7,8,high_burden
Zambia,2021,urban,male,31,25-34,second,1,1,MTN Mobile Money,5,46.19,"loan_repayment,airtime_purchase,cash_withdrawal",5,10,high_burden
Zambia,2025,urban,male,40,35-44,second,1,1,MTN Mobile Money,8,48.93,"international_remittance,loan_repayment,bill_payment",10,5,high_burden
Nigeria,2024,urban,female,24,15-24,middle,1,0,OPay,0,0.0,none,6,15,high_burden
Mozambique,2022,rural,male,31,25-34,highest,1,0,M-Pesa,0,0.0,none,10,4,high_burden
South Africa,2018,urban,male,32,25-34,highest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2018,urban,female,72,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2020,rural,female,51,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2018,rural,female,49,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2021,urban,female,55,45-54,second,1,1,M-Pesa,11,37.8,"bill_payment,person_to_person,airtime_purchase,merchant_payment,loan_repayment",10,7,high_burden
Ethiopia,2022,rural,male,50,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2023,rural,female,59,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2020,urban,female,19,15-24,fourth,1,1,MTN Mobile Money,11,109.95,"bill_payment,merchant_payment,international_remittance,airtime_purchase",8,8,high_burden
Ethiopia,2021,urban,male,56,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2024,rural,male,19,15-24,middle,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2018,rural,male,72,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2019,rural,female,37,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
Niger,2025,urban,male,70,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2019,rural,male,15,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
Mali,2023,rural,female,18,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Mali,2023,rural,male,65,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2022,urban,male,53,45-54,highest,1,0,Airtel Money,0,0.0,none,3,14,high_burden
Uganda,2024,rural,male,52,45-54,highest,1,0,Airtel Money,0,0.0,none,10,8,high_burden
Rwanda,2019,urban,female,55,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2020,rural,male,70,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Niger,2020,rural,female,71,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Mali,2021,urban,male,42,35-44,highest,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2023,rural,male,55,45-54,middle,0,0,none,0,0.0,none,8,0,high_burden
Mali,2024,rural,male,69,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2023,urban,male,19,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Niger,2024,urban,female,71,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2022,rural,female,47,45-54,second,1,0,Airtel Money,0,0.0,none,4,12,high_burden
Tanzania,2022,rural,male,50,45-54,second,1,0,Airtel Money,0,0.0,none,5,1,high_burden
Kenya,2021,urban,male,70,55+,second,1,1,M-Pesa,14,76.5,"international_remittance,airtime_purchase,bill_payment,loan_repayment",6,6,high_burden
Senegal,2023,rural,female,20,15-24,lowest,1,0,Wave,0,0.0,none,9,6,high_burden
Niger,2020,rural,male,74,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2021,urban,male,64,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2025,rural,female,61,55+,highest,1,0,Orange Money,0,0.0,none,1,17,high_burden
Zambia,2018,rural,female,19,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,4,4,high_burden
Ethiopia,2025,rural,female,73,55+,fourth,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2020,urban,female,54,45-54,lowest,1,1,MTN Mobile Money,7,44.26,"person_to_person,cash_withdrawal,airtime_purchase,merchant_payment,cash_deposit",5,4,high_burden
Ethiopia,2022,rural,male,63,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2025,rural,female,42,35-44,second,1,1,Airtel Money,8,56.34,"loan_repayment,cash_withdrawal,bill_payment",4,2,high_burden
South Africa,2020,rural,female,23,15-24,lowest,1,1,MTN Mobile Money,6,46.76,"savings,cash_deposit,loan_repayment,cash_withdrawal",3,11,high_burden
Niger,2018,urban,male,22,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2023,rural,male,21,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2018,rural,female,33,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2021,rural,male,20,15-24,second,1,1,Orange Money,7,45.48,"loan_repayment,person_to_person",5,13,high_burden
Mozambique,2019,rural,male,49,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Niger,2018,urban,female,55,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2022,rural,male,33,25-34,fourth,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2023,urban,male,51,45-54,fourth,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2022,rural,male,17,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2023,rural,female,39,35-44,fourth,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2025,rural,male,39,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2020,rural,male,43,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2024,rural,male,49,45-54,lowest,1,0,e-Mola,0,0.0,none,7,6,high_burden
Mozambique,2025,rural,male,41,35-44,highest,0,0,none,0,0.0,none,1,0,high_burden
Mali,2025,urban,female,38,35-44,middle,1,0,Moov Money,0,0.0,none,4,3,high_burden
Zambia,2021,rural,female,69,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2018,rural,male,55,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2023,urban,female,51,45-54,second,1,0,FNB eWallet,0,0.0,none,3,6,high_burden
Kenya,2025,rural,female,68,55+,second,1,0,Airtel Money,0,0.0,none,9,8,high_burden
Senegal,2025,rural,female,64,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2021,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2023,rural,female,60,55+,second,0,0,none,0,0.0,none,5,0,high_burden
DRC,2023,urban,male,29,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2025,rural,male,60,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2020,urban,female,34,25-34,fourth,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2019,rural,female,61,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2018,rural,female,25,15-24,middle,0,0,none,0,0.0,none,3,0,high_burden
DRC,2021,urban,male,69,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2022,urban,female,67,55+,middle,1,1,Orange Money,18,69.78,"loan_repayment,merchant_payment",9,11,high_burden
Tanzania,2019,rural,male,43,35-44,second,1,1,Airtel Money,6,76.56,"person_to_person,savings",5,10,high_burden
Senegal,2024,rural,male,19,15-24,second,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2022,rural,female,19,15-24,middle,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2023,rural,female,57,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2024,urban,male,25,15-24,second,1,0,Zamtel Kwacha,0,0.0,none,3,11,high_burden
Mozambique,2020,urban,male,66,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
DRC,2018,urban,female,58,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2019,rural,male,52,45-54,lowest,1,1,Wari,6,105.9,"airtime_purchase,cash_withdrawal,merchant_payment,savings,bill_payment",5,7,high_burden
Tanzania,2021,urban,male,69,55+,middle,1,0,Tigo Pesa,0,0.0,none,10,9,high_burden
Kenya,2024,urban,female,59,55+,middle,1,1,Airtel Money,11,74.48,"bill_payment,international_remittance,airtime_purchase",4,3,high_burden
Zambia,2021,urban,female,39,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2018,urban,male,35,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2022,rural,male,31,25-34,fourth,1,0,Orange Money,0,0.0,none,4,14,high_burden
Senegal,2021,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,1,0,high_burden
South Africa,2020,urban,male,45,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2021,urban,female,40,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2019,urban,female,44,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2024,rural,female,36,35-44,second,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2022,rural,female,52,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2021,urban,male,26,25-34,second,0,0,none,0,0.0,none,5,0,high_burden
DRC,2024,rural,female,33,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2018,rural,female,30,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2018,urban,female,67,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2021,urban,female,28,25-34,fourth,1,1,Tigo Pesa,14,80.94,"cash_deposit,loan_repayment,airtime_purchase,bill_payment,savings",10,1,high_burden
Malawi,2024,rural,male,35,25-34,fourth,1,0,TNM Mpamba,0,0.0,none,7,5,high_burden
Malawi,2020,rural,female,18,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2024,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2024,urban,female,36,35-44,middle,1,0,AirtelTigo Money,0,0.0,none,5,11,high_burden
Malawi,2025,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2022,urban,male,61,55+,second,1,0,M-Pesa,0,0.0,none,6,3,high_burden
Malawi,2022,urban,male,18,15-24,middle,1,0,Airtel Money,0,0.0,none,7,5,high_burden
Mozambique,2021,urban,male,40,35-44,second,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2023,urban,female,53,45-54,middle,1,1,M-Pesa,9,60.6,"merchant_payment,bill_payment,cash_deposit,loan_repayment",10,1,high_burden
Tanzania,2025,rural,female,29,25-34,second,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2023,rural,male,56,55+,fourth,1,1,Vodafone Cash,6,178.96,"merchant_payment,cash_withdrawal,loan_repayment,cash_deposit,bill_payment",2,8,high_burden
Uganda,2018,rural,female,74,55+,middle,1,1,Airtel Money,7,51.92,"airtime_purchase,person_to_person",10,8,high_burden
Kenya,2020,rural,female,50,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2019,rural,male,23,15-24,highest,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2021,rural,male,42,35-44,highest,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2020,rural,female,57,55+,middle,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2020,rural,male,42,35-44,fourth,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2020,urban,female,20,15-24,middle,1,0,Orange Money,0,0.0,none,10,7,high_burden
Niger,2022,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2018,urban,male,37,35-44,second,1,0,Tigo Pesa,0,0.0,none,8,2,high_burden
Niger,2025,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2024,rural,male,34,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2024,rural,female,42,35-44,fourth,1,0, PalmPay,0,0.0,none,8,3,high_burden
Kenya,2025,rural,female,20,15-24,middle,1,0,Airtel Money,0,0.0,none,9,13,high_burden
Mali,2018,rural,male,19,15-24,lowest,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2025,rural,male,54,45-54,second,1,1,Airtel Money,8,137.14,"international_remittance,cash_withdrawal,loan_repayment,person_to_person,airtime_purchase",10,13,high_burden
Kenya,2024,rural,female,38,35-44,lowest,1,0,M-Pesa,0,0.0,none,1,12,high_burden
South Africa,2022,urban,female,44,35-44,highest,1,1,FNB eWallet,10,95.65,"airtime_purchase,bill_payment",10,4,high_burden
Zambia,2023,rural,female,20,15-24,highest,1,1,MTN Mobile Money,9,49.32,"bill_payment,airtime_purchase",4,12,high_burden
Rwanda,2019,urban,female,67,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2019,rural,male,26,25-34,middle,1,1,Airtel Money,10,65.94,"loan_repayment,person_to_person,airtime_purchase",2,8,high_burden
South Africa,2018,urban,male,41,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2022,urban,female,29,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2020,urban,male,41,35-44,second,1,0,Vodapay,0,0.0,none,9,7,high_burden
Ethiopia,2022,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2023,urban,male,42,35-44,lowest,1,1,Airtel Money,10,293.19,"airtime_purchase,loan_repayment,person_to_person",8,8,high_burden
Rwanda,2021,rural,male,33,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2022,urban,female,73,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2023,rural,male,39,35-44,fourth,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2024,urban,male,59,55+,fourth,1,1,Airtel Money,19,83.38,"bill_payment,international_remittance",10,15,high_burden
Malawi,2021,rural,male,74,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2018,rural,male,30,25-34,fourth,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2020,rural,male,39,35-44,middle,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2020,rural,female,49,45-54,highest,1,0,Vodafone Cash,0,0.0,none,8,2,high_burden
Nigeria,2020,rural,male,19,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2023,rural,male,15,15-24,second,1,1,MTN Mobile Money,9,139.31,"savings,international_remittance",10,5,high_burden
DRC,2025,rural,female,19,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2019,urban,female,56,55+,highest,1,0,MTN Mobile Money,0,0.0,none,2,8,high_burden
Ethiopia,2021,rural,female,29,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2021,rural,male,57,55+,fourth,1,1,MTN Mobile Money,8,103.81,"bill_payment,person_to_person,merchant_payment",9,13,high_burden
Tanzania,2020,urban,female,17,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2022,rural,female,66,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2018,rural,female,17,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2020,urban,female,48,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2019,rural,male,32,25-34,fourth,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2023,urban,male,25,15-24,second,1,0,MTN Mobile Money,0,0.0,none,6,7,high_burden
Malawi,2023,rural,female,19,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
DRC,2021,urban,male,38,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2019,urban,female,70,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2020,rural,male,73,55+,fourth,1,0,Airtel Money,0,0.0,none,5,9,high_burden
DRC,2018,urban,male,62,55+,highest,1,0,Airtel Money,0,0.0,none,5,7,high_burden
Mozambique,2021,rural,female,54,45-54,highest,1,0,e-Mola,0,0.0,none,9,9,high_burden
Ethiopia,2023,urban,male,27,25-34,second,1,0,telebirr,0,0.0,none,3,11,high_burden
Ethiopia,2025,urban,female,25,15-24,middle,1,1,M-Birr,16,38.13,"loan_repayment,bill_payment,international_remittance,person_to_person,merchant_payment",10,11,high_burden
Senegal,2023,urban,male,38,35-44,fourth,1,0,Orange Money,0,0.0,none,3,1,high_burden
Mozambique,2022,urban,male,24,15-24,second,1,0,e-Mola,0,0.0,none,6,3,high_burden
Nigeria,2019,rural,female,71,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2019,rural,male,67,55+,fourth,1,0,Tigo Pesa,0,0.0,none,6,3,high_burden
South Africa,2019,urban,female,32,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2019,urban,female,72,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2019,rural,male,49,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2022,rural,male,29,25-34,middle,1,0,M-Pesa,0,0.0,none,8,2,high_burden
Nigeria,2023,rural,male,17,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2019,urban,female,63,55+,fourth,1,1,Zamtel Kwacha,13,78.69,"person_to_person,cash_withdrawal",5,9,high_burden
Malawi,2023,rural,female,64,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2022,urban,male,36,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2024,urban,female,29,25-34,lowest,1,1,M-Pesa,7,214.0,"cash_deposit,loan_repayment,international_remittance,bill_payment",10,7,high_burden
Rwanda,2024,urban,female,68,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2021,rural,female,24,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Niger,2025,rural,male,46,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2018,rural,male,36,35-44,fourth,1,0,M-Pesa,0,0.0,none,4,5,high_burden
Rwanda,2022,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2023,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2025,rural,female,68,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2019,urban,male,56,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2021,rural,female,45,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2025,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2025,urban,male,49,45-54,middle,1,1,M-Pesa,17,75.28,"person_to_person,airtime_purchase,bill_payment,savings",9,13,high_burden
DRC,2021,rural,female,59,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2019,rural,female,22,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2022,rural,female,60,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2019,rural,female,16,15-24,highest,1,0,Vodafone Cash,0,0.0,none,8,1,high_burden
Mozambique,2018,rural,female,34,25-34,middle,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2022,urban,male,20,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2018,rural,female,63,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2020,rural,female,34,25-34,fourth,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2019,rural,female,57,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2020,rural,male,49,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2023,rural,male,72,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Mali,2022,urban,female,73,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2018,urban,male,61,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2019,rural,female,58,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2022,urban,male,66,55+,middle,1,1,Vodafone Cash,14,144.34,"cash_deposit,cash_withdrawal,merchant_payment,airtime_purchase,bill_payment",9,9,high_burden
Senegal,2023,urban,male,17,15-24,second,1,1,Wari,11,87.7,"cash_deposit,bill_payment,loan_repayment,merchant_payment",5,1,high_burden
Nigeria,2020,rural,male,50,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2020,rural,female,30,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2025,urban,male,16,15-24,middle,1,1, PalmPay,16,115.03,"merchant_payment,savings,loan_repayment,international_remittance,person_to_person",8,6,high_burden
Ethiopia,2022,urban,female,29,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2018,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2018,urban,female,41,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2024,rural,male,61,55+,highest,1,0,Airtel Money,0,0.0,none,7,11,high_burden
Malawi,2023,urban,male,51,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2022,rural,female,49,45-54,middle,1,1,M-Pesa,8,57.45,"international_remittance,cash_withdrawal,loan_repayment",10,9,high_burden
Senegal,2020,rural,male,25,15-24,second,1,0,Orange Money,0,0.0,none,2,2,high_burden
Mozambique,2023,rural,male,20,15-24,second,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2025,rural,female,31,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,6,5,high_burden
Senegal,2021,rural,female,56,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2024,rural,male,23,15-24,lowest,1,0,Airtel Money,0,0.0,none,10,5,high_burden
Kenya,2018,rural,male,26,25-34,second,1,1,Airtel Money,9,101.22,"airtime_purchase,person_to_person,loan_repayment",10,1,high_burden
Kenya,2019,rural,female,73,55+,fourth,1,1,M-Pesa,8,51.47,"loan_repayment,cash_deposit,merchant_payment,savings",2,6,high_burden
Rwanda,2025,rural,male,23,15-24,lowest,1,0,MTN Mobile Money,0,0.0,none,9,10,high_burden
Mozambique,2021,urban,female,44,35-44,highest,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2018,rural,female,15,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
Mali,2024,rural,male,55,45-54,second,1,0,Orange Money,0,0.0,none,6,11,high_burden
Uganda,2022,urban,female,16,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2020,rural,male,62,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2024,rural,male,45,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2019,rural,male,30,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,6,2,high_burden
Rwanda,2022,rural,male,33,25-34,second,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2023,rural,male,57,55+,lowest,1,0,Airtel Money,0,0.0,none,2,11,high_burden
Mozambique,2025,rural,female,30,25-34,highest,1,0,e-Mola,0,0.0,none,9,6,high_burden
Ghana,2022,rural,female,59,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2018,urban,female,65,55+,highest,1,0,Airtel Money,0,0.0,none,4,2,high_burden
South Africa,2025,rural,female,58,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2024,rural,male,74,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Niger,2018,rural,female,63,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2024,rural,male,44,35-44,second,1,0,M-Pesa,0,0.0,none,1,15,high_burden
Kenya,2018,rural,male,48,45-54,second,1,0,M-Pesa,0,0.0,none,7,2,high_burden
Nigeria,2022,rural,male,72,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2022,urban,male,67,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Mali,2019,urban,female,25,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2023,urban,male,18,15-24,lowest,1,1,AirtelTigo Money,13,366.39,"cash_withdrawal,loan_repayment,merchant_payment,cash_deposit,person_to_person",10,12,high_burden
Malawi,2023,rural,female,60,55+,middle,1,1,TNM Mpamba,7,42.98,"savings,loan_repayment,merchant_payment,bill_payment",2,3,high_burden
DRC,2023,urban,male,19,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2021,urban,female,16,15-24,fourth,1,0,Orange Money,0,0.0,none,8,2,high_burden
Uganda,2025,urban,female,15,15-24,middle,1,1,MTN Mobile Money,13,152.3,"cash_deposit,cash_withdrawal,loan_repayment,international_remittance,person_to_person",8,11,high_burden
Rwanda,2023,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2023,rural,female,48,45-54,middle,1,0,Wari,0,0.0,none,9,14,high_burden
Nigeria,2020,rural,male,25,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2025,urban,male,51,45-54,middle,1,0,M-Pesa,0,0.0,none,5,12,high_burden
Ghana,2025,rural,male,63,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2022,urban,female,24,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,9,12,high_burden
Rwanda,2025,urban,female,63,55+,lowest,1,0,Airtel Money,0,0.0,none,6,3,high_burden
Tanzania,2024,rural,female,47,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2024,rural,female,40,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2021,urban,female,74,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2023,rural,female,63,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2021,rural,male,69,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2018,urban,male,37,35-44,middle,1,0,Airtel Money,0,0.0,none,4,5,high_burden
Mali,2024,urban,male,66,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2018,rural,female,30,25-34,fourth,1,1,MTN Mobile Money,10,104.5,"person_to_person,bill_payment,loan_repayment,merchant_payment",4,9,high_burden
Senegal,2019,rural,female,16,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2021,rural,female,29,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2021,rural,male,36,35-44,second,1,1,Airtel Money,5,121.98,"cash_withdrawal,cash_deposit,person_to_person,bill_payment",9,3,high_burden
Zambia,2018,rural,male,66,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Niger,2021,urban,female,19,15-24,second,1,0,Airtel Money,0,0.0,none,5,1,high_burden
Ghana,2022,rural,male,73,55+,lowest,1,1,Vodafone Cash,7,96.9,"person_to_person,cash_deposit",1,9,high_burden
Mali,2024,rural,male,37,35-44,fourth,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2025,rural,female,28,25-34,middle,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2020,urban,female,18,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Niger,2024,urban,male,57,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2018,rural,female,31,25-34,fourth,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2020,urban,female,39,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
DRC,2023,urban,female,36,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
DRC,2020,urban,female,27,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
DRC,2018,urban,female,68,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2023,rural,male,46,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2023,urban,female,74,55+,highest,1,1,MTN Mobile Money,10,237.76,"cash_withdrawal,bill_payment,person_to_person,airtime_purchase,cash_deposit",4,8,high_burden
South Africa,2023,rural,female,62,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2025,urban,male,73,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2018,rural,female,26,25-34,highest,1,0,M-Birr,0,0.0,none,8,5,high_burden
Ghana,2020,rural,male,49,45-54,second,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2019,rural,female,53,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2022,rural,female,60,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2018,urban,female,18,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2024,urban,male,39,35-44,middle,1,1,e-Mola,14,115.56,"merchant_payment,savings,airtime_purchase,person_to_person,bill_payment",6,2,high_burden
Mozambique,2023,urban,male,47,45-54,second,1,1,M-Pesa,6,171.04,"airtime_purchase,bill_payment,cash_withdrawal,merchant_payment,person_to_person",9,10,high_burden
South Africa,2018,rural,male,25,15-24,fourth,0,0,none,0,0.0,none,8,0,high_burden
Mali,2024,rural,female,28,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mali,2024,rural,male,36,35-44,highest,1,0,Moov Money,0,0.0,none,6,13,high_burden
South Africa,2024,urban,male,71,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2025,rural,male,26,25-34,middle,1,0,AirtelTigo Money,0,0.0,none,4,10,high_burden
Senegal,2022,rural,female,32,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2023,urban,female,64,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
DRC,2021,urban,female,37,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Niger,2024,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2024,urban,female,64,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Niger,2020,urban,female,74,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2019,rural,female,24,15-24,lowest,1,1,MTN Mobile Money,2,69.2,"loan_repayment,airtime_purchase",2,10,high_burden
Nigeria,2023,rural,female,24,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2021,rural,female,35,25-34,fourth,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2022,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2018,rural,female,45,35-44,middle,1,0,Tigo Pesa,0,0.0,none,6,2,high_burden
Kenya,2019,urban,female,18,15-24,second,1,1,Airtel Money,13,315.44,"savings,loan_repayment,international_remittance,merchant_payment,bill_payment",10,6,high_burden
Niger,2018,rural,male,23,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
Mali,2025,rural,female,27,25-34,second,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2020,urban,male,61,55+,middle,1,1,e-Mola,14,250.49,"cash_withdrawal,international_remittance,bill_payment,merchant_payment,loan_repayment",10,1,high_burden
Nigeria,2024,rural,male,20,15-24,highest,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2023,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2023,rural,male,38,35-44,fourth,1,0,Zamtel Kwacha,0,0.0,none,1,6,high_burden
Nigeria,2025,urban,female,27,25-34,fourth,1,1,OPay,22,63.96,"bill_payment,cash_withdrawal,merchant_payment,international_remittance",9,3,high_burden
Niger,2020,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2024,urban,male,56,55+,middle,1,0,Zamtel Kwacha,0,0.0,none,5,8,high_burden
Zambia,2022,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mali,2023,rural,female,65,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2018,rural,female,15,15-24,middle,1,1,Airtel Money,16,46.37,"cash_deposit,airtime_purchase,international_remittance,savings",8,4,high_burden
DRC,2019,urban,female,35,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2024,urban,male,28,25-34,lowest,1,1,Airtel Money,10,87.1,"savings,airtime_purchase,loan_repayment",5,5,high_burden
Nigeria,2020,urban,female,39,35-44,highest,1,0,Paga,0,0.0,none,8,4,high_burden
DRC,2023,rural,female,65,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2025,rural,male,73,55+,middle,1,1,MTN Mobile Money,7,66.04,"cash_withdrawal,person_to_person,bill_payment,airtime_purchase",5,5,high_burden
Zambia,2022,rural,male,38,35-44,second,1,0,Airtel Money,0,0.0,none,7,3,high_burden
Mali,2022,urban,male,63,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
DRC,2022,urban,male,25,15-24,second,1,1,M-Pesa,10,297.59,"person_to_person,airtime_purchase,cash_withdrawal,international_remittance",3,7,high_burden
Mali,2019,urban,male,29,25-34,lowest,1,0,Moov Money,0,0.0,none,9,4,high_burden
DRC,2020,urban,male,74,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2023,urban,female,72,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2025,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2019,urban,male,74,55+,second,1,0,Airtel Money,0,0.0,none,7,8,high_burden
Uganda,2025,rural,male,28,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,2,9,high_burden
Rwanda,2022,rural,female,68,55+,fourth,1,1,Airtel Money,5,72.05,"savings,cash_deposit",8,8,high_burden
Kenya,2018,rural,female,37,35-44,middle,1,0,Airtel Money,0,0.0,none,9,7,high_burden
Ethiopia,2023,rural,male,15,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2023,urban,female,55,45-54,highest,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2020,urban,male,57,55+,fourth,1,0,M-Pesa,0,0.0,none,4,7,high_burden
Kenya,2023,rural,female,20,15-24,second,1,0,Airtel Money,0,0.0,none,7,7,high_burden
Nigeria,2023,urban,female,46,45-54,highest,1,1,OPay,13,114.15,"loan_repayment,cash_deposit",7,3,high_burden
South Africa,2023,rural,male,16,15-24,highest,1,0,FNB eWallet,0,0.0,none,10,6,high_burden
South Africa,2023,urban,female,34,25-34,highest,1,1,MTN Mobile Money,11,67.33,"bill_payment,person_to_person,airtime_purchase,savings,cash_deposit",6,12,high_burden
Nigeria,2022,urban,male,42,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2019,urban,female,70,55+,highest,1,0,MTN Mobile Money,0,0.0,none,10,10,high_burden
Zambia,2022,rural,male,24,15-24,second,1,0,Zamtel Kwacha,0,0.0,none,2,12,high_burden
Tanzania,2022,rural,female,33,25-34,lowest,1,0,Tigo Pesa,0,0.0,none,6,7,high_burden
Tanzania,2019,rural,male,72,55+,second,1,0,Airtel Money,0,0.0,none,4,2,high_burden
Nigeria,2023,urban,female,25,15-24,highest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2019,rural,male,62,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2019,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,1,0,high_burden
South Africa,2018,rural,female,56,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2025,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2023,rural,male,72,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
South Africa,2020,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Niger,2023,rural,female,48,45-54,highest,1,0,Moov Money,0,0.0,none,6,2,high_burden
Mali,2023,urban,female,72,55+,lowest,1,0,Orange Money,0,0.0,none,4,7,high_burden
Zambia,2021,urban,female,33,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,8,2,high_burden
Niger,2024,rural,female,27,25-34,fourth,1,0,Moov Money,0,0.0,none,9,15,high_burden
Malawi,2023,urban,female,30,25-34,highest,1,1,TNM Mpamba,13,183.07,"cash_withdrawal,person_to_person",7,1,high_burden
Tanzania,2021,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2019,rural,male,63,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2018,rural,male,37,35-44,highest,1,0,Airtel Money,0,0.0,none,1,5,high_burden
Tanzania,2021,rural,male,41,35-44,lowest,0,0,none,0,0.0,none,5,0,high_burden
DRC,2018,rural,male,16,15-24,highest,1,0,Orange Money,0,0.0,none,4,5,high_burden
Uganda,2025,urban,male,51,45-54,highest,1,1,Airtel Money,10,140.72,"person_to_person,savings,bill_payment",7,15,high_burden
Ghana,2019,urban,male,72,55+,highest,1,0,AirtelTigo Money,0,0.0,none,9,3,high_burden
Malawi,2024,urban,female,54,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2018,urban,male,35,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Niger,2025,rural,male,53,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2022,rural,female,64,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Mali,2019,urban,female,63,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2023,urban,female,52,45-54,fourth,1,0,Vodapay,0,0.0,none,10,2,high_burden
Zambia,2022,rural,female,35,25-34,fourth,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2019,urban,male,33,25-34,middle,1,1,M-Pesa,14,51.26,"international_remittance,merchant_payment",10,10,high_burden
Niger,2020,rural,female,32,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
DRC,2018,rural,male,68,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mali,2021,urban,female,47,45-54,middle,1,0,Orange Money,0,0.0,none,8,4,high_burden
Senegal,2024,urban,female,56,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2018,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2021,urban,male,32,25-34,highest,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2020,rural,male,48,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,6,5,high_burden
Kenya,2025,urban,male,21,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2019,rural,female,63,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2022,rural,male,71,55+,lowest,1,1,MTN Mobile Money,10,123.09,"savings,bill_payment,merchant_payment,cash_withdrawal,cash_deposit",1,7,high_burden
Zambia,2020,rural,male,16,15-24,highest,0,0,none,0,0.0,none,2,0,high_burden
DRC,2024,rural,male,26,25-34,second,1,1,Airtel Money,8,63.87,"cash_withdrawal,airtime_purchase,bill_payment,loan_repayment",2,10,high_burden
South Africa,2019,rural,male,46,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2019,urban,male,24,15-24,lowest,1,1,M-Pesa,7,172.96,"international_remittance,airtime_purchase,cash_deposit,cash_withdrawal,bill_payment",10,6,high_burden
Uganda,2022,rural,male,20,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,2,12,high_burden
Mozambique,2019,urban,male,22,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2021,urban,male,41,35-44,lowest,1,0,M-Pesa,0,0.0,none,7,5,high_burden
DRC,2018,urban,male,41,35-44,lowest,1,0,Orange Money,0,0.0,none,7,5,high_burden
Uganda,2024,urban,male,73,55+,highest,1,1,MTN Mobile Money,7,93.13,"person_to_person,merchant_payment,loan_repayment",4,8,high_burden
Nigeria,2018,rural,female,59,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2024,rural,male,72,55+,highest,1,1,Vodapay,5,114.79,"international_remittance,cash_deposit",1,15,high_burden
Mali,2024,rural,male,36,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2018,urban,male,70,55+,middle,1,0,MTN Mobile Money,0,0.0,none,8,7,high_burden
Malawi,2025,urban,male,61,55+,lowest,1,0,Airtel Money,0,0.0,none,6,16,high_burden
Kenya,2021,rural,female,46,45-54,second,1,0,M-Pesa,0,0.0,none,8,12,high_burden
Kenya,2020,urban,male,63,55+,fourth,1,1,Airtel Money,12,62.93,"bill_payment,international_remittance,cash_deposit,person_to_person,loan_repayment",8,2,high_burden
Kenya,2024,urban,male,45,35-44,lowest,1,1,M-Pesa,6,101.22,"airtime_purchase,bill_payment",10,11,high_burden
Mozambique,2021,urban,male,60,55+,highest,1,0,M-Pesa,0,0.0,none,5,2,high_burden
South Africa,2020,rural,female,26,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2018,rural,female,42,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2020,urban,female,71,55+,highest,1,0,OPay,0,0.0,none,10,12,high_burden
Niger,2019,rural,male,72,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2025,urban,female,54,45-54,fourth,0,0,none,0,0.0,none,9,0,high_burden
DRC,2025,urban,female,74,55+,fourth,1,0,Orange Money,0,0.0,none,6,5,high_burden
Zambia,2020,urban,male,55,45-54,second,1,0,MTN Mobile Money,0,0.0,none,10,8,high_burden
Ghana,2022,rural,male,70,55+,fourth,1,0,AirtelTigo Money,0,0.0,none,7,14,high_burden
Senegal,2022,urban,female,17,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Niger,2022,rural,female,73,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2024,rural,male,66,55+,second,1,0,MTN Mobile Money,0,0.0,none,5,7,high_burden
Zambia,2022,rural,female,43,35-44,lowest,1,1,MTN Mobile Money,13,137.6,"person_to_person,international_remittance",6,3,high_burden
Mali,2018,rural,male,26,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2020,rural,male,28,25-34,middle,1,1,Airtel Money,13,48.69,"merchant_payment,savings",2,8,high_burden
Malawi,2022,rural,female,33,25-34,highest,1,0,Airtel Money,0,0.0,none,9,10,high_burden
Niger,2021,urban,female,16,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2025,urban,male,68,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,9,17,high_burden
Zambia,2018,rural,male,36,35-44,fourth,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2018,rural,male,57,55+,second,1,0,AirtelTigo Money,0,0.0,none,7,7,high_burden
Mozambique,2024,rural,male,19,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2021,rural,female,49,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Tanzania,2018,rural,male,17,15-24,middle,1,0,M-Pesa,0,0.0,none,10,8,high_burden
Uganda,2023,rural,female,37,35-44,lowest,1,1,MTN Mobile Money,12,74.93,"person_to_person,airtime_purchase,merchant_payment,bill_payment",2,5,high_burden
Malawi,2021,rural,male,32,25-34,middle,0,0,none,0,0.0,none,4,0,high_burden
Niger,2024,rural,female,40,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2025,rural,female,59,55+,middle,1,1,Airtel Money,2,123.08,"merchant_payment,person_to_person,airtime_purchase,savings",1,3,high_burden
Mozambique,2020,rural,female,17,15-24,highest,1,0,e-Mola,0,0.0,none,2,10,high_burden
Nigeria,2022,rural,male,58,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2025,urban,male,24,15-24,second,1,1,MTN Mobile Money,10,120.45,"cash_withdrawal,savings",4,3,high_burden
Nigeria,2025,urban,male,74,55+,fourth,1,1,OPay,9,151.16,"cash_deposit,airtime_purchase,savings,bill_payment,cash_withdrawal",10,8,high_burden
Ethiopia,2022,rural,female,58,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2020,urban,female,67,55+,second,1,1,MTN Mobile Money,14,49.13,"cash_deposit,cash_withdrawal,person_to_person,international_remittance,bill_payment",9,7,high_burden
Rwanda,2025,rural,male,31,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2018,urban,female,63,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2019,urban,female,36,35-44,highest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2024,urban,male,53,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2024,urban,female,61,55+,highest,1,0,Airtel Money,0,0.0,none,3,12,high_burden
Senegal,2022,rural,female,20,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2019,rural,female,40,35-44,fourth,0,0,none,0,0.0,none,1,0,high_burden
DRC,2018,urban,male,47,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2021,rural,female,22,15-24,middle,1,0,Airtel Money,0,0.0,none,3,2,high_burden
Mozambique,2020,rural,male,41,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
DRC,2022,urban,female,71,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2019,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2018,rural,female,25,15-24,fourth,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2023,urban,male,36,35-44,fourth,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2021,rural,female,36,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
DRC,2022,rural,male,38,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2023,urban,female,23,15-24,second,1,0,Airtel Money,0,0.0,none,9,8,high_burden
Uganda,2020,urban,male,62,55+,highest,1,0,Airtel Money,0,0.0,none,10,3,high_burden
Uganda,2024,rural,female,61,55+,highest,1,1,Airtel Money,6,53.95,"cash_deposit,international_remittance,savings,airtime_purchase,bill_payment",5,7,high_burden
South Africa,2021,rural,male,69,55+,middle,1,0,FNB eWallet,0,0.0,none,4,13,high_burden
Kenya,2023,rural,male,66,55+,fourth,1,1,Airtel Money,3,100.4,"cash_deposit,airtime_purchase,person_to_person,loan_repayment,merchant_payment",7,11,high_burden
Ethiopia,2025,rural,female,25,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2018,urban,male,44,35-44,fourth,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2024,rural,male,48,45-54,fourth,1,0,Airtel Money,0,0.0,none,5,14,high_burden
Tanzania,2023,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2018,urban,male,22,15-24,middle,1,1,TNM Mpamba,14,53.67,"savings,person_to_person",10,10,high_burden
Mali,2023,rural,female,69,55+,second,1,0,Moov Money,0,0.0,none,10,13,high_burden
Malawi,2020,urban,female,56,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2020,rural,male,33,25-34,fourth,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2020,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2025,rural,male,70,55+,second,1,0,Airtel Money,0,0.0,none,2,1,high_burden
Malawi,2019,urban,male,17,15-24,lowest,1,1,TNM Mpamba,12,107.75,"international_remittance,merchant_payment,loan_repayment,bill_payment,person_to_person",9,4,high_burden
Uganda,2021,rural,female,57,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2025,rural,male,30,25-34,second,1,0,Airtel Money,0,0.0,none,3,12,high_burden
DRC,2022,rural,male,29,25-34,middle,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2025,rural,male,70,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2025,rural,male,40,35-44,second,1,1,MTN Mobile Money,6,89.75,"merchant_payment,airtime_purchase,bill_payment,cash_deposit,international_remittance",6,8,high_burden
DRC,2024,urban,female,45,35-44,second,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2018,rural,female,60,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2024,rural,male,45,35-44,highest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2022,urban,male,34,25-34,fourth,1,1,Airtel Money,16,127.61,"merchant_payment,loan_repayment,bill_payment,person_to_person",8,11,high_burden
Rwanda,2023,urban,female,25,15-24,highest,1,1,Airtel Money,11,232.07,"bill_payment,cash_deposit,international_remittance,airtime_purchase,merchant_payment",8,1,high_burden
Mozambique,2023,urban,female,65,55+,fourth,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2022,rural,male,60,55+,second,1,1,OPay,9,128.61,"savings,cash_withdrawal,cash_deposit,bill_payment,merchant_payment",3,1,high_burden
Mali,2020,urban,male,56,55+,second,0,0,none,0,0.0,none,6,0,high_burden
DRC,2019,rural,female,60,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2020,rural,male,68,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2019,rural,male,16,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2020,rural,male,44,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,9,12,high_burden
Ethiopia,2025,urban,female,49,45-54,highest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2018,rural,male,52,45-54,second,0,0,none,0,0.0,none,5,0,high_burden
DRC,2020,rural,male,27,25-34,fourth,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2021,rural,male,19,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2024,rural,male,16,15-24,lowest,1,1,Vodapay,6,28.09,"savings,airtime_purchase,cash_withdrawal,bill_payment",8,11,high_burden
Tanzania,2023,rural,female,69,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2021,rural,male,63,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2019,rural,female,19,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2018,urban,male,30,25-34,fourth,1,0,Zamtel Kwacha,0,0.0,none,3,5,high_burden
Ethiopia,2025,rural,male,36,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2022,rural,male,62,55+,second,1,0,M-Pesa,0,0.0,none,10,2,high_burden
DRC,2022,urban,male,36,35-44,fourth,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2018,urban,male,63,55+,middle,1,1,M-Pesa,8,83.21,"bill_payment,airtime_purchase,merchant_payment,cash_deposit,person_to_person",4,3,high_burden
Tanzania,2022,urban,female,35,25-34,fourth,1,0,M-Pesa,0,0.0,none,2,9,high_burden
Tanzania,2020,rural,male,45,35-44,fourth,1,1,Airtel Money,8,64.56,"airtime_purchase,loan_repayment,bill_payment",10,5,high_burden
Uganda,2020,rural,female,54,45-54,fourth,1,1,MTN Mobile Money,11,53.97,"savings,cash_deposit,bill_payment",1,12,high_burden
Malawi,2018,urban,male,25,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2019,urban,male,73,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2025,rural,male,74,55+,second,1,1,MTN Mobile Money,6,85.52,"savings,international_remittance",4,11,high_burden
Senegal,2021,urban,male,59,55+,fourth,1,1,Wari,12,89.04,"loan_repayment,cash_deposit,merchant_payment,bill_payment,person_to_person",5,3,high_burden
Nigeria,2022,urban,male,69,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2024,urban,female,56,55+,fourth,1,0,e-Mola,0,0.0,none,4,13,high_burden
Ethiopia,2021,urban,female,38,35-44,middle,1,1,M-Birr,10,130.46,"cash_withdrawal,cash_deposit,savings,loan_repayment,person_to_person",10,2,high_burden
Mali,2024,rural,female,41,35-44,lowest,1,0,Moov Money,0,0.0,none,3,13,high_burden
Senegal,2021,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2022,rural,male,65,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2022,rural,female,21,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2020,rural,female,43,35-44,middle,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2019,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2024,rural,male,48,45-54,highest,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2022,rural,male,69,55+,lowest,1,0,Tigo Pesa,0,0.0,none,7,7,high_burden
Niger,2023,rural,female,28,25-34,second,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2025,rural,male,25,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
DRC,2020,urban,male,65,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2024,rural,male,54,45-54,second,1,1,Airtel Money,7,76.07,"savings,cash_withdrawal,person_to_person,international_remittance",4,7,high_burden
Malawi,2022,rural,male,66,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2024,rural,male,46,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Niger,2021,urban,male,32,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2022,rural,female,15,15-24,second,1,0,AirtelTigo Money,0,0.0,none,3,1,high_burden
Ethiopia,2022,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2022,rural,male,41,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2019,rural,female,47,45-54,fourth,1,0,M-Pesa,0,0.0,none,2,7,high_burden
Tanzania,2019,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2023,rural,female,40,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2020,urban,male,27,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Mali,2022,rural,female,63,55+,highest,1,0,Moov Money,0,0.0,none,7,7,high_burden
DRC,2024,rural,male,25,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Niger,2024,rural,male,68,55+,highest,1,1,Moov Money,11,117.0,"airtime_purchase,bill_payment,savings",3,4,high_burden
South Africa,2023,urban,male,28,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2018,rural,male,68,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2019,rural,female,54,45-54,second,1,0,Airtel Money,0,0.0,none,9,4,high_burden
Senegal,2025,rural,male,72,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2019,rural,female,62,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2020,urban,female,27,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2020,urban,male,68,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2020,rural,female,64,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2022,rural,male,54,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2024,urban,male,25,15-24,fourth,1,1,OPay,12,61.22,"international_remittance,cash_withdrawal,person_to_person,cash_deposit,loan_repayment",5,9,high_burden
Tanzania,2021,rural,female,55,45-54,fourth,1,0,Airtel Money,0,0.0,none,6,3,high_burden
South Africa,2025,rural,male,53,45-54,highest,1,1,Vodapay,7,160.64,"savings,bill_payment,loan_repayment",1,10,high_burden
Tanzania,2022,rural,male,40,35-44,lowest,0,0,none,0,0.0,none,1,0,high_burden
Ghana,2023,urban,male,16,15-24,second,1,1,Vodafone Cash,8,74.48,"person_to_person,loan_repayment,cash_deposit,cash_withdrawal,bill_payment",10,2,high_burden
Mali,2019,urban,female,31,25-34,highest,1,0,Orange Money,0,0.0,none,7,2,high_burden
Senegal,2022,rural,male,20,15-24,second,1,1,Wari,13,61.37,"airtime_purchase,bill_payment,person_to_person",3,9,high_burden
Tanzania,2021,urban,male,26,25-34,second,1,0,Tigo Pesa,0,0.0,none,10,3,high_burden
Ghana,2018,rural,female,25,15-24,highest,1,0,AirtelTigo Money,0,0.0,none,9,9,high_burden
Mozambique,2024,rural,female,25,15-24,middle,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2019,rural,female,38,35-44,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2020,urban,male,34,25-34,fourth,1,0,Vodafone Cash,0,0.0,none,8,7,high_burden
Malawi,2025,rural,male,34,25-34,highest,1,0,TNM Mpamba,0,0.0,none,9,10,high_burden
Tanzania,2024,rural,male,54,45-54,middle,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2025,rural,male,63,55+,middle,1,0,Airtel Money,0,0.0,none,10,12,high_burden
South Africa,2025,rural,male,35,25-34,middle,1,1,FNB eWallet,10,146.0,"bill_payment,cash_withdrawal,merchant_payment",6,8,high_burden
South Africa,2019,rural,male,69,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2022,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2021,rural,female,33,25-34,second,1,0,Airtel Money,0,0.0,none,3,2,high_burden
Malawi,2022,urban,male,62,55+,second,1,1,Airtel Money,12,87.59,"international_remittance,savings,airtime_purchase",7,11,high_burden
Mozambique,2018,rural,male,54,45-54,fourth,0,0,none,0,0.0,none,1,0,high_burden
Kenya,2021,rural,male,46,45-54,fourth,1,0,Airtel Money,0,0.0,none,3,8,high_burden
Rwanda,2020,urban,female,39,35-44,fourth,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2021,urban,male,59,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2020,urban,female,44,35-44,fourth,1,1,e-Mola,13,158.97,"merchant_payment,cash_withdrawal,savings,bill_payment,loan_repayment",5,6,high_burden
Niger,2018,rural,female,24,15-24,middle,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2023,urban,male,31,25-34,highest,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2024,urban,female,44,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,4,3,high_burden
Tanzania,2019,urban,male,35,25-34,lowest,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2022,rural,male,24,15-24,highest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2021,urban,male,64,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2018,rural,male,19,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2021,rural,female,32,25-34,second,1,1,MTN Mobile Money,6,249.36,"cash_withdrawal,bill_payment",2,6,high_burden
Uganda,2025,rural,female,60,55+,highest,1,1,Airtel Money,2,26.96,"merchant_payment,savings,bill_payment,cash_withdrawal",7,6,high_burden
Mali,2020,rural,male,53,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2021,urban,male,72,55+,fourth,1,1,M-Pesa,20,61.27,"cash_withdrawal,international_remittance,loan_repayment,cash_deposit",6,4,high_burden
Ghana,2019,urban,male,26,25-34,highest,1,1,AirtelTigo Money,8,86.43,"airtime_purchase,international_remittance,cash_withdrawal",7,3,high_burden
Kenya,2021,urban,female,16,15-24,lowest,1,1,Airtel Money,10,133.89,"loan_repayment,person_to_person,international_remittance,merchant_payment,bill_payment",7,9,high_burden
DRC,2024,urban,male,46,45-54,middle,1,0,Airtel Money,0,0.0,none,3,7,high_burden
Senegal,2018,urban,male,17,15-24,second,1,1,Wave,7,64.08,"cash_withdrawal,cash_deposit,savings,international_remittance,airtime_purchase",6,3,high_burden
Zambia,2022,rural,male,22,15-24,fourth,1,1,Airtel Money,6,55.27,"international_remittance,merchant_payment,bill_payment",5,6,high_burden
Zambia,2022,rural,male,28,25-34,fourth,0,0,none,0,0.0,none,4,0,high_burden
Niger,2019,rural,female,63,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2025,urban,female,32,25-34,middle,1,1,M-Pesa,14,118.03,"cash_deposit,bill_payment,cash_withdrawal",5,4,high_burden
Zambia,2023,urban,female,41,35-44,second,1,1,Zamtel Kwacha,12,93.22,"loan_repayment,merchant_payment",9,5,high_burden
South Africa,2022,rural,male,31,25-34,highest,1,0,FNB eWallet,0,0.0,none,10,13,high_burden
Senegal,2025,rural,male,44,35-44,fourth,0,0,none,0,0.0,none,1,0,high_burden
Rwanda,2020,rural,male,44,35-44,middle,1,0,Airtel Money,0,0.0,none,7,5,high_burden
South Africa,2018,urban,female,51,45-54,lowest,1,1,FNB eWallet,13,137.98,"person_to_person,cash_deposit",9,1,high_burden
Mozambique,2025,rural,female,61,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Mali,2019,urban,female,26,25-34,lowest,1,1,Orange Money,13,91.23,"cash_deposit,international_remittance,person_to_person",3,3,high_burden
Mozambique,2018,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2025,urban,male,55,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2020,urban,male,17,15-24,middle,1,0,Moov Money,0,0.0,none,10,1,high_burden
Malawi,2021,urban,female,60,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2019,rural,male,62,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2025,rural,male,47,45-54,fourth,1,0,M-Pesa,0,0.0,none,6,3,high_burden
South Africa,2025,rural,male,40,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,10,12,high_burden
Mali,2020,rural,female,26,25-34,middle,1,0,Orange Money,0,0.0,none,10,12,high_burden
Ethiopia,2021,rural,female,51,45-54,fourth,1,0,M-Birr,0,0.0,none,5,5,high_burden
DRC,2025,rural,male,48,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
DRC,2024,urban,female,50,45-54,middle,1,1,Orange Money,12,48.53,"international_remittance,bill_payment,person_to_person",8,6,high_burden
Zambia,2023,rural,female,24,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2020,rural,female,50,45-54,fourth,1,0,Airtel Money,0,0.0,none,5,9,high_burden
Uganda,2019,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2024,rural,female,40,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2022,rural,male,63,55+,highest,1,1,Vodafone Cash,8,106.63,"person_to_person,cash_deposit,savings,merchant_payment,loan_repayment",7,9,high_burden
Ghana,2024,rural,female,56,55+,fourth,1,0,AirtelTigo Money,0,0.0,none,6,7,high_burden
Nigeria,2021,rural,male,42,35-44,highest,1,0,OPay,0,0.0,none,8,11,high_burden
Ghana,2020,rural,male,45,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2024,urban,male,22,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Mali,2020,rural,female,68,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2018,urban,female,55,45-54,highest,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2023,rural,female,73,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2020,urban,female,38,35-44,fourth,1,1,Airtel Money,6,84.64,"merchant_payment,international_remittance",3,1,high_burden
DRC,2019,rural,female,61,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2018,rural,female,51,45-54,highest,0,0,none,0,0.0,none,1,0,high_burden
Ghana,2022,rural,male,45,35-44,lowest,1,1,Vodafone Cash,7,163.43,"cash_withdrawal,merchant_payment,international_remittance,airtime_purchase",4,2,high_burden
Rwanda,2022,urban,male,31,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Niger,2020,rural,female,43,35-44,fourth,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2021,urban,female,34,25-34,lowest,1,0,M-Pesa,0,0.0,none,5,5,high_burden
Nigeria,2020,rural,male,26,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2022,urban,male,58,55+,middle,1,0,Zamtel Kwacha,0,0.0,none,7,5,high_burden
Kenya,2024,urban,female,62,55+,lowest,1,1,Airtel Money,15,169.87,"merchant_payment,bill_payment,airtime_purchase",6,11,high_burden
Mozambique,2018,rural,male,66,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2020,urban,male,31,25-34,lowest,1,0,M-Pesa,0,0.0,none,7,11,high_burden
South Africa,2024,urban,male,65,55+,middle,1,1,Vodapay,8,193.82,"cash_withdrawal,person_to_person",5,10,high_burden
Nigeria,2022,rural,male,36,35-44,highest,1,0, PalmPay,0,0.0,none,2,9,high_burden
Mozambique,2023,rural,male,23,15-24,fourth,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2025,rural,male,46,45-54,fourth,1,0,Wari,0,0.0,none,7,10,high_burden
South Africa,2022,rural,female,68,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2021,rural,male,20,15-24,second,1,0,M-Pesa,0,0.0,none,8,6,high_burden
Ghana,2023,rural,female,65,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,9,7,high_burden
South Africa,2021,rural,male,66,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2025,rural,male,46,45-54,lowest,1,1,Airtel Money,11,100.12,"airtime_purchase,international_remittance,loan_repayment",7,16,high_burden
Kenya,2025,urban,female,59,55+,fourth,1,1,Airtel Money,10,161.06,"international_remittance,airtime_purchase,bill_payment,person_to_person,savings",5,1,high_burden
Rwanda,2023,rural,female,29,25-34,second,1,0,MTN Mobile Money,0,0.0,none,3,14,high_burden
Mozambique,2020,rural,male,71,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2025,urban,male,36,35-44,fourth,1,1,Airtel Money,7,140.96,"airtime_purchase,person_to_person,loan_repayment",3,7,high_burden
Rwanda,2023,urban,male,21,15-24,highest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2018,rural,female,32,25-34,middle,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2020,urban,female,42,35-44,second,1,1,MTN Mobile Money,14,49.28,"person_to_person,international_remittance,bill_payment,loan_repayment",7,2,high_burden
Rwanda,2019,urban,male,51,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2025,rural,female,24,15-24,middle,1,1,MTN Mobile Money,7,252.94,"airtime_purchase,merchant_payment,bill_payment,person_to_person,savings",8,10,high_burden
Tanzania,2021,rural,female,57,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2021,rural,female,29,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2022,rural,female,29,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2025,urban,male,66,55+,middle,1,1,Orange Money,14,253.94,"loan_repayment,bill_payment,savings,airtime_purchase",10,14,high_burden
Niger,2023,rural,male,41,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2022,urban,female,66,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2019,urban,male,57,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2024,urban,male,22,15-24,middle,1,1,FNB eWallet,14,250.95,"person_to_person,loan_repayment",10,9,high_burden
Ethiopia,2025,rural,female,32,25-34,second,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2018,rural,male,24,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2024,rural,male,43,35-44,fourth,1,0,Wave,0,0.0,none,7,10,high_burden
Niger,2019,rural,male,15,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
DRC,2023,rural,male,41,35-44,highest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2024,urban,male,17,15-24,second,1,1,MTN Mobile Money,17,159.9,"person_to_person,international_remittance,bill_payment,loan_repayment,airtime_purchase",5,5,high_burden
Senegal,2020,rural,male,64,55+,middle,1,1,Orange Money,11,75.55,"airtime_purchase,savings",7,2,high_burden
DRC,2019,rural,male,54,45-54,middle,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2018,rural,female,30,25-34,second,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2024,urban,male,67,55+,second,0,0,none,0,0.0,none,4,0,high_burden
DRC,2020,rural,female,55,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2025,rural,male,34,25-34,highest,1,1,Airtel Money,9,75.04,"person_to_person,bill_payment,international_remittance",2,2,high_burden
Uganda,2024,urban,female,34,25-34,middle,1,1,MTN Mobile Money,12,149.1,"bill_payment,savings,merchant_payment,international_remittance,airtime_purchase",6,4,high_burden
Ethiopia,2020,urban,female,20,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2019,rural,female,42,35-44,highest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2020,urban,male,27,25-34,fourth,1,0, PalmPay,0,0.0,none,4,10,high_burden
DRC,2022,rural,female,61,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2018,urban,female,73,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2019,rural,female,41,35-44,highest,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2025,urban,male,20,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2019,rural,male,53,45-54,lowest,1,0,Airtel Money,0,0.0,none,10,1,high_burden
Malawi,2020,rural,male,35,25-34,lowest,1,0,TNM Mpamba,0,0.0,none,1,2,high_burden
Senegal,2025,urban,female,57,55+,fourth,1,1,Wave,8,27.79,"merchant_payment,bill_payment,cash_deposit,loan_repayment",10,17,high_burden
Tanzania,2022,urban,female,32,25-34,middle,1,1,M-Pesa,13,113.53,"person_to_person,cash_withdrawal,international_remittance,savings",7,2,high_burden
Ghana,2021,rural,female,45,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2020,urban,female,52,45-54,second,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2022,rural,male,45,35-44,second,1,1,Airtel Money,11,63.14,"airtime_purchase,cash_withdrawal",4,9,high_burden
Kenya,2018,rural,female,56,55+,fourth,1,0,M-Pesa,0,0.0,none,3,2,high_burden
Malawi,2022,rural,male,71,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2022,rural,male,33,25-34,highest,1,0,OPay,0,0.0,none,8,5,high_burden
Niger,2024,urban,male,68,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Niger,2024,urban,male,47,45-54,lowest,1,0,Airtel Money,0,0.0,none,2,8,high_burden
Kenya,2021,urban,male,74,55+,lowest,1,0,M-Pesa,0,0.0,none,3,6,high_burden
Senegal,2025,urban,female,48,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2022,rural,male,59,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2018,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2021,urban,male,39,35-44,highest,1,0,e-Mola,0,0.0,none,8,4,high_burden
Tanzania,2024,urban,female,57,55+,middle,1,0,Tigo Pesa,0,0.0,none,10,10,high_burden
South Africa,2021,urban,male,37,35-44,highest,1,1,Vodapay,13,134.8,"savings,international_remittance,merchant_payment",10,10,high_burden
Ethiopia,2020,urban,female,68,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2018,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2019,rural,male,39,35-44,second,1,1,MTN Mobile Money,10,49.42,"cash_deposit,cash_withdrawal",1,6,high_burden
Ghana,2024,rural,female,29,25-34,lowest,1,1,AirtelTigo Money,3,56.94,"savings,international_remittance",10,1,high_burden
Nigeria,2020,urban,female,25,15-24,second,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2023,urban,female,40,35-44,second,1,1,OPay,12,108.33,"merchant_payment,person_to_person",2,14,high_burden
Zambia,2023,rural,male,19,15-24,fourth,1,1,Zamtel Kwacha,5,135.27,"bill_payment,cash_deposit,cash_withdrawal,international_remittance",3,1,high_burden
Tanzania,2024,rural,male,64,55+,fourth,1,0,Tigo Pesa,0,0.0,none,7,7,high_burden
South Africa,2021,rural,female,53,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2021,rural,male,65,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2020,urban,female,29,25-34,fourth,0,0,none,0,0.0,none,8,0,high_burden
Mali,2023,rural,female,65,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2023,rural,female,54,45-54,second,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2020,urban,female,17,15-24,lowest,1,1,Orange Money,12,47.37,"loan_repayment,person_to_person,airtime_purchase,cash_deposit",9,3,high_burden
Mali,2021,urban,female,32,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mali,2021,urban,male,43,35-44,fourth,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2024,urban,female,17,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2020,rural,female,32,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Niger,2025,urban,female,39,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2025,rural,female,26,25-34,fourth,1,0,Vodapay,0,0.0,none,6,10,high_burden
Niger,2020,rural,male,48,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2020,urban,male,48,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2021,rural,female,47,45-54,second,1,0,Airtel Money,0,0.0,none,7,12,high_burden
Kenya,2021,rural,male,33,25-34,lowest,1,0,Airtel Money,0,0.0,none,7,6,high_burden
Nigeria,2022,rural,male,66,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2024,rural,male,18,15-24,middle,0,0,none,0,0.0,none,6,0,high_burden
Mali,2022,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2019,rural,female,71,55+,highest,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2021,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2020,rural,female,19,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2018,urban,male,49,45-54,lowest,1,1,Airtel Money,6,144.41,"cash_deposit,international_remittance",2,8,high_burden
Ghana,2024,urban,male,30,25-34,lowest,1,0,Vodafone Cash,0,0.0,none,7,11,high_burden
Tanzania,2023,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2023,rural,male,34,25-34,lowest,1,0,Airtel Money,0,0.0,none,3,9,high_burden
Uganda,2020,urban,male,67,55+,fourth,1,0,Airtel Money,0,0.0,none,10,2,high_burden
Uganda,2023,rural,male,73,55+,second,1,0,Airtel Money,0,0.0,none,10,8,high_burden
Niger,2023,rural,male,31,25-34,fourth,1,1,Moov Money,6,95.81,"merchant_payment,savings",8,14,high_burden
Senegal,2023,rural,male,29,25-34,fourth,1,0,Orange Money,0,0.0,none,2,7,high_burden
Malawi,2023,urban,male,55,45-54,highest,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2023,rural,male,31,25-34,highest,1,0,Airtel Money,0,0.0,none,6,7,high_burden
DRC,2023,rural,female,48,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2019,rural,female,40,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2022,rural,female,19,15-24,lowest,1,0,Airtel Money,0,0.0,none,5,11,high_burden
Rwanda,2021,rural,female,33,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,4,3,high_burden
South Africa,2021,urban,female,19,15-24,middle,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2022,urban,female,66,55+,lowest,1,1,M-Pesa,13,220.59,"person_to_person,cash_withdrawal",6,9,high_burden
Nigeria,2021,urban,male,65,55+,highest,1,1,Paga,14,71.66,"cash_withdrawal,bill_payment,merchant_payment,international_remittance",10,3,high_burden
Mozambique,2025,urban,female,22,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2021,rural,female,70,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2020,urban,female,68,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mali,2019,rural,male,60,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2023,rural,female,41,35-44,highest,1,1,Wari,5,52.38,"savings,cash_withdrawal,cash_deposit,merchant_payment,loan_repayment",5,13,high_burden
South Africa,2020,urban,female,22,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,7,7,high_burden
DRC,2022,rural,male,39,35-44,middle,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2022,urban,female,23,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2024,rural,male,19,15-24,highest,1,1,Moov Money,4,101.81,"airtime_purchase,bill_payment,loan_repayment,cash_withdrawal,person_to_person",9,16,high_burden
Uganda,2024,rural,male,28,25-34,second,1,1,Airtel Money,9,34.5,"international_remittance,cash_withdrawal,merchant_payment,loan_repayment,bill_payment",10,5,high_burden
Uganda,2018,urban,male,48,45-54,second,1,0,Airtel Money,0,0.0,none,4,2,high_burden
Zambia,2021,urban,female,49,45-54,second,1,1,Airtel Money,11,42.39,"savings,cash_withdrawal,bill_payment,person_to_person,loan_repayment",5,13,high_burden
Rwanda,2018,rural,male,23,15-24,second,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2025,urban,female,68,55+,highest,1,0,Airtel Money,0,0.0,none,8,11,high_burden
Niger,2018,rural,female,23,15-24,fourth,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2019,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2025,urban,female,26,25-34,middle,1,1,Orange Money,11,121.53,"bill_payment,cash_deposit,cash_withdrawal,international_remittance,loan_repayment",10,3,high_burden
Niger,2021,rural,male,35,25-34,middle,1,0,Moov Money,0,0.0,none,1,6,high_burden
Zambia,2024,rural,male,15,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,3,8,high_burden
Niger,2020,urban,female,35,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2025,urban,female,29,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,7,5,high_burden
Senegal,2021,urban,male,19,15-24,fourth,1,1,Wave,12,39.87,"loan_repayment,savings,bill_payment,cash_withdrawal,airtime_purchase",3,12,high_burden
Nigeria,2019,rural,male,32,25-34,middle,1,0,Paga,0,0.0,none,2,11,high_burden
Rwanda,2022,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2019,urban,male,68,55+,highest,1,0,Airtel Money,0,0.0,none,2,10,high_burden
Mozambique,2019,rural,female,32,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2021,rural,female,49,45-54,second,1,0,MTN Mobile Money,0,0.0,none,6,4,high_burden
Malawi,2018,urban,male,63,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2019,urban,male,48,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2025,rural,female,71,55+,middle,1,1,AirtelTigo Money,13,36.36,"international_remittance,merchant_payment,loan_repayment",1,15,high_burden
Tanzania,2020,rural,female,53,45-54,highest,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2020,urban,female,44,35-44,second,1,1,Airtel Money,17,63.12,"merchant_payment,savings,person_to_person,loan_repayment",10,3,high_burden
Senegal,2023,rural,female,38,35-44,middle,1,0,Wari,0,0.0,none,5,12,high_burden
Mali,2022,urban,female,19,15-24,middle,1,1,Orange Money,12,111.76,"person_to_person,loan_repayment,cash_deposit,savings,international_remittance",10,3,high_burden
Niger,2023,rural,male,17,15-24,highest,1,1,Moov Money,7,104.8,"merchant_payment,international_remittance,loan_repayment",7,13,high_burden
Senegal,2024,urban,male,24,15-24,lowest,1,0,Wave,0,0.0,none,7,11,high_burden
Kenya,2024,urban,female,36,35-44,middle,1,0,M-Pesa,0,0.0,none,10,13,high_burden
Zambia,2024,urban,male,57,55+,middle,1,0,Airtel Money,0,0.0,none,5,3,high_burden
Mali,2021,urban,female,63,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2018,urban,female,40,35-44,middle,0,0,none,0,0.0,none,6,0,high_burden
Niger,2018,urban,female,56,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2020,rural,male,69,55+,lowest,1,0,Airtel Money,0,0.0,none,10,6,high_burden
Uganda,2023,rural,female,60,55+,second,1,1,MTN Mobile Money,8,77.39,"merchant_payment,cash_deposit,international_remittance,loan_repayment,bill_payment",4,1,high_burden
Tanzania,2025,rural,male,35,25-34,middle,1,0,Tigo Pesa,0,0.0,none,1,12,high_burden
Senegal,2025,urban,male,45,35-44,second,1,1,Wari,16,173.04,"cash_withdrawal,airtime_purchase,cash_deposit,person_to_person,bill_payment",8,10,high_burden
Tanzania,2024,rural,female,46,45-54,second,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2018,urban,male,34,25-34,highest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2020,rural,female,34,25-34,highest,1,0,Airtel Money,0,0.0,none,10,7,high_burden
Rwanda,2021,rural,female,43,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,4,9,high_burden
Ghana,2024,urban,male,26,25-34,middle,1,0,Vodafone Cash,0,0.0,none,10,2,high_burden
Niger,2024,rural,male,58,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2021,urban,male,65,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,9,13,high_burden
Uganda,2023,urban,male,42,35-44,second,1,0,Airtel Money,0,0.0,none,2,3,high_burden
Ethiopia,2020,rural,male,61,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Rwanda,2025,rural,female,30,25-34,fourth,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2023,rural,female,65,55+,middle,1,1,OPay,7,43.54,"loan_repayment,airtime_purchase,person_to_person",4,6,high_burden
Nigeria,2022,rural,female,15,15-24,fourth,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2018,urban,male,71,55+,highest,1,1,MTN Mobile Money,14,35.4,"airtime_purchase,loan_repayment",2,7,high_burden
Niger,2025,urban,male,44,35-44,middle,1,1,Airtel Money,10,80.67,"person_to_person,loan_repayment,cash_withdrawal,international_remittance",10,16,high_burden
DRC,2023,rural,female,31,25-34,lowest,1,0,Airtel Money,0,0.0,none,4,15,high_burden
South Africa,2023,rural,female,74,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2021,urban,male,52,45-54,highest,1,0,Wari,0,0.0,none,7,8,high_burden
Nigeria,2019,rural,female,23,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2021,urban,male,63,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2021,rural,male,69,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2018,rural,male,41,35-44,middle,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2025,rural,male,55,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2024,rural,male,42,35-44,fourth,1,1,Tigo Pesa,4,39.46,"cash_deposit,airtime_purchase",5,3,high_burden
Ghana,2022,urban,male,35,25-34,middle,1,1,Vodafone Cash,6,55.01,"airtime_purchase,bill_payment,cash_deposit,international_remittance,loan_repayment",7,7,high_burden
Ghana,2019,rural,male,19,15-24,second,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2018,rural,female,63,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2025,rural,male,72,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2024,urban,female,74,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2018,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2023,urban,male,33,25-34,lowest,1,0,Airtel Money,0,0.0,none,7,8,high_burden
Rwanda,2022,rural,male,63,55+,second,1,1,MTN Mobile Money,11,247.82,"international_remittance,airtime_purchase,loan_repayment,savings,cash_withdrawal",6,1,high_burden
Mozambique,2018,rural,female,68,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2024,urban,female,46,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2021,urban,female,48,45-54,second,1,0,Airtel Money,0,0.0,none,7,2,high_burden
Senegal,2018,urban,female,60,55+,highest,1,0,Wari,0,0.0,none,8,7,high_burden
Kenya,2024,rural,female,21,15-24,second,1,0,M-Pesa,0,0.0,none,4,4,high_burden
Kenya,2025,rural,male,30,25-34,second,1,0,M-Pesa,0,0.0,none,10,1,high_burden
Ghana,2021,urban,female,58,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Mali,2022,urban,female,35,25-34,fourth,1,0,Orange Money,0,0.0,none,5,9,high_burden
Kenya,2018,urban,female,16,15-24,lowest,1,1,Airtel Money,10,65.56,"loan_repayment,person_to_person,cash_deposit",6,3,high_burden
Rwanda,2025,rural,male,64,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2019,rural,male,27,25-34,middle,1,0,Orange Money,0,0.0,none,7,11,high_burden
Malawi,2021,urban,female,46,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2025,rural,male,68,55+,middle,1,1,Airtel Money,9,93.41,"savings,cash_withdrawal",5,11,high_burden
Zambia,2025,rural,female,58,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2018,rural,male,57,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2018,rural,male,49,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2023,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2019,rural,female,24,15-24,middle,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2018,rural,female,48,45-54,fourth,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2020,rural,male,60,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2023,urban,female,73,55+,highest,1,0,TNM Mpamba,0,0.0,none,4,3,high_burden
Rwanda,2019,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2020,urban,female,69,55+,fourth,1,0,Zamtel Kwacha,0,0.0,none,7,2,high_burden
Senegal,2025,urban,female,53,45-54,lowest,1,1,Wave,8,114.91,"loan_repayment,bill_payment,cash_deposit,savings,international_remittance",3,12,high_burden
Mozambique,2021,rural,female,61,55+,second,0,0,none,0,0.0,none,9,0,high_burden
DRC,2023,rural,male,72,55+,highest,1,0,Airtel Money,0,0.0,none,1,4,high_burden
Uganda,2024,rural,female,21,15-24,lowest,1,0,MTN Mobile Money,0,0.0,none,10,9,high_burden
Ethiopia,2018,rural,female,16,15-24,second,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2020,urban,male,36,35-44,highest,1,1, PalmPay,9,201.78,"international_remittance,bill_payment,airtime_purchase,savings",6,11,high_burden
South Africa,2025,rural,male,64,55+,highest,1,0,FNB eWallet,0,0.0,none,10,4,high_burden
Kenya,2019,urban,female,16,15-24,lowest,1,1,M-Pesa,10,98.99,"loan_repayment,savings,person_to_person,cash_withdrawal,airtime_purchase",3,9,high_burden
Nigeria,2023,rural,male,35,25-34,fourth,1,0, PalmPay,0,0.0,none,2,13,high_burden
Ghana,2018,urban,male,57,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2020,rural,male,64,55+,highest,1,1,MTN Mobile Money,5,118.03,"airtime_purchase,cash_deposit",10,3,high_burden
Mali,2022,rural,female,74,55+,highest,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2024,rural,male,50,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2022,urban,male,26,25-34,highest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2019,rural,female,45,35-44,highest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2018,urban,female,60,55+,middle,1,0,Airtel Money,0,0.0,none,5,6,high_burden
Niger,2025,rural,male,57,55+,second,1,0,Moov Money,0,0.0,none,6,10,high_burden
Niger,2018,urban,male,18,15-24,highest,1,0,Airtel Money,0,0.0,none,6,6,high_burden
Uganda,2018,rural,female,53,45-54,middle,1,0,Airtel Money,0,0.0,none,1,2,high_burden
Niger,2021,rural,male,46,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Mali,2021,rural,male,24,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2024,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Nigeria,2025,rural,male,16,15-24,lowest,1,1, PalmPay,5,300.89,"bill_payment,merchant_payment,cash_deposit",8,10,high_burden
Zambia,2021,urban,male,59,55+,lowest,1,1,MTN Mobile Money,15,392.85,"international_remittance,cash_deposit,airtime_purchase,loan_repayment,merchant_payment",9,3,high_burden
Mali,2024,rural,female,43,35-44,fourth,0,0,none,0,0.0,none,2,0,high_burden
DRC,2024,rural,male,51,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2023,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2023,urban,male,38,35-44,lowest,1,1,Orange Money,7,284.55,"cash_deposit,airtime_purchase",4,3,high_burden
Uganda,2019,rural,female,73,55+,highest,1,1,Airtel Money,8,39.18,"loan_repayment,cash_withdrawal,person_to_person,bill_payment",2,3,high_burden
Niger,2025,urban,male,63,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2018,rural,male,65,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2018,urban,female,48,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
DRC,2023,urban,male,69,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2020,rural,female,54,45-54,lowest,1,0,Airtel Money,0,0.0,none,7,10,high_burden
Nigeria,2022,urban,male,71,55+,middle,1,1,Paga,14,73.89,"merchant_payment,cash_withdrawal,cash_deposit,loan_repayment",10,6,high_burden
Rwanda,2022,rural,male,25,15-24,lowest,1,0,Airtel Money,0,0.0,none,10,2,high_burden
Niger,2019,rural,female,53,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2024,rural,male,32,25-34,middle,1,0,Wave,0,0.0,none,2,15,high_burden
Malawi,2021,rural,male,15,15-24,middle,1,1,TNM Mpamba,6,55.0,"international_remittance,person_to_person,bill_payment,airtime_purchase",9,11,high_burden
Nigeria,2019,urban,female,39,35-44,middle,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2018,rural,male,28,25-34,fourth,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2025,urban,male,53,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2024,rural,male,29,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2025,rural,male,60,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Mali,2021,rural,male,21,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2025,rural,female,20,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2019,rural,male,44,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2018,rural,female,60,55+,lowest,1,1,M-Pesa,5,36.55,"bill_payment,airtime_purchase,person_to_person",5,7,high_burden
Nigeria,2023,urban,male,32,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2018,urban,female,69,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Niger,2024,urban,male,63,55+,second,1,1,Airtel Money,14,94.26,"bill_payment,cash_withdrawal,person_to_person,international_remittance",10,11,high_burden
DRC,2022,urban,male,55,45-54,lowest,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2020,rural,male,53,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2024,rural,female,46,45-54,middle,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2018,rural,female,25,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2021,rural,female,54,45-54,highest,1,1,Airtel Money,7,68.51,"international_remittance,bill_payment,savings,person_to_person,merchant_payment",8,6,high_burden
Nigeria,2021,rural,male,34,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2019,urban,male,50,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2022,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2019,urban,male,49,45-54,lowest,1,1,Wari,12,180.57,"cash_deposit,bill_payment,merchant_payment,savings,airtime_purchase",6,11,high_burden
Niger,2022,rural,male,33,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2025,rural,female,19,15-24,middle,0,0,none,0,0.0,none,6,0,high_burden
Niger,2025,rural,male,34,25-34,lowest,1,1,Airtel Money,5,12.49,"person_to_person,loan_repayment",4,1,high_burden
Niger,2020,rural,male,29,25-34,second,1,1,Moov Money,8,134.49,"cash_withdrawal,merchant_payment,airtime_purchase,bill_payment,loan_repayment",5,11,high_burden
DRC,2018,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2018,rural,male,22,15-24,second,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2023,urban,male,56,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2020,rural,female,28,25-34,fourth,1,1,M-Pesa,7,59.53,"merchant_payment,loan_repayment,airtime_purchase,cash_deposit",5,6,high_burden
Ghana,2024,rural,female,27,25-34,highest,1,0,Vodafone Cash,0,0.0,none,5,12,high_burden
Rwanda,2021,rural,male,18,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,10,9,high_burden
DRC,2018,rural,male,56,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2025,rural,male,57,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
DRC,2023,urban,male,61,55+,lowest,1,1,M-Pesa,10,203.12,"international_remittance,person_to_person,airtime_purchase,cash_withdrawal,merchant_payment",4,4,high_burden
Tanzania,2023,rural,male,56,55+,second,1,0,Airtel Money,0,0.0,none,10,4,high_burden
DRC,2019,rural,female,38,35-44,fourth,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2021,rural,male,18,15-24,lowest,1,0,Airtel Money,0,0.0,none,4,10,high_burden
Kenya,2023,rural,male,69,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Ethiopia,2023,urban,female,45,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2021,rural,male,18,15-24,fourth,0,0,none,0,0.0,none,5,0,high_burden
Tanzania,2022,rural,female,55,45-54,second,1,0,Tigo Pesa,0,0.0,none,5,12,high_burden
Ethiopia,2018,rural,male,19,15-24,second,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2018,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2018,rural,male,38,35-44,lowest,1,1,TNM Mpamba,7,88.71,"cash_deposit,cash_withdrawal,international_remittance,bill_payment,loan_repayment",6,1,high_burden
South Africa,2018,rural,female,51,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Mali,2022,rural,male,68,55+,fourth,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2025,urban,female,28,25-34,second,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2020,urban,female,36,35-44,highest,1,1,Airtel Money,12,227.38,"international_remittance,bill_payment",3,9,high_burden
Kenya,2021,rural,female,39,35-44,lowest,1,0,M-Pesa,0,0.0,none,4,12,high_burden
Kenya,2018,rural,female,63,55+,highest,1,1,Airtel Money,7,94.76,"airtime_purchase,person_to_person,cash_withdrawal",2,7,high_burden
Ghana,2023,rural,male,49,45-54,middle,0,0,none,0,0.0,none,2,0,high_burden
DRC,2020,rural,male,64,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2022,rural,male,67,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2022,rural,female,68,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
DRC,2024,rural,female,34,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2019,rural,male,50,45-54,fourth,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2023,urban,male,70,55+,middle,1,0,telebirr,0,0.0,none,10,10,high_burden
Nigeria,2021,rural,female,36,35-44,second,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2021,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2022,rural,female,31,25-34,lowest,1,0,Vodafone Cash,0,0.0,none,7,13,high_burden
Malawi,2025,rural,male,63,55+,highest,1,1,TNM Mpamba,10,43.14,"cash_deposit,loan_repayment,merchant_payment",9,8,high_burden
Ghana,2023,urban,male,38,35-44,second,1,0,Vodafone Cash,0,0.0,none,9,2,high_burden
Senegal,2018,rural,male,52,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2025,urban,male,49,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,7,14,high_burden
Tanzania,2019,urban,male,59,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2019,rural,male,57,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2018,urban,male,39,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Niger,2021,rural,male,31,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2024,urban,female,42,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2018,rural,female,73,55+,fourth,1,0,Airtel Money,0,0.0,none,9,2,high_burden
Nigeria,2022,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2023,rural,female,67,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2025,rural,female,37,35-44,fourth,1,1,MTN Mobile Money,5,59.53,"savings,cash_withdrawal,cash_deposit",10,2,high_burden
Senegal,2022,urban,male,17,15-24,lowest,1,0,Orange Money,0,0.0,none,10,10,high_burden
Niger,2019,rural,female,53,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2020,rural,female,65,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2024,rural,female,61,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2024,rural,female,49,45-54,fourth,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2025,rural,male,71,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2024,rural,female,60,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2023,urban,female,28,25-34,second,1,1,Wari,9,106.06,"airtime_purchase,merchant_payment,person_to_person,cash_deposit",10,13,high_burden
Ethiopia,2025,rural,female,27,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2021,urban,male,17,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Mali,2023,rural,male,36,35-44,lowest,1,0,Orange Money,0,0.0,none,6,4,high_burden
Kenya,2025,urban,female,54,45-54,middle,1,0,Airtel Money,0,0.0,none,8,10,high_burden
South Africa,2019,rural,female,65,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2021,urban,male,33,25-34,second,1,1,telebirr,14,31.07,"person_to_person,airtime_purchase",10,11,high_burden
Ethiopia,2020,urban,female,20,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2021,rural,male,28,25-34,second,1,0,M-Birr,0,0.0,none,3,3,high_burden
Tanzania,2019,rural,male,33,25-34,middle,1,0,Tigo Pesa,0,0.0,none,7,7,high_burden
Malawi,2024,urban,male,32,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2020,urban,male,34,25-34,second,1,0,Airtel Money,0,0.0,none,5,8,high_burden
Senegal,2025,rural,female,21,15-24,highest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2020,urban,female,44,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2025,rural,female,34,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2018,rural,female,44,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Mali,2021,urban,female,22,15-24,highest,1,0,Moov Money,0,0.0,none,10,2,high_burden
Mali,2023,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2024,rural,female,59,55+,lowest,1,0,e-Mola,0,0.0,none,3,6,high_burden
Rwanda,2024,urban,male,51,45-54,middle,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2018,rural,male,43,35-44,fourth,1,1,M-Birr,12,39.78,"merchant_payment,bill_payment,cash_deposit,savings,airtime_purchase",4,7,high_burden
Zambia,2024,rural,male,58,55+,middle,1,0,Zamtel Kwacha,0,0.0,none,4,14,high_burden
Senegal,2021,urban,female,39,35-44,second,1,0,Wari,0,0.0,none,9,11,high_burden
Rwanda,2022,rural,female,43,35-44,lowest,1,0,Airtel Money,0,0.0,none,1,1,high_burden
Zambia,2019,rural,female,55,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2022,rural,male,26,25-34,middle,1,1,Orange Money,11,74.47,"airtime_purchase,bill_payment",9,11,high_burden
Zambia,2025,rural,male,31,25-34,middle,1,1,Airtel Money,9,70.71,"person_to_person,merchant_payment,cash_deposit,cash_withdrawal,international_remittance",5,2,high_burden
Ethiopia,2020,rural,male,24,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2018,rural,female,44,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Ghana,2023,rural,female,71,55+,second,1,1,AirtelTigo Money,9,90.87,"cash_deposit,international_remittance",9,11,high_burden
Tanzania,2018,urban,male,19,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2019,urban,female,66,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2024,rural,male,74,55+,lowest,1,1,MTN Mobile Money,6,36.59,"loan_repayment,person_to_person,cash_deposit,bill_payment",9,7,high_burden
Rwanda,2025,rural,female,42,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2021,urban,female,28,25-34,highest,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2024,urban,female,73,55+,middle,1,1,Vodafone Cash,9,109.15,"airtime_purchase,international_remittance",2,16,high_burden
Kenya,2025,rural,female,51,45-54,fourth,1,0,Airtel Money,0,0.0,none,1,7,high_burden
DRC,2018,urban,male,17,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2023,rural,male,54,45-54,middle,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2021,urban,female,64,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2020,rural,female,29,25-34,middle,1,0,Orange Money,0,0.0,none,6,5,high_burden
Ethiopia,2022,rural,male,67,55+,fourth,1,0,M-Birr,0,0.0,none,9,12,high_burden
Rwanda,2020,rural,female,74,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2019,rural,male,24,15-24,fourth,1,0,M-Pesa,0,0.0,none,3,4,high_burden
Rwanda,2019,rural,male,58,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,4,5,high_burden
Nigeria,2022,urban,male,19,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2021,urban,female,67,55+,middle,1,0,Airtel Money,0,0.0,none,6,5,high_burden
Senegal,2024,rural,female,59,55+,lowest,1,0,Wave,0,0.0,none,2,10,high_burden
Rwanda,2019,rural,male,73,55+,fourth,1,0,Airtel Money,0,0.0,none,7,1,high_burden
Kenya,2019,urban,male,34,25-34,second,1,0,M-Pesa,0,0.0,none,10,4,high_burden
Nigeria,2021,rural,male,57,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Mali,2024,rural,female,52,45-54,middle,1,0,Moov Money,0,0.0,none,5,13,high_burden
Uganda,2023,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2023,rural,female,63,55+,highest,1,0,M-Pesa,0,0.0,none,4,5,high_burden
Rwanda,2022,rural,male,51,45-54,middle,1,0,Airtel Money,0,0.0,none,3,1,high_burden
Nigeria,2022,rural,female,64,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2022,rural,female,67,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2023,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Niger,2019,rural,female,23,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2025,rural,male,50,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2018,rural,male,59,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2018,rural,female,27,25-34,second,1,0,Tigo Pesa,0,0.0,none,8,7,high_burden
Ghana,2023,rural,male,71,55+,highest,1,0,AirtelTigo Money,0,0.0,none,6,5,high_burden
Nigeria,2020,urban,female,21,15-24,fourth,1,0, PalmPay,0,0.0,none,10,9,high_burden
DRC,2023,urban,female,72,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Niger,2024,urban,female,61,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Kenya,2022,rural,female,32,25-34,fourth,1,1,M-Pesa,8,158.56,"bill_payment,cash_withdrawal",6,10,high_burden
Ethiopia,2023,rural,male,22,15-24,highest,1,0,telebirr,0,0.0,none,5,15,high_burden
Zambia,2022,rural,male,30,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2020,rural,male,51,45-54,second,0,0,none,0,0.0,none,1,0,high_burden
Niger,2023,urban,female,40,35-44,fourth,0,0,none,0,0.0,none,6,0,high_burden
Niger,2019,rural,female,22,15-24,fourth,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2023,rural,female,71,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2025,rural,female,45,35-44,middle,1,1,Orange Money,4,38.02,"airtime_purchase,merchant_payment,international_remittance,loan_repayment,bill_payment",2,8,high_burden
DRC,2019,rural,female,15,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2022,rural,female,63,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2020,urban,female,71,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Mali,2020,urban,female,47,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2023,urban,female,33,25-34,lowest,1,1,TNM Mpamba,8,60.88,"international_remittance,cash_withdrawal",7,10,high_burden
Niger,2020,urban,female,69,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
DRC,2023,urban,male,20,15-24,fourth,1,1,Orange Money,18,151.69,"international_remittance,savings,person_to_person",8,1,high_burden
Kenya,2025,rural,male,64,55+,second,1,0,Airtel Money,0,0.0,none,7,14,high_burden
Ethiopia,2021,rural,female,61,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2022,rural,male,65,55+,fourth,1,0,Vodafone Cash,0,0.0,none,4,13,high_burden
Niger,2025,rural,male,47,45-54,lowest,1,0,Airtel Money,0,0.0,none,7,3,high_burden
South Africa,2020,rural,female,35,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
Niger,2019,urban,male,21,15-24,middle,0,0,none,0,0.0,none,3,0,high_burden
DRC,2021,rural,female,45,35-44,lowest,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2021,rural,male,43,35-44,second,1,0,Zamtel Kwacha,0,0.0,none,1,5,high_burden
Senegal,2023,urban,female,44,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2025,rural,female,72,55+,middle,1,0,Moov Money,0,0.0,none,4,15,high_burden
Malawi,2019,rural,male,17,15-24,highest,1,0,TNM Mpamba,0,0.0,none,2,4,high_burden
Mozambique,2020,rural,male,67,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2021,urban,female,49,45-54,fourth,1,0,M-Pesa,0,0.0,none,9,9,high_burden
Niger,2019,urban,male,74,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2025,rural,female,57,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2025,urban,female,62,55+,second,1,1,MTN Mobile Money,10,99.1,"savings,bill_payment,person_to_person,cash_withdrawal",10,15,high_burden
Uganda,2019,rural,female,41,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2019,rural,female,25,15-24,middle,1,1,Airtel Money,11,73.77,"cash_deposit,loan_repayment,bill_payment,savings,person_to_person",10,8,high_burden
Tanzania,2024,rural,male,60,55+,fourth,1,1,M-Pesa,7,60.25,"cash_deposit,cash_withdrawal,merchant_payment,person_to_person,bill_payment",4,2,high_burden
Mali,2023,urban,male,22,15-24,highest,1,0,Orange Money,0,0.0,none,10,5,high_burden
Malawi,2023,rural,male,48,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Mali,2020,urban,female,37,35-44,middle,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2019,urban,male,54,45-54,middle,1,0,FNB eWallet,0,0.0,none,7,3,high_burden
Senegal,2021,urban,female,21,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
DRC,2020,rural,female,62,55+,middle,1,1,Orange Money,10,59.17,"international_remittance,loan_repayment,cash_deposit",3,11,high_burden
Tanzania,2021,urban,male,54,45-54,lowest,1,0,Airtel Money,0,0.0,none,3,4,high_burden
Zambia,2019,urban,female,55,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Mali,2018,urban,male,69,55+,lowest,1,1,Orange Money,14,156.57,"savings,loan_repayment,airtime_purchase,international_remittance,merchant_payment",7,10,high_burden
South Africa,2025,rural,male,31,25-34,fourth,1,0,FNB eWallet,0,0.0,none,8,16,high_burden
Malawi,2021,rural,female,54,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
DRC,2019,rural,female,73,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2021,urban,female,23,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2022,rural,male,25,15-24,middle,1,0,M-Pesa,0,0.0,none,9,10,high_burden
Nigeria,2020,rural,male,41,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
Mali,2024,rural,female,41,35-44,fourth,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2025,urban,female,40,35-44,second,1,1,M-Birr,14,143.2,"international_remittance,cash_withdrawal",8,13,high_burden
Niger,2025,urban,male,53,45-54,second,1,1,Moov Money,15,175.16,"loan_repayment,savings,airtime_purchase,bill_payment,person_to_person",10,7,high_burden
Uganda,2021,urban,female,46,45-54,fourth,1,1,Airtel Money,9,48.4,"merchant_payment,cash_withdrawal,bill_payment,person_to_person",2,5,high_burden
Ethiopia,2018,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2024,rural,male,72,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2018,urban,male,52,45-54,highest,1,0,Airtel Money,0,0.0,none,9,8,high_burden
Zambia,2019,urban,male,55,45-54,second,1,0,Zamtel Kwacha,0,0.0,none,10,5,high_burden
Tanzania,2023,urban,female,35,25-34,second,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2023,urban,female,48,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2020,urban,female,67,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Niger,2023,rural,male,68,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2019,rural,male,51,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Niger,2019,rural,male,62,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Zambia,2020,urban,female,66,55+,middle,1,1,Airtel Money,15,89.55,"merchant_payment,airtime_purchase,loan_repayment,international_remittance,savings",8,8,high_burden
Zambia,2020,rural,female,66,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2021,rural,female,70,55+,middle,1,1,Airtel Money,8,58.14,"savings,cash_deposit,airtime_purchase,person_to_person,bill_payment",8,4,high_burden
South Africa,2022,rural,male,65,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2023,urban,male,35,25-34,fourth,1,1,Tigo Pesa,5,115.53,"cash_deposit,person_to_person",4,13,high_burden
Kenya,2021,urban,male,66,55+,highest,1,1,M-Pesa,10,116.82,"loan_repayment,merchant_payment,person_to_person,airtime_purchase,cash_withdrawal",8,8,high_burden
Ethiopia,2025,urban,male,69,55+,lowest,1,0,M-Birr,0,0.0,none,7,13,high_burden
Malawi,2019,rural,female,26,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2021,urban,female,43,35-44,lowest,1,1,M-Pesa,15,88.64,"loan_repayment,merchant_payment,international_remittance,person_to_person,bill_payment",10,4,high_burden
Rwanda,2022,urban,male,41,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2024,rural,female,53,45-54,middle,1,1, PalmPay,8,20.53,"international_remittance,airtime_purchase,person_to_person,cash_withdrawal",10,8,high_burden
Uganda,2019,rural,female,58,55+,middle,1,0,MTN Mobile Money,0,0.0,none,7,9,high_burden
Tanzania,2022,rural,female,68,55+,second,1,1,M-Pesa,11,95.56,"airtime_purchase,bill_payment,cash_withdrawal",5,11,high_burden
DRC,2022,rural,male,41,35-44,second,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2025,rural,female,56,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2021,rural,male,28,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2019,rural,male,37,35-44,lowest,1,1,Airtel Money,9,54.83,"bill_payment,international_remittance",3,10,high_burden
Mozambique,2020,urban,male,27,25-34,highest,1,1,e-Mola,11,126.11,"cash_withdrawal,merchant_payment,loan_repayment,cash_deposit,international_remittance",10,2,high_burden
Malawi,2024,rural,female,25,15-24,fourth,0,0,none,0,0.0,none,4,0,high_burden
Mali,2023,rural,male,34,25-34,middle,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2025,urban,female,60,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2025,urban,female,51,45-54,highest,0,0,none,0,0.0,none,7,0,high_burden
Mali,2022,urban,male,40,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2023,urban,female,45,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2024,urban,male,28,25-34,second,1,1,OPay,11,74.11,"cash_deposit,person_to_person",7,9,high_burden
Mali,2022,rural,female,63,55+,middle,1,0,Orange Money,0,0.0,none,2,7,high_burden
Uganda,2019,rural,male,31,25-34,second,1,0,MTN Mobile Money,0,0.0,none,9,7,high_burden
Malawi,2022,rural,female,45,35-44,middle,1,1,TNM Mpamba,10,44.5,"savings,airtime_purchase",5,12,high_burden
Tanzania,2019,urban,male,17,15-24,second,1,0,M-Pesa,0,0.0,none,9,2,high_burden
Uganda,2022,urban,female,65,55+,middle,1,1,MTN Mobile Money,9,168.63,"airtime_purchase,person_to_person",10,1,high_burden
Rwanda,2023,urban,female,33,25-34,fourth,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2022,rural,female,43,35-44,fourth,1,1,M-Pesa,7,75.15,"cash_withdrawal,airtime_purchase,merchant_payment",7,6,high_burden
Uganda,2020,urban,female,20,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2022,rural,male,19,15-24,middle,1,0,Orange Money,0,0.0,none,7,11,high_burden
Ethiopia,2018,urban,male,31,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2018,rural,male,43,35-44,second,1,1,Airtel Money,10,62.13,"merchant_payment,airtime_purchase,international_remittance",6,2,high_burden
Nigeria,2021,urban,female,26,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2023,rural,male,16,15-24,highest,1,0,M-Birr,0,0.0,none,8,8,high_burden
Mali,2023,rural,female,63,55+,highest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2022,rural,female,15,15-24,second,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2024,urban,male,62,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Niger,2019,rural,female,72,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Rwanda,2019,urban,male,16,15-24,second,1,1,Airtel Money,8,105.37,"airtime_purchase,bill_payment,cash_deposit",10,2,high_burden
Kenya,2025,rural,female,27,25-34,lowest,1,0,M-Pesa,0,0.0,none,5,3,high_burden
Niger,2018,rural,male,60,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2021,rural,female,73,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2023,rural,female,39,35-44,fourth,0,0,none,0,0.0,none,1,0,high_burden
Mali,2025,urban,male,30,25-34,second,1,0,Orange Money,0,0.0,none,5,9,high_burden
Tanzania,2021,rural,male,24,15-24,fourth,1,0,Airtel Money,0,0.0,none,5,10,high_burden
Ethiopia,2018,rural,male,51,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2023,rural,male,30,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2021,urban,male,42,35-44,fourth,0,0,none,0,0.0,none,6,0,high_burden
Zambia,2019,urban,female,74,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Niger,2019,urban,female,63,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2019,rural,male,65,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2023,urban,male,71,55+,middle,1,1,Airtel Money,14,85.44,"cash_withdrawal,international_remittance,airtime_purchase,cash_deposit",8,6,high_burden
Uganda,2024,rural,female,29,25-34,second,1,1,MTN Mobile Money,5,83.52,"person_to_person,savings",3,4,high_burden
Rwanda,2019,urban,female,45,35-44,middle,1,1,MTN Mobile Money,6,172.61,"cash_withdrawal,cash_deposit,savings",4,4,high_burden
Ghana,2025,rural,female,65,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2020,rural,female,38,35-44,middle,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2021,rural,male,37,35-44,fourth,1,0,TNM Mpamba,0,0.0,none,4,3,high_burden
Malawi,2025,rural,male,73,55+,fourth,1,1,Airtel Money,8,54.28,"cash_withdrawal,bill_payment",9,7,high_burden
Tanzania,2020,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2023,rural,female,58,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2020,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2020,urban,female,74,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Kenya,2019,urban,female,74,55+,fourth,1,1,M-Pesa,9,117.31,"international_remittance,savings,loan_repayment",10,4,high_burden
South Africa,2019,urban,female,59,55+,second,1,0,Vodapay,0,0.0,none,2,7,high_burden
Malawi,2024,rural,female,72,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2020,rural,male,48,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2023,rural,male,56,55+,highest,1,1,Orange Money,8,43.02,"merchant_payment,person_to_person,bill_payment",5,1,high_burden
Tanzania,2018,rural,female,67,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2022,rural,male,17,15-24,highest,1,0,Airtel Money,0,0.0,none,5,9,high_burden
Uganda,2021,rural,male,45,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Zambia,2018,urban,male,15,15-24,second,1,1,MTN Mobile Money,9,109.54,"cash_deposit,loan_repayment",10,3,high_burden
Mozambique,2019,rural,female,74,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2025,rural,male,15,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2020,rural,female,19,15-24,second,1,1,Airtel Money,6,62.61,"savings,bill_payment",5,1,high_burden
Kenya,2019,rural,male,66,55+,fourth,1,0,Airtel Money,0,0.0,none,3,9,high_burden
Senegal,2020,rural,female,69,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2021,rural,female,68,55+,second,1,0,Airtel Money,0,0.0,none,9,3,high_burden
Uganda,2022,rural,female,55,45-54,fourth,1,0,Airtel Money,0,0.0,none,4,5,high_burden
Uganda,2020,urban,female,69,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2024,urban,female,47,45-54,fourth,1,0,M-Pesa,0,0.0,none,8,12,high_burden
Zambia,2018,urban,female,33,25-34,lowest,1,1,MTN Mobile Money,11,37.83,"airtime_purchase,cash_withdrawal,merchant_payment,loan_repayment",7,9,high_burden
Malawi,2021,urban,male,26,25-34,highest,1,0,Airtel Money,0,0.0,none,10,11,high_burden
Kenya,2018,urban,male,19,15-24,lowest,1,1,Airtel Money,10,62.12,"person_to_person,cash_deposit,loan_repayment,merchant_payment,bill_payment",10,10,high_burden
Ethiopia,2019,urban,male,26,25-34,middle,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2022,urban,male,40,35-44,middle,1,0,M-Pesa,0,0.0,none,10,12,high_burden
South Africa,2021,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Ghana,2021,urban,male,16,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2022,urban,female,20,15-24,fourth,1,0,Airtel Money,0,0.0,none,4,5,high_burden
South Africa,2020,urban,female,15,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
DRC,2020,rural,male,61,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2022,rural,male,62,55+,highest,1,1,FNB eWallet,11,72.4,"bill_payment,cash_deposit",3,3,high_burden
Niger,2020,rural,male,60,55+,highest,1,1,Airtel Money,13,47.9,"bill_payment,international_remittance,merchant_payment,cash_deposit,cash_withdrawal",10,6,high_burden
South Africa,2020,rural,male,19,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2019,rural,male,52,45-54,highest,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2021,urban,female,49,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2021,urban,female,69,55+,second,1,0,Airtel Money,0,0.0,none,10,5,high_burden
Nigeria,2021,rural,male,67,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2021,rural,female,16,15-24,highest,1,1,M-Pesa,8,58.34,"loan_repayment,person_to_person,merchant_payment,airtime_purchase,bill_payment",10,7,high_burden
Malawi,2019,rural,female,16,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2022,urban,male,18,15-24,lowest,1,0,M-Pesa,0,0.0,none,5,9,high_burden
Uganda,2023,rural,male,15,15-24,lowest,1,1,MTN Mobile Money,6,46.71,"cash_withdrawal,loan_repayment",3,13,high_burden
Niger,2025,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Niger,2022,rural,female,33,25-34,middle,1,1,Moov Money,9,63.62,"bill_payment,savings",8,2,high_burden
Zambia,2022,urban,female,54,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,8,4,high_burden
Senegal,2023,rural,male,48,45-54,middle,1,0,Orange Money,0,0.0,none,3,2,high_burden
Senegal,2020,rural,male,57,55+,fourth,1,1,Wave,8,32.89,"merchant_payment,savings,bill_payment,airtime_purchase,person_to_person",4,4,high_burden
Kenya,2020,urban,male,72,55+,highest,1,1,Airtel Money,10,128.74,"cash_withdrawal,person_to_person,bill_payment",9,3,high_burden
Mozambique,2019,rural,female,16,15-24,highest,1,0,M-Pesa,0,0.0,none,3,3,high_burden
Mozambique,2023,urban,male,59,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2022,rural,female,69,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2025,rural,female,34,25-34,second,1,1,M-Pesa,13,74.53,"airtime_purchase,savings,merchant_payment",4,1,high_burden
Uganda,2022,rural,female,23,15-24,middle,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2018,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2024,rural,male,36,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2021,rural,male,66,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2018,rural,female,56,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Niger,2025,rural,male,48,45-54,middle,1,0,Airtel Money,0,0.0,none,9,3,high_burden
South Africa,2023,rural,female,15,15-24,fourth,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2023,rural,male,74,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2025,urban,female,30,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2024,urban,female,66,55+,fourth,1,0,Tigo Pesa,0,0.0,none,3,2,high_burden
Kenya,2025,urban,male,19,15-24,fourth,1,0,M-Pesa,0,0.0,none,10,7,high_burden
Tanzania,2020,urban,female,29,25-34,middle,1,1,M-Pesa,8,65.77,"cash_deposit,merchant_payment,cash_withdrawal",10,12,high_burden
Mali,2018,rural,female,37,35-44,highest,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2018,rural,male,40,35-44,highest,1,1,Airtel Money,8,96.43,"airtime_purchase,savings,loan_repayment,international_remittance",5,2,high_burden
Tanzania,2018,rural,female,46,45-54,lowest,1,0,M-Pesa,0,0.0,none,6,8,high_burden
South Africa,2019,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2024,rural,male,74,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2022,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2021,rural,female,43,35-44,highest,1,0,TNM Mpamba,0,0.0,none,4,3,high_burden
Kenya,2021,urban,male,67,55+,second,1,0,M-Pesa,0,0.0,none,9,4,high_burden
Malawi,2018,rural,female,54,45-54,highest,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2019,rural,male,45,35-44,highest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2023,urban,male,70,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2025,rural,female,72,55+,lowest,0,0,none,0,0.0,none,6,0,high_burden
DRC,2018,urban,female,69,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2018,urban,female,55,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2022,urban,male,22,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2022,rural,male,67,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2024,rural,male,73,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2020,urban,male,22,15-24,fourth,1,1,Airtel Money,11,99.31,"person_to_person,cash_deposit,airtime_purchase",3,3,high_burden
Uganda,2023,urban,male,63,55+,second,1,1,Airtel Money,13,83.02,"person_to_person,cash_withdrawal,international_remittance",5,5,high_burden
Tanzania,2022,urban,male,26,25-34,second,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2022,urban,male,54,45-54,fourth,1,1,MTN Mobile Money,13,209.92,"loan_repayment,person_to_person,bill_payment,cash_withdrawal,airtime_purchase",7,4,high_burden
Mali,2025,urban,male,22,15-24,middle,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2021,urban,male,44,35-44,second,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2022,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2025,rural,female,63,55+,highest,1,0,Airtel Money,0,0.0,none,10,17,high_burden
Nigeria,2020,rural,male,64,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Niger,2023,rural,male,18,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Mali,2023,urban,female,17,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2025,rural,female,38,35-44,second,1,0,Airtel Money,0,0.0,none,10,1,high_burden
Uganda,2020,rural,female,16,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,4,12,high_burden
Uganda,2025,rural,male,22,15-24,second,1,0,MTN Mobile Money,0,0.0,none,7,4,high_burden
Kenya,2018,urban,male,65,55+,middle,1,0,Airtel Money,0,0.0,none,10,1,high_burden
Kenya,2018,rural,female,58,55+,highest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2020,urban,male,51,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2025,rural,female,53,45-54,middle,1,1,Orange Money,5,55.98,"savings,cash_withdrawal,international_remittance,cash_deposit,person_to_person",1,10,high_burden
Zambia,2022,rural,male,51,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,3,6,high_burden
Mali,2025,urban,male,73,55+,lowest,1,1,Orange Money,9,75.93,"airtime_purchase,international_remittance,cash_deposit",2,14,high_burden
Kenya,2019,rural,male,17,15-24,middle,1,1,M-Pesa,7,62.09,"bill_payment,cash_deposit,cash_withdrawal,merchant_payment",10,3,high_burden
Ghana,2025,rural,female,15,15-24,middle,1,0,Vodafone Cash,0,0.0,none,3,13,high_burden
Mozambique,2020,urban,female,68,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2025,urban,female,33,25-34,lowest,1,1,M-Pesa,8,86.74,"merchant_payment,person_to_person",3,6,high_burden
Mozambique,2023,urban,female,15,15-24,middle,1,1,M-Pesa,8,75.21,"person_to_person,savings",7,9,high_burden
DRC,2022,urban,female,42,35-44,middle,1,0,M-Pesa,0,0.0,none,6,10,high_burden
Uganda,2020,rural,female,41,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,9,4,high_burden
Mali,2022,rural,female,73,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2022,urban,male,48,45-54,second,1,0,AirtelTigo Money,0,0.0,none,10,5,high_burden
Malawi,2024,rural,male,21,15-24,fourth,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2018,rural,male,30,25-34,fourth,0,0,none,0,0.0,none,6,0,high_burden
DRC,2023,rural,female,39,35-44,second,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2021,rural,male,15,15-24,fourth,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2018,rural,female,42,35-44,lowest,0,0,none,0,0.0,none,1,0,high_burden
DRC,2025,rural,male,68,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2018,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2025,rural,female,45,35-44,middle,1,0,Zamtel Kwacha,0,0.0,none,1,11,high_burden
Niger,2024,rural,male,57,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
DRC,2021,urban,male,29,25-34,second,1,1,M-Pesa,12,41.21,"cash_deposit,person_to_person,cash_withdrawal",3,11,high_burden
Rwanda,2023,urban,male,22,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,6,12,high_burden
Kenya,2019,urban,female,39,35-44,fourth,1,1,Airtel Money,18,129.05,"cash_withdrawal,merchant_payment,international_remittance,cash_deposit",3,1,high_burden
Ethiopia,2025,rural,male,34,25-34,highest,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2025,rural,female,42,35-44,lowest,1,1,MTN Mobile Money,3,218.45,"person_to_person,savings,merchant_payment,airtime_purchase",5,14,high_burden
Niger,2022,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2021,urban,female,60,55+,second,1,0,Orange Money,0,0.0,none,2,5,high_burden
Nigeria,2020,urban,male,18,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2025,rural,male,65,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2018,urban,female,15,15-24,highest,1,0,Airtel Money,0,0.0,none,9,7,high_burden
Rwanda,2019,rural,male,62,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Tanzania,2019,rural,female,37,35-44,highest,1,1,Airtel Money,10,101.46,"merchant_payment,savings,cash_deposit,loan_repayment",4,4,high_burden
Ethiopia,2018,urban,female,46,45-54,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2018,rural,female,48,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Mali,2021,rural,male,37,35-44,middle,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2023,urban,female,63,55+,highest,1,1,Airtel Money,5,250.03,"airtime_purchase,merchant_payment,international_remittance",9,10,high_burden
Uganda,2021,rural,female,40,35-44,highest,1,1,MTN Mobile Money,15,172.2,"bill_payment,savings,person_to_person,international_remittance",4,9,high_burden
Mali,2023,rural,female,33,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2023,rural,female,66,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2024,urban,female,59,55+,highest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2022,urban,male,53,45-54,middle,1,1,M-Pesa,10,59.31,"airtime_purchase,international_remittance,merchant_payment,savings",9,3,high_burden
South Africa,2018,rural,female,62,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
DRC,2020,urban,female,22,15-24,fourth,1,1,M-Pesa,15,46.34,"savings,bill_payment",3,10,high_burden
Mozambique,2022,urban,male,57,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2022,urban,female,71,55+,highest,1,0,Wave,0,0.0,none,6,3,high_burden
Tanzania,2018,rural,male,69,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2025,rural,male,33,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
Kenya,2018,urban,male,72,55+,fourth,1,1,M-Pesa,16,59.49,"cash_deposit,loan_repayment,savings",5,2,high_burden
Ethiopia,2023,rural,male,63,55+,second,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2019,urban,male,69,55+,fourth,0,0,none,0,0.0,none,9,0,high_burden
DRC,2020,urban,male,51,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2020,urban,male,27,25-34,highest,1,0,Tigo Pesa,0,0.0,none,10,2,high_burden
South Africa,2018,rural,female,50,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2022,urban,male,69,55+,middle,1,0,Airtel Money,0,0.0,none,7,3,high_burden
Ghana,2023,urban,female,59,55+,highest,1,0,Vodafone Cash,0,0.0,none,7,2,high_burden
Uganda,2024,urban,female,54,45-54,middle,1,1,Airtel Money,13,70.66,"person_to_person,merchant_payment,loan_repayment,cash_withdrawal",8,11,high_burden
Ghana,2025,rural,female,71,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2019,rural,female,59,55+,second,1,0,MTN Mobile Money,0,0.0,none,8,9,high_burden
South Africa,2025,urban,female,68,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Mali,2021,urban,female,47,45-54,fourth,1,1,Moov Money,10,61.83,"loan_repayment,merchant_payment,cash_deposit,person_to_person",7,6,high_burden
South Africa,2025,urban,female,29,25-34,lowest,1,0,Vodapay,0,0.0,none,10,7,high_burden
Nigeria,2019,urban,female,71,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2018,urban,male,68,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2023,urban,male,22,15-24,fourth,1,0,Tigo Pesa,0,0.0,none,10,15,high_burden
South Africa,2021,rural,male,37,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,7,3,high_burden
Zambia,2025,urban,female,62,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2023,rural,male,70,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2023,rural,male,65,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Malawi,2025,urban,male,67,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2021,urban,female,28,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,9,3,high_burden
Uganda,2024,rural,male,33,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,3,9,high_burden
DRC,2021,urban,male,27,25-34,second,1,1,Orange Money,7,70.13,"savings,international_remittance,loan_repayment,merchant_payment",9,8,high_burden
Uganda,2019,rural,female,69,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2018,rural,male,36,35-44,middle,0,0,none,0,0.0,none,3,0,high_burden
Mozambique,2020,rural,male,51,45-54,middle,1,0,M-Pesa,0,0.0,none,7,12,high_burden
Rwanda,2018,rural,male,32,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,6,4,high_burden
Mozambique,2025,urban,female,52,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
Mali,2019,urban,female,36,35-44,highest,1,1,Moov Money,15,59.87,"international_remittance,loan_repayment,person_to_person,bill_payment",10,10,high_burden
Zambia,2020,rural,female,74,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2021,rural,male,34,25-34,fourth,0,0,none,0,0.0,none,2,0,high_burden
Niger,2024,rural,male,21,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Uganda,2025,urban,male,64,55+,highest,1,0,MTN Mobile Money,0,0.0,none,4,8,high_burden
Kenya,2018,urban,male,34,25-34,fourth,1,0,Airtel Money,0,0.0,none,9,3,high_burden
DRC,2021,rural,female,64,55+,fourth,1,0,Airtel Money,0,0.0,none,6,13,high_burden
Kenya,2019,rural,female,36,35-44,highest,1,1,M-Pesa,7,52.48,"savings,person_to_person",3,5,high_burden
Nigeria,2019,urban,male,22,15-24,fourth,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2022,rural,female,46,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Niger,2025,rural,female,62,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2019,rural,female,29,25-34,lowest,1,1,Airtel Money,2,150.78,"cash_withdrawal,international_remittance",3,3,high_burden
South Africa,2019,rural,male,23,15-24,fourth,1,0,Vodapay,0,0.0,none,4,2,high_burden
Malawi,2024,rural,female,51,45-54,highest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2018,rural,female,30,25-34,lowest,1,0,TNM Mpamba,0,0.0,none,8,10,high_burden
Mozambique,2020,rural,male,39,35-44,lowest,1,0,e-Mola,0,0.0,none,6,4,high_burden
Nigeria,2023,urban,female,36,35-44,second,1,0,Paga,0,0.0,none,6,13,high_burden
Ethiopia,2020,rural,male,18,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2021,rural,male,32,25-34,lowest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2024,rural,female,64,55+,middle,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2018,rural,female,34,25-34,second,1,1,M-Pesa,7,107.15,"international_remittance,bill_payment,loan_repayment,merchant_payment",3,2,high_burden
Niger,2020,rural,female,16,15-24,highest,1,0,Airtel Money,0,0.0,none,6,5,high_burden
Ghana,2025,rural,male,65,55+,second,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2019,urban,male,39,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2021,urban,female,73,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ethiopia,2023,rural,male,23,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2021,rural,female,35,25-34,highest,1,0,M-Pesa,0,0.0,none,8,8,high_burden
Mali,2021,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
South Africa,2018,urban,female,59,55+,middle,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2024,rural,male,36,35-44,fourth,1,1,Airtel Money,6,78.21,"loan_repayment,cash_deposit,person_to_person",4,13,high_burden
Ghana,2024,rural,female,32,25-34,middle,1,0,AirtelTigo Money,0,0.0,none,3,3,high_burden
Tanzania,2023,urban,female,19,15-24,lowest,1,1,M-Pesa,10,87.58,"merchant_payment,person_to_person",10,12,high_burden
Niger,2023,rural,male,30,25-34,fourth,1,1,Moov Money,8,100.76,"person_to_person,merchant_payment",6,7,high_burden
Kenya,2018,urban,male,33,25-34,lowest,1,0,M-Pesa,0,0.0,none,10,8,high_burden
Kenya,2020,rural,male,62,55+,second,1,0,Airtel Money,0,0.0,none,6,12,high_burden
Ghana,2022,urban,male,48,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2019,rural,female,65,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2025,urban,male,47,45-54,highest,1,1,M-Pesa,16,53.2,"savings,international_remittance",9,9,high_burden
Ethiopia,2025,rural,male,45,35-44,second,1,0,M-Birr,0,0.0,none,4,11,high_burden
Uganda,2019,rural,female,50,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,1,7,high_burden
Ethiopia,2020,rural,male,71,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2019,urban,female,45,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Mali,2024,urban,male,51,45-54,second,1,1,Moov Money,13,97.35,"cash_withdrawal,savings,airtime_purchase,cash_deposit",10,4,high_burden
DRC,2019,rural,male,23,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2018,urban,female,51,45-54,highest,1,1,M-Pesa,12,203.95,"person_to_person,loan_repayment",7,6,high_burden
Niger,2018,rural,female,42,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2025,rural,male,24,15-24,middle,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2021,rural,male,44,35-44,lowest,0,0,none,0,0.0,none,1,0,high_burden
Uganda,2018,urban,female,50,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2021,urban,female,55,45-54,second,1,0,Wari,0,0.0,none,2,10,high_burden
Uganda,2021,urban,female,54,45-54,highest,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2025,rural,female,52,45-54,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mali,2019,urban,female,17,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2020,rural,male,56,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2025,rural,female,32,25-34,lowest,1,1,Airtel Money,6,53.4,"person_to_person,savings,cash_deposit,cash_withdrawal",4,13,high_burden
Mali,2022,urban,male,46,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Mali,2023,urban,male,15,15-24,middle,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2023,rural,female,65,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Uganda,2019,rural,female,66,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2020,rural,male,19,15-24,highest,1,1, PalmPay,10,37.47,"loan_repayment,bill_payment,cash_withdrawal",10,1,high_burden
Ghana,2022,rural,female,74,55+,fourth,1,0,Vodafone Cash,0,0.0,none,9,12,high_burden
Ethiopia,2021,rural,female,46,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
DRC,2022,rural,male,39,35-44,highest,1,1,Airtel Money,3,74.85,"international_remittance,cash_withdrawal,loan_repayment,bill_payment",7,7,high_burden
Ghana,2021,rural,male,45,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,10,11,high_burden
South Africa,2025,urban,female,71,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2024,rural,female,60,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2018,rural,male,38,35-44,middle,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2019,urban,male,40,35-44,highest,1,1,M-Pesa,11,55.81,"cash_deposit,bill_payment,savings,loan_repayment",7,1,high_burden
Mali,2019,rural,female,39,35-44,middle,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2019,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2020,urban,male,36,35-44,fourth,1,1,Vodafone Cash,15,343.34,"savings,airtime_purchase,loan_repayment,person_to_person,cash_withdrawal",9,1,high_burden
Nigeria,2024,rural,female,54,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2019,urban,female,64,55+,second,1,0,MTN Mobile Money,0,0.0,none,10,4,high_burden
Senegal,2020,rural,male,72,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2023,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2018,rural,male,29,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2021,urban,female,41,35-44,fourth,1,1,M-Birr,10,129.69,"bill_payment,savings,loan_repayment,merchant_payment",7,6,high_burden
Mali,2023,rural,female,30,25-34,fourth,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2023,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2023,urban,female,33,25-34,fourth,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2018,rural,male,45,35-44,middle,0,0,none,0,0.0,none,5,0,high_burden
Uganda,2023,urban,male,21,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2018,urban,female,60,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2021,rural,female,42,35-44,second,0,0,none,0,0.0,none,9,0,high_burden
Mali,2018,urban,female,68,55+,second,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2025,rural,male,35,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2020,rural,female,70,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2021,rural,female,20,15-24,second,1,0,Paga,0,0.0,none,10,4,high_burden
Mali,2023,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2020,rural,female,52,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
Niger,2025,rural,male,37,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2018,rural,male,43,35-44,highest,1,1,M-Pesa,9,122.06,"savings,cash_withdrawal,international_remittance,airtime_purchase,merchant_payment",10,3,high_burden
Senegal,2024,urban,male,27,25-34,middle,1,0,Orange Money,0,0.0,none,3,5,high_burden
Niger,2022,urban,male,71,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2018,rural,female,36,35-44,middle,0,0,none,0,0.0,none,6,0,high_burden
DRC,2020,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2019,urban,female,30,25-34,middle,1,1,e-Mola,12,95.27,"bill_payment,person_to_person,savings",8,11,high_burden
South Africa,2019,rural,female,29,25-34,lowest,1,1,Vodapay,4,44.79,"cash_withdrawal,cash_deposit,international_remittance",8,9,high_burden
Malawi,2023,rural,female,55,45-54,highest,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2020,rural,female,41,35-44,fourth,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2024,urban,male,58,55+,second,1,1,MTN Mobile Money,19,40.58,"savings,person_to_person,international_remittance,loan_repayment",10,10,high_burden
Rwanda,2019,rural,female,58,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
Niger,2019,rural,male,64,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2020,rural,male,49,45-54,middle,0,0,none,0,0.0,none,8,0,high_burden
Nigeria,2018,rural,male,49,45-54,lowest,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2021,urban,male,73,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2020,urban,female,26,25-34,highest,1,0,Airtel Money,0,0.0,none,10,7,high_burden
Nigeria,2022,rural,male,54,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2024,urban,male,45,35-44,second,1,0,M-Birr,0,0.0,none,9,11,high_burden
Malawi,2024,urban,female,49,45-54,lowest,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2019,urban,female,37,35-44,second,0,0,none,0,0.0,none,8,0,high_burden
DRC,2018,rural,female,74,55+,fourth,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2020,rural,male,63,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2022,urban,female,38,35-44,middle,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2019,rural,female,47,45-54,middle,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2022,urban,male,58,55+,highest,1,1,Airtel Money,14,70.24,"bill_payment,merchant_payment",5,10,high_burden
Zambia,2025,rural,male,63,55+,middle,1,0,MTN Mobile Money,0,0.0,none,9,16,high_burden
South Africa,2021,rural,female,73,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2018,urban,male,20,15-24,second,1,0,Tigo Pesa,0,0.0,none,6,10,high_burden
Ethiopia,2022,urban,male,53,45-54,lowest,0,0,none,0,0.0,none,9,0,high_burden
Niger,2021,urban,male,66,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2021,urban,male,43,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,7,2,high_burden
Mali,2024,rural,male,28,25-34,fourth,0,0,none,0,0.0,none,2,0,high_burden
Kenya,2019,rural,male,35,25-34,fourth,1,0,M-Pesa,0,0.0,none,9,3,high_burden
Niger,2019,rural,male,31,25-34,second,1,0,Moov Money,0,0.0,none,6,8,high_burden
Kenya,2023,rural,male,25,15-24,middle,1,1,Airtel Money,6,132.39,"international_remittance,cash_withdrawal",5,5,high_burden
Mali,2024,rural,female,48,45-54,middle,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2021,urban,male,31,25-34,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2023,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2019,urban,male,64,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,10,7,high_burden
Ethiopia,2020,rural,female,36,35-44,second,1,0,telebirr,0,0.0,none,7,7,high_burden
Tanzania,2018,rural,male,47,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
DRC,2025,urban,male,70,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2020,rural,female,59,55+,middle,1,0,Wari,0,0.0,none,2,12,high_burden
Malawi,2023,rural,female,49,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2020,rural,male,64,55+,fourth,1,0,M-Pesa,0,0.0,none,10,11,high_burden
Mozambique,2022,urban,male,69,55+,fourth,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2019,rural,female,69,55+,middle,1,1,Airtel Money,14,67.58,"cash_withdrawal,merchant_payment",2,7,high_burden
South Africa,2019,rural,female,31,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,5,7,high_burden
Tanzania,2019,rural,male,45,35-44,fourth,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2022,urban,male,48,45-54,second,1,0,TNM Mpamba,0,0.0,none,7,3,high_burden
Rwanda,2025,urban,female,50,45-54,fourth,0,0,none,0,0.0,none,5,0,high_burden
DRC,2022,rural,male,23,15-24,middle,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2020,rural,female,44,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Mozambique,2021,rural,male,48,45-54,fourth,0,0,none,0,0.0,none,8,0,high_burden
Mali,2018,rural,female,25,15-24,fourth,0,0,none,0,0.0,none,4,0,high_burden
DRC,2019,rural,male,63,55+,highest,0,0,none,0,0.0,none,1,0,high_burden
Niger,2019,rural,female,59,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Mozambique,2018,urban,female,21,15-24,highest,1,1,M-Pesa,10,217.71,"cash_deposit,cash_withdrawal,merchant_payment,savings,airtime_purchase",6,8,high_burden
Kenya,2023,rural,male,15,15-24,fourth,1,0,Airtel Money,0,0.0,none,6,4,high_burden
Uganda,2019,urban,female,25,15-24,fourth,1,1,MTN Mobile Money,17,48.8,"loan_repayment,person_to_person,airtime_purchase",6,4,high_burden
Tanzania,2021,rural,male,41,35-44,fourth,0,0,none,0,0.0,none,1,0,high_burden
South Africa,2025,urban,male,23,15-24,second,1,0,MTN Mobile Money,0,0.0,none,5,12,high_burden
Kenya,2023,urban,female,34,25-34,lowest,1,0,M-Pesa,0,0.0,none,4,7,high_burden
Tanzania,2025,rural,male,23,15-24,second,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2020,rural,female,54,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2024,urban,male,30,25-34,second,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2018,urban,male,22,15-24,fourth,1,1,Tigo Pesa,12,82.44,"person_to_person,savings,airtime_purchase,international_remittance",10,6,high_burden
Tanzania,2018,rural,female,57,55+,middle,1,0,Tigo Pesa,0,0.0,none,2,6,high_burden
Nigeria,2018,rural,female,27,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2024,urban,male,51,45-54,fourth,1,1,Zamtel Kwacha,15,108.39,"savings,international_remittance",8,7,high_burden
South Africa,2022,rural,female,37,35-44,highest,1,1,Vodapay,8,23.2,"loan_repayment,bill_payment",3,7,high_burden
Uganda,2023,rural,female,57,55+,fourth,1,0,Airtel Money,0,0.0,none,8,3,high_burden
Ethiopia,2023,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2018,rural,male,31,25-34,highest,1,0,Wave,0,0.0,none,10,1,high_burden
Uganda,2024,rural,male,64,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2025,urban,male,29,25-34,lowest,1,1,Airtel Money,18,58.75,"cash_withdrawal,cash_deposit",8,10,high_burden
Malawi,2020,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Niger,2021,rural,male,65,55+,middle,0,0,none,0,0.0,none,1,0,high_burden
Rwanda,2021,urban,female,36,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2019,rural,female,74,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2023,rural,female,16,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2021,urban,male,51,45-54,middle,1,0,M-Pesa,0,0.0,none,8,1,high_burden
Mozambique,2025,rural,female,46,45-54,highest,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2025,urban,female,72,55+,second,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2023,rural,male,15,15-24,fourth,0,0,none,0,0.0,none,4,0,high_burden
Niger,2021,rural,female,68,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Mali,2021,urban,female,64,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2024,rural,female,43,35-44,lowest,1,0,Airtel Money,0,0.0,none,3,6,high_burden
Ghana,2018,rural,male,53,45-54,second,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2024,rural,female,60,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2023,rural,male,52,45-54,second,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2025,rural,male,38,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2025,urban,male,43,35-44,fourth,1,1,MTN Mobile Money,12,119.4,"savings,bill_payment,cash_deposit,cash_withdrawal",10,14,high_burden
Uganda,2021,urban,male,61,55+,fourth,1,0,Airtel Money,0,0.0,none,9,6,high_burden
Senegal,2019,urban,male,31,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2022,urban,male,74,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2022,rural,male,50,45-54,fourth,1,0, PalmPay,0,0.0,none,4,10,high_burden
Zambia,2022,urban,female,54,45-54,fourth,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2025,rural,male,66,55+,lowest,1,1,MTN Mobile Money,8,148.33,"cash_withdrawal,person_to_person",10,7,high_burden
Malawi,2020,urban,female,43,35-44,lowest,1,1,Airtel Money,22,306.69,"airtime_purchase,loan_repayment",5,1,high_burden
Tanzania,2019,urban,male,25,15-24,fourth,1,1,Airtel Money,9,307.61,"loan_repayment,cash_deposit,bill_payment,person_to_person,cash_withdrawal",9,3,high_burden
Nigeria,2018,urban,male,47,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2023,urban,male,19,15-24,highest,1,0,M-Pesa,0,0.0,none,8,8,high_burden
Uganda,2022,urban,male,50,45-54,second,1,1,Airtel Money,10,65.53,"bill_payment,cash_deposit",2,1,high_burden
Uganda,2022,rural,male,18,15-24,highest,1,0,Airtel Money,0,0.0,none,8,3,high_burden
Zambia,2025,rural,male,42,35-44,middle,1,1,Zamtel Kwacha,7,37.51,"cash_deposit,person_to_person,international_remittance",9,3,high_burden
Mozambique,2020,rural,male,52,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Mali,2018,urban,male,44,35-44,middle,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2025,urban,female,18,15-24,middle,1,1,Wari,11,94.41,"merchant_payment,loan_repayment,cash_deposit",10,17,high_burden
DRC,2023,urban,female,37,35-44,highest,1,1,M-Pesa,16,70.74,"merchant_payment,cash_deposit,savings",5,2,high_burden
Uganda,2023,urban,female,51,45-54,lowest,1,1,Airtel Money,8,91.63,"loan_repayment,merchant_payment,person_to_person",9,5,high_burden
Zambia,2019,urban,female,22,15-24,second,1,1,Zamtel Kwacha,6,174.84,"cash_deposit,loan_repayment,international_remittance",4,2,high_burden
Zambia,2023,urban,female,59,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Malawi,2021,rural,female,51,45-54,highest,0,0,none,0,0.0,none,9,0,high_burden
Ethiopia,2023,rural,female,63,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2020,rural,female,34,25-34,middle,1,1,AirtelTigo Money,9,26.62,"savings,airtime_purchase,international_remittance,merchant_payment",10,8,high_burden
DRC,2019,rural,female,59,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2020,rural,female,59,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
DRC,2024,urban,male,37,35-44,highest,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2019,urban,female,47,45-54,fourth,1,0,Wari,0,0.0,none,4,6,high_burden
Uganda,2022,rural,female,15,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,4,8,high_burden
Mozambique,2023,urban,female,32,25-34,highest,0,0,none,0,0.0,none,10,0,high_burden
DRC,2019,rural,male,68,55+,second,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2022,urban,male,49,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mali,2021,rural,female,25,15-24,lowest,1,1,Moov Money,5,103.81,"person_to_person,cash_withdrawal,merchant_payment",4,11,high_burden
Mali,2018,rural,female,63,55+,fourth,1,0,Orange Money,0,0.0,none,6,5,high_burden
Ghana,2022,rural,male,53,45-54,middle,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2020,rural,female,36,35-44,fourth,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2025,rural,female,63,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Niger,2024,rural,male,59,55+,highest,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2018,urban,female,57,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2022,rural,female,21,15-24,middle,1,1,Wave,5,74.69,"cash_withdrawal,savings",10,12,high_burden
Kenya,2021,urban,male,16,15-24,highest,1,0,Airtel Money,0,0.0,none,3,10,high_burden
Tanzania,2021,urban,female,30,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2019,urban,female,24,15-24,lowest,1,1,M-Pesa,10,116.58,"cash_deposit,bill_payment",4,10,high_burden
South Africa,2025,urban,female,16,15-24,fourth,1,0,Vodapay,0,0.0,none,8,13,high_burden
DRC,2021,rural,male,17,15-24,highest,1,0,M-Pesa,0,0.0,none,3,1,high_burden
Uganda,2019,urban,female,67,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Mali,2020,urban,male,68,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2025,rural,female,63,55+,middle,0,0,none,0,0.0,none,9,0,high_burden
Uganda,2020,urban,female,34,25-34,fourth,1,1,Airtel Money,14,75.23,"airtime_purchase,merchant_payment,cash_withdrawal,international_remittance",5,12,high_burden
Zambia,2019,rural,female,65,55+,fourth,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2018,urban,female,69,55+,middle,1,1,Airtel Money,13,229.72,"loan_repayment,person_to_person",7,1,high_burden
Nigeria,2023,rural,female,57,55+,highest,1,0, PalmPay,0,0.0,none,7,11,high_burden
Mali,2022,rural,male,16,15-24,fourth,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2020,urban,female,38,35-44,second,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2022,urban,male,67,55+,second,1,1,Wari,13,373.13,"airtime_purchase,international_remittance,bill_payment,savings",6,5,high_burden
Rwanda,2023,rural,female,41,35-44,highest,0,0,none,0,0.0,none,9,0,high_burden
Kenya,2018,rural,female,29,25-34,lowest,1,0,M-Pesa,0,0.0,none,10,6,high_burden
Uganda,2021,rural,male,28,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,8,3,high_burden
Uganda,2023,rural,male,26,25-34,lowest,1,0,Airtel Money,0,0.0,none,10,3,high_burden
Ethiopia,2020,rural,female,21,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Niger,2025,rural,male,40,35-44,fourth,1,0,Moov Money,0,0.0,none,9,6,high_burden
Ghana,2019,rural,male,69,55+,fourth,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2020,rural,female,39,35-44,highest,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2023,rural,male,47,45-54,second,1,0,TNM Mpamba,0,0.0,none,4,15,high_burden
Kenya,2024,rural,male,23,15-24,lowest,1,0,M-Pesa,0,0.0,none,8,10,high_burden
Zambia,2018,rural,male,36,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2024,rural,female,69,55+,lowest,1,1,Airtel Money,10,115.9,"airtime_purchase,cash_deposit,loan_repayment,person_to_person,bill_payment",10,7,high_burden
South Africa,2022,rural,male,64,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Niger,2022,rural,female,45,35-44,lowest,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2021,urban,female,56,55+,highest,1,0,MTN Mobile Money,0,0.0,none,10,10,high_burden
Senegal,2024,rural,male,37,35-44,lowest,1,1,Wave,11,76.55,"cash_deposit,savings,cash_withdrawal,international_remittance,bill_payment",2,10,high_burden
South Africa,2019,rural,male,21,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2024,urban,female,20,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
DRC,2020,urban,female,71,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Ghana,2023,rural,male,52,45-54,highest,0,0,none,0,0.0,none,6,0,high_burden
Mozambique,2024,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2024,urban,male,66,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2020,urban,female,47,45-54,highest,0,0,none,0,0.0,none,8,0,high_burden
Zambia,2024,rural,male,39,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2024,urban,male,21,15-24,second,1,1,MTN Mobile Money,16,188.38,"savings,bill_payment,loan_repayment,merchant_payment",3,11,high_burden
DRC,2023,rural,male,67,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
South Africa,2020,rural,male,66,55+,middle,1,1,MTN Mobile Money,9,42.4,"merchant_payment,person_to_person",3,7,high_burden
Ethiopia,2023,urban,female,73,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2018,urban,female,23,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2021,rural,male,70,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2025,rural,male,57,55+,middle,1,0,Airtel Money,0,0.0,none,4,16,high_burden
South Africa,2022,urban,female,36,35-44,middle,1,1,MTN Mobile Money,15,138.51,"bill_payment,international_remittance",6,14,high_burden
DRC,2022,rural,female,16,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2019,rural,male,61,55+,fourth,1,0,Zamtel Kwacha,0,0.0,none,5,8,high_burden
Kenya,2019,rural,female,31,25-34,middle,1,0,Airtel Money,0,0.0,none,7,9,high_burden
Uganda,2023,urban,female,52,45-54,lowest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2020,urban,male,42,35-44,fourth,1,1,TNM Mpamba,14,143.92,"airtime_purchase,cash_deposit,savings",7,1,high_burden
Senegal,2023,rural,male,68,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
DRC,2019,rural,female,40,35-44,fourth,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2021,urban,female,15,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,10,2,high_burden
Ethiopia,2019,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2024,rural,female,16,15-24,fourth,1,0,M-Pesa,0,0.0,none,8,1,high_burden
Kenya,2021,rural,male,41,35-44,second,1,0,Airtel Money,0,0.0,none,7,2,high_burden
Ethiopia,2023,rural,female,61,55+,second,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2022,urban,female,19,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,5,12,high_burden
Zambia,2024,urban,female,39,35-44,fourth,0,0,none,0,0.0,none,8,0,high_burden
Niger,2025,rural,female,24,15-24,highest,0,0,none,0,0.0,none,8,0,high_burden
Niger,2023,urban,male,53,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2022,urban,male,62,55+,lowest,1,0,Orange Money,0,0.0,none,9,8,high_burden
Uganda,2022,urban,female,59,55+,highest,1,0,MTN Mobile Money,0,0.0,none,8,12,high_burden
South Africa,2025,urban,female,31,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2022,urban,female,29,25-34,highest,1,1,MTN Mobile Money,14,138.65,"savings,international_remittance,bill_payment,loan_repayment,person_to_person",9,12,high_burden
Kenya,2021,urban,female,63,55+,second,1,0,M-Pesa,0,0.0,none,9,5,high_burden
South Africa,2018,urban,male,22,15-24,highest,1,0,FNB eWallet,0,0.0,none,10,10,high_burden
Malawi,2021,urban,male,27,25-34,fourth,1,1,TNM Mpamba,13,136.34,"airtime_purchase,person_to_person,cash_deposit",3,12,high_burden
Kenya,2023,urban,female,16,15-24,second,1,0,M-Pesa,0,0.0,none,4,14,high_burden
Rwanda,2025,rural,male,49,45-54,fourth,1,1,Airtel Money,5,170.73,"airtime_purchase,cash_withdrawal",1,4,high_burden
South Africa,2019,urban,female,60,55+,middle,1,1,FNB eWallet,14,104.97,"cash_withdrawal,person_to_person,savings,merchant_payment",10,8,high_burden
Uganda,2020,urban,female,50,45-54,second,1,0,Airtel Money,0,0.0,none,2,11,high_burden
Malawi,2025,urban,female,52,45-54,fourth,0,0,none,0,0.0,none,7,0,high_burden
Mali,2019,rural,female,31,25-34,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2021,rural,male,23,15-24,second,1,0,MTN Mobile Money,0,0.0,none,8,7,high_burden
Zambia,2025,urban,female,35,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,9,4,high_burden
South Africa,2024,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2018,urban,female,16,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mozambique,2020,rural,female,71,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2025,rural,male,47,45-54,highest,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2020,urban,female,42,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,10,5,high_burden
Mozambique,2021,urban,male,35,25-34,fourth,1,1,e-Mola,11,170.24,"savings,bill_payment,cash_withdrawal,international_remittance",8,10,high_burden
Niger,2019,urban,male,55,45-54,lowest,1,0,Moov Money,0,0.0,none,7,5,high_burden
Niger,2022,rural,female,28,25-34,highest,0,0,none,0,0.0,none,8,0,high_burden
Senegal,2023,urban,male,71,55+,fourth,1,0,Wave,0,0.0,none,8,3,high_burden
Nigeria,2023,urban,female,29,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2023,urban,female,55,45-54,second,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2023,rural,male,31,25-34,lowest,1,0,Airtel Money,0,0.0,none,5,9,high_burden
Malawi,2025,rural,male,15,15-24,fourth,1,0,TNM Mpamba,0,0.0,none,5,3,high_burden
Mozambique,2023,rural,female,46,45-54,fourth,0,0,none,0,0.0,none,6,0,high_burden
Mali,2023,rural,male,33,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
Rwanda,2019,rural,female,54,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
DRC,2024,rural,female,43,35-44,highest,0,0,none,0,0.0,none,2,0,high_burden
Ghana,2023,rural,male,56,55+,lowest,1,1,Vodafone Cash,6,195.77,"bill_payment,international_remittance",5,8,high_burden
Niger,2022,rural,male,44,35-44,fourth,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2023,rural,female,35,25-34,middle,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2020,urban,female,40,35-44,fourth,1,0,M-Birr,0,0.0,none,10,12,high_burden
Ethiopia,2025,urban,male,31,25-34,highest,0,0,none,0,0.0,none,10,0,high_burden
Niger,2018,rural,female,69,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Nigeria,2020,rural,female,15,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2025,urban,male,17,15-24,middle,1,1,OPay,5,169.54,"international_remittance,cash_withdrawal",10,16,high_burden
Rwanda,2025,rural,male,62,55+,middle,1,1,Airtel Money,4,83.43,"merchant_payment,cash_withdrawal,bill_payment",8,4,high_burden
Niger,2018,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
DRC,2022,rural,male,46,45-54,fourth,1,0,Orange Money,0,0.0,none,9,2,high_burden
DRC,2021,rural,female,63,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2018,rural,male,60,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Ethiopia,2020,urban,female,66,55+,highest,1,0,M-Birr,0,0.0,none,7,3,high_burden
Kenya,2018,urban,male,37,35-44,lowest,1,1,Airtel Money,18,101.01,"loan_repayment,cash_deposit,merchant_payment",6,4,high_burden
Mali,2024,rural,female,19,15-24,lowest,1,1,Moov Money,7,81.55,"loan_repayment,savings,airtime_purchase,cash_withdrawal,international_remittance",9,12,high_burden
DRC,2022,rural,female,40,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Mali,2020,rural,female,55,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2022,urban,male,18,15-24,fourth,1,0,OPay,0,0.0,none,3,3,high_burden
Senegal,2021,urban,male,24,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2023,rural,female,46,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Uganda,2020,urban,male,47,45-54,highest,1,1,MTN Mobile Money,7,204.94,"international_remittance,cash_withdrawal,loan_repayment,airtime_purchase",8,3,high_burden
Kenya,2022,urban,male,25,15-24,middle,1,1,M-Pesa,12,74.45,"airtime_purchase,merchant_payment,savings,loan_repayment",3,12,high_burden
Mozambique,2018,rural,female,35,25-34,highest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2022,urban,female,31,25-34,lowest,1,1,OPay,15,143.22,"international_remittance,cash_deposit,cash_withdrawal",6,4,high_burden
Zambia,2019,rural,female,67,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2022,urban,female,40,35-44,second,1,1,telebirr,13,145.37,"merchant_payment,bill_payment,cash_deposit,cash_withdrawal,loan_repayment",4,8,high_burden
Malawi,2018,urban,male,29,25-34,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2020,rural,male,30,25-34,middle,1,0,FNB eWallet,0,0.0,none,4,12,high_burden
Niger,2021,rural,male,37,35-44,highest,1,0,Airtel Money,0,0.0,none,2,12,high_burden
Malawi,2018,urban,male,49,45-54,second,0,0,none,0,0.0,none,7,0,high_burden
Nigeria,2018,rural,male,27,25-34,fourth,0,0,none,0,0.0,none,8,0,high_burden
DRC,2022,urban,female,74,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2023,urban,female,74,55+,second,1,0,Wari,0,0.0,none,7,3,high_burden
DRC,2018,rural,female,46,45-54,middle,0,0,none,0,0.0,none,5,0,high_burden
Nigeria,2018,urban,female,57,55+,highest,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2022,rural,female,33,25-34,second,0,0,none,0,0.0,none,8,0,high_burden
Uganda,2024,rural,female,22,15-24,middle,1,1,Airtel Money,12,139.38,"merchant_payment,airtime_purchase,person_to_person",9,8,high_burden
South Africa,2025,urban,female,35,25-34,lowest,1,1,FNB eWallet,10,102.4,"international_remittance,loan_repayment,savings,airtime_purchase,bill_payment",9,7,high_burden
Rwanda,2020,rural,male,51,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,2,10,high_burden
South Africa,2019,rural,female,60,55+,fourth,1,0,Vodapay,0,0.0,none,2,10,high_burden
Ethiopia,2025,rural,female,18,15-24,highest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2018,rural,male,71,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Malawi,2022,rural,female,33,25-34,fourth,1,1,Airtel Money,8,56.36,"savings,cash_withdrawal,international_remittance,merchant_payment",2,6,high_burden
Zambia,2023,urban,male,74,55+,fourth,1,0,Zamtel Kwacha,0,0.0,none,9,7,high_burden
Uganda,2025,urban,female,66,55+,lowest,0,0,none,0,0.0,none,8,0,high_burden
Niger,2018,urban,female,59,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2021,rural,female,73,55+,fourth,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2023,rural,female,67,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2025,rural,male,45,35-44,middle,1,0,Airtel Money,0,0.0,none,8,12,high_burden
Ethiopia,2023,urban,male,74,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2022,urban,male,42,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2020,urban,male,51,45-54,middle,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2020,urban,male,17,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Mozambique,2020,urban,female,30,25-34,second,1,0,e-Mola,0,0.0,none,10,12,high_burden
Tanzania,2018,rural,female,38,35-44,fourth,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2021,rural,male,57,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2019,urban,male,38,35-44,fourth,1,1,M-Pesa,8,187.56,"savings,loan_repayment,cash_deposit,international_remittance",4,6,high_burden
Rwanda,2023,urban,male,38,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2019,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2022,rural,male,51,45-54,lowest,1,0, PalmPay,0,0.0,none,4,12,high_burden
Tanzania,2024,urban,female,25,15-24,lowest,1,1,Airtel Money,14,64.17,"savings,airtime_purchase,cash_withdrawal,international_remittance,bill_payment",10,1,high_burden
Mali,2018,rural,female,40,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Tanzania,2025,rural,female,38,35-44,second,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2018,urban,male,70,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Ethiopia,2023,urban,female,44,35-44,second,0,0,none,0,0.0,none,4,0,high_burden
DRC,2024,urban,female,50,45-54,highest,1,0,Airtel Money,0,0.0,none,4,11,high_burden
Uganda,2022,urban,female,42,35-44,highest,1,1,MTN Mobile Money,18,47.84,"savings,cash_withdrawal,loan_repayment,merchant_payment,airtime_purchase",4,10,high_burden
Nigeria,2023,rural,male,64,55+,middle,1,0, PalmPay,0,0.0,none,6,2,high_burden
Ghana,2020,rural,male,47,45-54,middle,0,0,none,0,0.0,none,1,0,high_burden
Mozambique,2025,rural,male,65,55+,lowest,1,0,M-Pesa,0,0.0,none,2,11,high_burden
Nigeria,2024,rural,male,73,55+,fourth,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2020,rural,female,42,35-44,lowest,0,0,none,0,0.0,none,10,0,high_burden
Kenya,2018,rural,female,62,55+,highest,1,1,M-Pesa,12,104.77,"cash_deposit,loan_repayment,person_to_person,merchant_payment",6,2,high_burden
South Africa,2021,urban,female,52,45-54,highest,1,0,FNB eWallet,0,0.0,none,5,2,high_burden
Mozambique,2021,urban,male,34,25-34,highest,1,1,M-Pesa,13,105.18,"merchant_payment,cash_deposit,cash_withdrawal",10,2,high_burden
Uganda,2019,rural,female,72,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Zambia,2021,rural,male,31,25-34,fourth,1,1,Zamtel Kwacha,5,125.3,"international_remittance,bill_payment",5,7,high_burden
Tanzania,2023,rural,male,28,25-34,middle,1,0,Airtel Money,0,0.0,none,4,1,high_burden
Kenya,2022,rural,female,49,45-54,fourth,1,0,Airtel Money,0,0.0,none,5,8,high_burden
Kenya,2019,urban,male,54,45-54,highest,1,0,Airtel Money,0,0.0,none,5,10,high_burden
Ethiopia,2021,urban,female,40,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Malawi,2022,urban,male,49,45-54,fourth,1,1,TNM Mpamba,5,179.87,"loan_repayment,bill_payment,cash_withdrawal,savings,cash_deposit",8,3,high_burden
Uganda,2025,urban,female,69,55+,lowest,0,0,none,0,0.0,none,5,0,high_burden
Niger,2018,rural,male,59,55+,middle,0,0,none,0,0.0,none,4,0,high_burden
DRC,2023,urban,male,64,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2022,rural,female,42,35-44,fourth,1,0,Orange Money,0,0.0,none,3,9,high_burden
Zambia,2021,rural,female,32,25-34,second,0,0,none,0,0.0,none,4,0,high_burden
DRC,2024,urban,male,36,35-44,middle,0,0,none,0,0.0,none,9,0,high_burden
Mozambique,2025,rural,female,64,55+,middle,1,1,e-Mola,9,175.53,"airtime_purchase,international_remittance",1,5,high_burden
South Africa,2023,rural,female,56,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
Senegal,2025,rural,female,34,25-34,second,1,1,Orange Money,7,43.12,"savings,cash_withdrawal",8,9,high_burden
Malawi,2020,urban,male,35,25-34,fourth,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2024,rural,male,30,25-34,lowest,1,0,Vodapay,0,0.0,none,4,1,high_burden
Tanzania,2024,urban,female,61,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2025,urban,male,18,15-24,fourth,1,0,M-Pesa,0,0.0,none,9,11,high_burden
Ethiopia,2018,rural,male,41,35-44,middle,1,1,telebirr,4,109.7,"cash_deposit,international_remittance,person_to_person,merchant_payment",10,7,high_burden
Senegal,2018,rural,male,61,55+,middle,0,0,none,0,0.0,none,5,0,high_burden
Rwanda,2020,rural,female,15,15-24,second,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2025,rural,male,71,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Tanzania,2021,rural,female,30,25-34,lowest,1,1,Tigo Pesa,9,254.7,"savings,international_remittance",5,12,high_burden
Niger,2022,urban,female,22,15-24,second,0,0,none,0,0.0,none,10,0,high_burden
Tanzania,2021,urban,female,24,15-24,middle,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2019,rural,female,50,45-54,middle,1,1,Airtel Money,6,199.4,"cash_deposit,loan_repayment",10,8,high_burden
Senegal,2021,rural,female,52,45-54,highest,0,0,none,0,0.0,none,2,0,high_burden
Senegal,2024,urban,female,46,45-54,highest,1,0,Wave,0,0.0,none,4,7,high_burden
DRC,2019,urban,male,45,35-44,lowest,1,0,Orange Money,0,0.0,none,4,10,high_burden
Kenya,2025,rural,male,33,25-34,second,1,0,Airtel Money,0,0.0,none,8,12,high_burden
Tanzania,2025,rural,male,24,15-24,fourth,1,1,Airtel Money,9,62.36,"cash_deposit,merchant_payment,savings,person_to_person,bill_payment",6,14,high_burden
Ghana,2024,rural,female,73,55+,fourth,1,0,AirtelTigo Money,0,0.0,none,10,5,high_burden
Mali,2020,rural,male,20,15-24,highest,1,0,Moov Money,0,0.0,none,5,11,high_burden
South Africa,2020,urban,female,20,15-24,second,1,0,MTN Mobile Money,0,0.0,none,9,4,high_burden
Nigeria,2018,urban,female,15,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Mozambique,2019,rural,male,63,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Ghana,2025,urban,male,48,45-54,fourth,0,0,none,0,0.0,none,2,0,high_burden
South Africa,2025,urban,female,25,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
DRC,2023,rural,male,51,45-54,highest,1,0,M-Pesa,0,0.0,none,2,8,high_burden
DRC,2025,rural,female,71,55+,highest,1,0,Orange Money,0,0.0,none,1,12,high_burden
Nigeria,2023,rural,male,47,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2023,rural,male,22,15-24,lowest,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2025,urban,male,45,35-44,middle,1,1,MTN Mobile Money,11,401.03,"international_remittance,savings,person_to_person",10,6,high_burden
Malawi,2020,urban,male,58,55+,lowest,0,0,none,0,0.0,none,7,0,high_burden
Mali,2018,urban,female,66,55+,highest,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2024,urban,male,73,55+,fourth,1,0,FNB eWallet,0,0.0,none,10,2,high_burden
Malawi,2023,rural,male,57,55+,second,1,0,Airtel Money,0,0.0,none,5,14,high_burden
Ethiopia,2020,rural,male,57,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Mali,2025,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2024,rural,male,38,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Ethiopia,2025,rural,male,54,45-54,highest,0,0,none,0,0.0,none,1,0,high_burden
Senegal,2024,rural,female,23,15-24,second,1,1,Orange Money,8,38.15,"cash_withdrawal,merchant_payment",10,8,high_burden
Ethiopia,2018,rural,female,18,15-24,second,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2024,rural,female,44,35-44,lowest,0,0,none,0,0.0,none,7,0,high_burden
Kenya,2025,rural,male,73,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
DRC,2019,rural,female,57,55+,highest,1,1,M-Pesa,14,48.82,"loan_repayment,bill_payment",3,1,high_burden
Ghana,2024,rural,male,45,35-44,second,1,0,Vodafone Cash,0,0.0,none,2,9,high_burden
Nigeria,2023,rural,male,31,25-34,second,0,0,none,0,0.0,none,7,0,high_burden
South Africa,2018,urban,female,34,25-34,fourth,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2022,urban,female,71,55+,middle,1,0,FNB eWallet,0,0.0,none,9,10,high_burden
Niger,2023,rural,male,70,55+,lowest,0,0,none,0,0.0,none,2,0,high_burden
Uganda,2018,rural,female,66,55+,highest,1,0,MTN Mobile Money,0,0.0,none,4,6,high_burden
Nigeria,2020,rural,female,57,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2019,urban,male,74,55+,second,0,0,none,0,0.0,none,5,0,high_burden
Senegal,2021,rural,female,16,15-24,fourth,1,0,Wave,0,0.0,none,6,10,high_burden
Kenya,2019,urban,female,50,45-54,highest,1,1,M-Pesa,15,60.34,"cash_withdrawal,merchant_payment,airtime_purchase,bill_payment,savings",5,5,high_burden
Tanzania,2021,urban,male,24,15-24,middle,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2022,urban,female,55,45-54,fourth,1,1,Paga,7,57.6,"international_remittance,cash_deposit,merchant_payment,bill_payment,loan_repayment",6,4,high_burden
Ghana,2020,rural,male,21,15-24,highest,1,1,AirtelTigo Money,5,26.82,"savings,cash_deposit,international_remittance,airtime_purchase",10,4,high_burden
Rwanda,2024,urban,male,30,25-34,lowest,1,1,MTN Mobile Money,9,100.27,"loan_repayment,bill_payment,merchant_payment",9,7,high_burden
Tanzania,2021,urban,female,51,45-54,fourth,1,0,Tigo Pesa,0,0.0,none,6,10,high_burden
Mali,2023,urban,female,57,55+,middle,0,0,none,0,0.0,none,6,0,high_burden
Ghana,2019,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,4,0,high_burden
Nigeria,2024,rural,male,67,55+,second,0,0,none,0,0.0,none,6,0,high_burden
Senegal,2024,urban,female,40,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Ghana,2024,urban,female,16,15-24,middle,1,0,AirtelTigo Money,0,0.0,none,3,15,high_burden
Zambia,2024,rural,female,62,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Senegal,2025,rural,female,33,25-34,lowest,1,0,Orange Money,0,0.0,none,10,14,high_burden
DRC,2018,urban,male,64,55+,second,1,0,M-Pesa,0,0.0,none,6,4,high_burden
South Africa,2021,urban,male,34,25-34,middle,0,0,none,0,0.0,none,9,0,high_burden
DRC,2024,rural,female,44,35-44,lowest,0,0,none,0,0.0,none,1,0,high_burden
Nigeria,2023,urban,male,60,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2020,rural,female,72,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Zambia,2025,urban,male,65,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2025,rural,female,34,25-34,lowest,0,0,none,0,0.0,none,5,0,high_burden
South Africa,2024,rural,male,73,55+,middle,1,0,MTN Mobile Money,0,0.0,none,9,3,high_burden
Niger,2023,rural,male,65,55+,lowest,0,0,none,0,0.0,none,1,0,high_burden
Niger,2023,rural,female,38,35-44,second,0,0,none,0,0.0,none,2,0,high_burden
Niger,2019,rural,male,41,35-44,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2020,urban,male,45,35-44,middle,0,0,none,0,0.0,none,2,0,high_burden
DRC,2020,urban,male,32,25-34,fourth,1,1,M-Pesa,11,81.36,"bill_payment,cash_withdrawal,international_remittance",4,9,high_burden
Senegal,2025,urban,female,52,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Tanzania,2020,urban,female,21,15-24,highest,1,0,Airtel Money,0,0.0,none,5,8,high_burden
Tanzania,2018,rural,female,33,25-34,second,1,0,Airtel Money,0,0.0,none,10,2,high_burden
South Africa,2024,urban,male,22,15-24,highest,1,1,FNB eWallet,14,210.16,"bill_payment,international_remittance,merchant_payment,airtime_purchase,cash_withdrawal",7,5,high_burden
Ghana,2022,rural,male,49,45-54,fourth,1,1,Vodafone Cash,5,20.75,"merchant_payment,international_remittance",2,1,high_burden
Ethiopia,2025,rural,male,58,55+,second,1,0,M-Birr,0,0.0,none,5,2,high_burden
Tanzania,2022,urban,male,29,25-34,second,1,0,Tigo Pesa,0,0.0,none,8,6,high_burden
Zambia,2018,urban,female,28,25-34,lowest,1,1,Airtel Money,8,293.35,"cash_withdrawal,airtime_purchase",8,5,high_burden
DRC,2018,rural,female,26,25-34,highest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2021,rural,female,59,55+,middle,1,0,Airtel Money,0,0.0,none,3,3,high_burden
Zambia,2023,rural,female,74,55+,highest,0,0,none,0,0.0,none,6,0,high_burden
Niger,2019,urban,male,58,55+,second,1,1,Airtel Money,12,146.84,"cash_withdrawal,bill_payment",6,3,high_burden
Uganda,2023,urban,female,69,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Rwanda,2019,rural,female,67,55+,second,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2022,urban,female,45,35-44,fourth,1,1,AirtelTigo Money,12,377.44,"cash_withdrawal,person_to_person,savings,bill_payment,loan_repayment",10,1,high_burden
Uganda,2018,rural,male,43,35-44,second,1,0,Airtel Money,0,0.0,none,6,6,high_burden
Kenya,2018,urban,female,31,25-34,second,1,1,Airtel Money,14,187.73,"person_to_person,cash_withdrawal,cash_deposit,loan_repayment",4,2,high_burden
Mozambique,2022,urban,male,27,25-34,fourth,1,0,e-Mola,0,0.0,none,5,3,high_burden
Mozambique,2022,rural,male,51,45-54,middle,0,0,none,0,0.0,none,6,0,high_burden
Rwanda,2022,urban,female,24,15-24,fourth,0,0,none,0,0.0,none,10,0,high_burden
Malawi,2019,rural,male,53,45-54,middle,0,0,none,0,0.0,none,3,0,high_burden
Niger,2021,rural,female,53,45-54,middle,0,0,none,0,0.0,none,4,0,high_burden
Tanzania,2023,rural,male,17,15-24,middle,1,1,M-Pesa,13,75.55,"cash_withdrawal,international_remittance,cash_deposit,person_to_person",4,9,high_burden
South Africa,2019,urban,male,45,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,4,1,high_burden
Mali,2020,rural,male,22,15-24,fourth,1,0,Moov Money,0,0.0,none,9,7,high_burden
DRC,2021,rural,female,68,55+,second,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2023,rural,male,29,25-34,highest,1,1,TNM Mpamba,5,38.98,"bill_payment,cash_withdrawal,merchant_payment",3,7,high_burden
Mali,2023,urban,female,68,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
South Africa,2025,rural,female,65,55+,fourth,1,0,Vodapay,0,0.0,none,1,7,high_burden
Kenya,2018,rural,female,20,15-24,second,1,0,Airtel Money,0,0.0,none,6,10,high_burden
Zambia,2020,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,7,0,high_burden
Malawi,2025,rural,male,40,35-44,lowest,0,0,none,0,0.0,none,2,0,high_burden
Tanzania,2019,urban,male,69,55+,fourth,1,1,Tigo Pesa,19,56.34,"cash_withdrawal,savings,international_remittance,cash_deposit",3,10,high_burden
Malawi,2023,rural,female,57,55+,lowest,0,0,none,0,0.0,none,4,0,high_burden
Malawi,2019,rural,male,44,35-44,middle,1,0,TNM Mpamba,0,0.0,none,5,6,high_burden
Kenya,2020,rural,male,62,55+,fourth,1,1,Airtel Money,8,81.8,"international_remittance,loan_repayment,person_to_person,cash_deposit",10,9,high_burden
Uganda,2019,urban,male,49,45-54,fourth,0,0,none,0,0.0,none,10,0,high_burden
Nigeria,2020,urban,male,62,55+,middle,0,0,none,0,0.0,none,2,0,high_burden
Zambia,2018,rural,female,59,55+,highest,0,0,none,0,0.0,none,2,0,high_burden
Rwanda,2023,rural,female,50,45-54,fourth,0,0,none,0,0.0,none,7,0,high_burden
Uganda,2021,urban,female,35,25-34,middle,1,1,Airtel Money,11,28.03,"cash_deposit,savings,merchant_payment,international_remittance",5,8,high_burden
Kenya,2025,rural,male,56,55+,middle,1,1,M-Pesa,4,103.48,"cash_withdrawal,airtime_purchase,loan_repayment,savings,international_remittance",10,1,high_burden
Malawi,2018,rural,male,55,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Mali,2024,urban,female,30,25-34,highest,0,0,none,0,0.0,none,10,0,high_burden
Rwanda,2024,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Malawi,2024,rural,male,61,55+,second,0,0,none,0,0.0,none,3,0,high_burden
Ethiopia,2021,rural,female,55,45-54,second,0,0,none,0,0.0,none,4,0,high_burden
Ghana,2020,urban,male,28,25-34,fourth,1,1,Vodafone Cash,9,67.44,"cash_withdrawal,cash_deposit,person_to_person,international_remittance,loan_repayment",10,10,high_burden
Mozambique,2023,urban,female,17,15-24,fourth,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2023,rural,male,29,25-34,middle,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2018,urban,female,18,15-24,fourth,1,0,Airtel Money,0,0.0,none,10,9,high_burden
Rwanda,2021,urban,male,66,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Zambia,2025,rural,female,71,55+,lowest,0,0,none,0,0.0,none,10,0,high_burden
South Africa,2023,rural,male,63,55+,lowest,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2023,rural,female,63,55+,fourth,0,0,none,0,0.0,none,8,0,high_burden
Mali,2019,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,3,0,high_burden
Senegal,2020,rural,male,17,15-24,highest,1,1,Orange Money,7,104.05,"bill_payment,cash_withdrawal,loan_repayment,savings,international_remittance",8,11,high_burden
Zambia,2020,rural,male,64,55+,fourth,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2024,rural,female,45,35-44,lowest,0,0,none,0,0.0,none,9,0,high_burden
Senegal,2020,urban,male,64,55+,fourth,1,1,Wave,21,86.87,"international_remittance,cash_withdrawal,merchant_payment,airtime_purchase",9,8,high_burden
Rwanda,2018,urban,male,56,55+,lowest,1,1,Airtel Money,7,67.06,"international_remittance,bill_payment,merchant_payment",9,8,high_burden
Ghana,2019,rural,female,40,35-44,lowest,1,1,AirtelTigo Money,9,51.78,"loan_repayment,cash_deposit,airtime_purchase,savings",4,4,high_burden
Ethiopia,2022,urban,female,15,15-24,lowest,0,0,none,0,0.0,none,10,0,high_burden
Zambia,2018,urban,male,63,55+,middle,0,0,none,0,0.0,none,7,0,high_burden
Tanzania,2023,urban,male,56,55+,highest,1,1,M-Pesa,13,86.14,"loan_repayment,cash_deposit,international_remittance,bill_payment",2,8,high_burden
Tanzania,2024,rural,male,39,35-44,fourth,1,1,M-Pesa,6,124.0,"loan_repayment,merchant_payment,cash_withdrawal,cash_deposit,international_remittance",7,14,high_burden
Ghana,2024,rural,female,56,55+,highest,1,0,Vodafone Cash,0,0.0,none,8,11,high_burden
Ghana,2025,rural,male,34,25-34,fourth,1,1,AirtelTigo Money,4,51.91,"merchant_payment,person_to_person,loan_repayment,airtime_purchase,savings",7,9,high_burden
Mozambique,2024,urban,female,53,45-54,highest,1,1,M-Pesa,7,170.66,"international_remittance,bill_payment",5,4,high_burden
Nigeria,2024,urban,female,48,45-54,second,0,0,none,0,0.0,none,3,0,high_burden
Nigeria,2023,rural,male,40,35-44,second,0,0,none,0,0.0,none,5,0,high_burden
Mali,2020,urban,male,31,25-34,second,1,1,Orange Money,18,78.63,"cash_deposit,cash_withdrawal",8,5,high_burden
Nigeria,2021,rural,female,38,35-44,lowest,0,0,none,0,0.0,none,3,0,high_burden
South Africa,2023,urban,male,59,55+,fourth,1,0,Vodapay,0,0.0,none,5,15,high_burden
South Africa,2025,urban,male,40,35-44,middle,1,1,MTN Mobile Money,11,65.94,"cash_withdrawal,merchant_payment",9,1,high_burden
Ethiopia,2018,rural,male,50,45-54,second,0,0,none,0,0.0,none,9,0,high_burden
South Africa,2023,urban,female,63,55+,second,1,1,Vodapay,8,55.88,"loan_repayment,airtime_purchase",10,5,high_burden
Niger,2024,urban,male,20,15-24,middle,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2023,urban,female,23,15-24,highest,1,0,Airtel Money,0,0.0,none,7,9,high_burden
Mozambique,2020,rural,male,54,45-54,lowest,0,0,none,0,0.0,none,8,0,high_burden
Kenya,2021,rural,female,16,15-24,lowest,1,0,M-Pesa,0,0.0,none,10,1,high_burden
Mali,2024,rural,female,58,55+,highest,1,0,Orange Money,0,0.0,none,6,3,high_burden
Zambia,2018,rural,male,21,15-24,middle,0,0,none,0,0.0,none,9,0,high_burden
Zambia,2024,rural,male,15,15-24,lowest,0,0,none,0,0.0,none,5,0,high_burden
Kenya,2025,rural,female,72,55+,fourth,1,0,M-Pesa,0,0.0,none,1,14,high_burden
Mali,2019,rural,male,71,55+,second,0,0,none,0,0.0,none,1,0,high_burden
South Africa,2018,rural,female,37,35-44,fourth,1,0,Vodapay,0,0.0,none,10,2,high_burden
Ghana,2025,urban,male,19,15-24,lowest,0,0,none,0,0.0,none,6,0,high_burden
Ethiopia,2020,rural,male,51,45-54,highest,0,0,none,0,0.0,none,8,0,high_burden
Ethiopia,2023,urban,male,59,55+,lowest,0,0,none,0,0.0,none,3,0,high_burden
Malawi,2023,rural,male,23,15-24,lowest,1,1,Airtel Money,6,25.89,"cash_deposit,bill_payment,loan_repayment,person_to_person",8,1,high_burden
DRC,2018,urban,male,34,25-34,lowest,0,0,none,0,0.0,none,10,0,high_burden
Mali,2020,rural,female,59,55+,second,0,0,none,0,0.0,none,8,0,high_burden
Mozambique,2021,urban,male,16,15-24,lowest,0,0,none,0,0.0,none,4,0,high_burden
Ethiopia,2022,urban,male,61,55+,middle,0,0,none,0,0.0,none,10,0,high_burden
Uganda,2021,urban,male,36,35-44,lowest,1,0,Airtel Money,0,0.0,none,10,13,high_burden
South Africa,2025,rural,male,26,25-34,middle,1,1,Vodapay,13,109.44,"international_remittance,cash_withdrawal,airtime_purchase,savings",3,12,high_burden
Mali,2020,rural,male,22,15-24,highest,0,0,none,0,0.0,none,10,0,high_burden
Ghana,2021,rural,male,66,55+,second,1,0,Vodafone Cash,0,0.0,none,5,12,high_burden
DRC,2022,rural,male,29,25-34,lowest,1,0,M-Pesa,0,0.0,none,9,3,high_burden
Tanzania,2019,rural,female,45,35-44,lowest,0,0,none,0,0.0,none,6,0,high_burden
Nigeria,2022,urban,female,46,45-54,highest,1,1,Paga,9,95.39,"international_remittance,merchant_payment,loan_repayment,savings",5,13,high_burden
Niger,2023,rural,female,69,55+,lowest,1,0,Moov Money,0,0.0,none,4,4,high_burden
Mozambique,2023,urban,female,53,45-54,lowest,1,1,M-Pesa,16,71.44,"cash_deposit,international_remittance",9,10,high_burden
Ghana,2019,rural,female,52,45-54,middle,1,1,Vodafone Cash,11,62.62,"savings,cash_deposit",9,1,high_burden
Mali,2018,urban,female,57,55+,fourth,0,0,none,0,0.0,none,7,0,high_burden
Rwanda,2024,urban,female,72,55+,middle,0,0,none,0,0.0,none,8,0,high_burden
Rwanda,2023,urban,male,20,15-24,fourth,1,1,MTN Mobile Money,10,39.48,"merchant_payment,cash_deposit,person_to_person",4,8,high_burden
Senegal,2018,urban,male,24,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Niger,2019,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,8,0,high_burden
Niger,2020,urban,male,29,25-34,fourth,0,0,none,0,0.0,none,6,0,high_burden
South Africa,2018,rural,male,32,25-34,middle,0,0,none,0,0.0,none,7,0,high_burden
Mali,2022,urban,male,25,15-24,middle,0,0,none,0,0.0,none,4,0,high_burden
Senegal,2019,rural,female,46,45-54,second,0,0,none,0,0.0,none,5,0,high_burden