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
Zambia,2019,urban,male,73,55+,second,1,1,Airtel Money,14,118.69,"airtime_purchase,bill_payment,merchant_payment,international_remittance",2,1,moderate_burden
Rwanda,2018,rural,male,21,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2023,rural,female,21,15-24,second,1,0,Airtel Money,0,0.0,none,7,10,moderate_burden
Kenya,2021,urban,female,29,25-34,middle,1,0,M-Pesa,0,0.0,none,7,3,moderate_burden
Senegal,2023,rural,female,17,15-24,middle,1,0,Wari,0,0.0,none,4,1,moderate_burden
Kenya,2019,rural,female,41,35-44,second,1,0,Airtel Money,0,0.0,none,6,2,moderate_burden
Tanzania,2023,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2024,rural,female,39,35-44,second,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2018,rural,male,26,25-34,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2025,urban,male,40,35-44,second,1,0,Orange Money,0,0.0,none,10,11,moderate_burden
South Africa,2021,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2018,urban,male,43,35-44,second,1,0,AirtelTigo Money,0,0.0,none,7,5,moderate_burden
DRC,2022,rural,female,58,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2021,rural,male,24,15-24,highest,1,0,Orange Money,0,0.0,none,10,5,moderate_burden
Ethiopia,2025,urban,male,67,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2022,urban,male,36,35-44,highest,1,1,AirtelTigo Money,18,120.38,"bill_payment,merchant_payment",2,7,moderate_burden
Tanzania,2019,urban,female,30,25-34,second,1,1,Tigo Pesa,11,98.61,"airtime_purchase,loan_repayment,merchant_payment,savings",3,3,moderate_burden
Malawi,2019,urban,male,61,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2024,rural,male,62,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2018,rural,male,56,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Nigeria,2021,rural,female,54,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2020,rural,male,37,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,7,12,moderate_burden
Ethiopia,2019,rural,male,61,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2023,urban,female,32,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2018,rural,male,29,25-34,highest,1,0, PalmPay,0,0.0,none,6,4,moderate_burden
Tanzania,2018,rural,male,58,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2021,rural,female,36,35-44,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2021,urban,male,44,35-44,highest,1,0,M-Pesa,0,0.0,none,10,1,moderate_burden
Mozambique,2021,rural,female,51,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2018,rural,male,28,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2023,rural,female,57,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2022,rural,female,61,55+,middle,1,1,Airtel Money,9,88.87,"savings,bill_payment,cash_withdrawal,cash_deposit,airtime_purchase",2,2,moderate_burden
Malawi,2025,rural,female,60,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2018,rural,male,37,35-44,second,1,0,Airtel Money,0,0.0,none,7,5,moderate_burden
Senegal,2019,urban,male,15,15-24,fourth,1,1,Wave,9,160.71,"international_remittance,person_to_person",10,8,moderate_burden
South Africa,2024,rural,female,61,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2024,rural,female,68,55+,highest,1,0,M-Pesa,0,0.0,none,2,9,moderate_burden
DRC,2023,rural,female,28,25-34,middle,1,0,Orange Money,0,0.0,none,10,2,moderate_burden
Ethiopia,2024,rural,female,72,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2020,urban,male,16,15-24,fourth,1,1,Wave,13,59.12,"bill_payment,international_remittance",4,9,moderate_burden
Zambia,2025,urban,male,27,25-34,fourth,1,1,MTN Mobile Money,13,61.25,"airtime_purchase,international_remittance,cash_withdrawal,loan_repayment",9,16,moderate_burden
Zambia,2021,urban,female,67,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2025,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2024,rural,male,44,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2022,rural,male,67,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2021,urban,male,24,15-24,second,1,0,Orange Money,0,0.0,none,8,4,moderate_burden
Niger,2018,urban,female,55,45-54,highest,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2020,rural,male,60,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2019,urban,male,54,45-54,middle,1,1,e-Mola,16,83.28,"merchant_payment,loan_repayment,savings",10,8,moderate_burden
South Africa,2022,urban,female,34,25-34,second,1,0,FNB eWallet,0,0.0,none,6,9,moderate_burden
Kenya,2019,urban,male,42,35-44,middle,1,1,M-Pesa,19,142.97,"cash_withdrawal,merchant_payment,loan_repayment,international_remittance,savings",2,6,moderate_burden
Kenya,2019,rural,male,66,55+,second,1,0,M-Pesa,0,0.0,none,7,11,moderate_burden
Senegal,2025,urban,female,24,15-24,second,1,1,Wave,10,268.31,"person_to_person,merchant_payment,cash_deposit",7,2,moderate_burden
Uganda,2019,rural,male,56,55+,middle,1,0,Airtel Money,0,0.0,none,6,11,moderate_burden
DRC,2018,urban,female,48,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2022,rural,female,16,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2019,urban,female,21,15-24,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2021,urban,male,51,45-54,middle,1,1,MTN Mobile Money,14,86.4,"airtime_purchase,cash_deposit",10,11,moderate_burden
Uganda,2025,rural,male,47,45-54,highest,1,1,MTN Mobile Money,7,52.62,"bill_payment,cash_deposit,airtime_purchase,merchant_payment",5,9,moderate_burden
Ethiopia,2018,rural,female,67,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2019,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2019,rural,male,30,25-34,second,1,0,Airtel Money,0,0.0,none,10,4,moderate_burden
Niger,2021,rural,male,38,35-44,second,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2022,urban,male,71,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2019,urban,female,28,25-34,fourth,1,1,Airtel Money,12,196.48,"merchant_payment,cash_withdrawal,cash_deposit",7,9,moderate_burden
Kenya,2025,urban,male,50,45-54,middle,1,1,Airtel Money,8,112.01,"airtime_purchase,loan_repayment,cash_deposit",5,12,moderate_burden
Niger,2020,rural,male,22,15-24,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2024,rural,female,25,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2025,rural,male,57,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2020,rural,female,68,55+,lowest,1,0,Wari,0,0.0,none,6,2,moderate_burden
Rwanda,2020,rural,female,26,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2019,rural,male,55,45-54,middle,1,1,MTN Mobile Money,7,94.92,"bill_payment,savings,airtime_purchase,cash_withdrawal,international_remittance",7,8,moderate_burden
Zambia,2022,urban,male,64,55+,fourth,1,1,MTN Mobile Money,9,165.12,"savings,bill_payment,person_to_person,cash_deposit",5,12,moderate_burden
Ethiopia,2022,urban,male,17,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2022,urban,female,41,35-44,second,1,0,Moov Money,0,0.0,none,10,4,moderate_burden
Zambia,2025,rural,male,26,25-34,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2024,rural,male,15,15-24,middle,1,0,Airtel Money,0,0.0,none,4,12,moderate_burden
Tanzania,2018,urban,male,72,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2021,rural,female,27,25-34,lowest,1,0,Wave,0,0.0,none,3,11,moderate_burden
Malawi,2019,rural,male,24,15-24,second,1,0,Airtel Money,0,0.0,none,9,2,moderate_burden
Tanzania,2023,urban,female,71,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2019,rural,male,22,15-24,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2018,rural,male,15,15-24,middle,1,0,M-Pesa,0,0.0,none,3,1,moderate_burden
Uganda,2025,rural,male,57,55+,middle,1,1,MTN Mobile Money,14,119.68,"loan_repayment,international_remittance,merchant_payment",10,11,moderate_burden
Niger,2021,rural,female,25,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2024,urban,female,60,55+,lowest,1,0,Wave,0,0.0,none,10,1,moderate_burden
Zambia,2022,urban,female,68,55+,middle,1,0,Zamtel Kwacha,0,0.0,none,3,1,moderate_burden
Uganda,2024,rural,male,21,15-24,second,1,1,MTN Mobile Money,13,123.84,"savings,person_to_person,cash_withdrawal,cash_deposit",10,10,moderate_burden
Niger,2022,urban,male,36,35-44,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2021,rural,male,20,15-24,second,1,0,Orange Money,0,0.0,none,8,5,moderate_burden
DRC,2025,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2022,rural,male,69,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2024,rural,female,69,55+,middle,1,1,Tigo Pesa,7,100.16,"bill_payment,international_remittance,airtime_purchase,cash_withdrawal",3,13,moderate_burden
Senegal,2018,urban,female,52,45-54,middle,1,0,Wave,0,0.0,none,6,7,moderate_burden
Uganda,2021,urban,female,67,55+,middle,1,0,MTN Mobile Money,0,0.0,none,9,9,moderate_burden
DRC,2021,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2020,rural,female,20,15-24,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2025,urban,male,74,55+,middle,1,1,Tigo Pesa,16,170.83,"person_to_person,loan_repayment,merchant_payment,cash_deposit",10,11,moderate_burden
Ethiopia,2019,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2018,rural,male,43,35-44,highest,1,0,Airtel Money,0,0.0,none,1,3,moderate_burden
Nigeria,2024,rural,male,73,55+,highest,1,0,OPay,0,0.0,none,2,13,moderate_burden
Tanzania,2018,rural,male,30,25-34,lowest,1,1,M-Pesa,6,45.87,"bill_payment,international_remittance,airtime_purchase,merchant_payment",5,2,moderate_burden
Ghana,2021,rural,female,41,35-44,highest,1,0,Vodafone Cash,0,0.0,none,1,3,moderate_burden
Malawi,2020,urban,male,50,45-54,second,1,0,TNM Mpamba,0,0.0,none,2,1,moderate_burden
Rwanda,2023,rural,male,40,35-44,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2023,rural,female,53,45-54,second,1,0,MTN Mobile Money,0,0.0,none,8,11,moderate_burden
Mozambique,2024,rural,male,65,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2025,urban,male,66,55+,lowest,1,1,Paga,6,206.26,"cash_deposit,cash_withdrawal",9,11,moderate_burden
Rwanda,2019,rural,male,63,55+,fourth,1,0,Airtel Money,0,0.0,none,1,2,moderate_burden
Kenya,2021,rural,female,36,35-44,middle,1,0,M-Pesa,0,0.0,none,3,11,moderate_burden
Kenya,2024,urban,male,38,35-44,middle,1,1,Airtel Money,8,66.79,"cash_deposit,person_to_person,cash_withdrawal,airtime_purchase",7,7,moderate_burden
DRC,2019,rural,female,15,15-24,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2018,urban,female,72,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2024,rural,female,24,15-24,fourth,1,1,Airtel Money,6,83.54,"bill_payment,cash_withdrawal",7,9,moderate_burden
Mozambique,2020,rural,female,54,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2020,rural,female,34,25-34,lowest,1,0,Wari,0,0.0,none,5,10,moderate_burden
Niger,2018,rural,male,69,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
DRC,2019,rural,female,67,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2020,rural,female,69,55+,highest,1,1,MTN Mobile Money,2,91.97,"airtime_purchase,merchant_payment,bill_payment,cash_withdrawal",9,5,moderate_burden
Mali,2018,rural,female,19,15-24,fourth,1,0,Moov Money,0,0.0,none,10,1,moderate_burden
Uganda,2018,rural,female,51,45-54,second,1,0,Airtel Money,0,0.0,none,10,9,moderate_burden
DRC,2021,rural,male,65,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2022,rural,male,37,35-44,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2020,rural,male,36,35-44,second,1,1,Tigo Pesa,7,87.59,"cash_deposit,savings,loan_repayment,airtime_purchase",5,8,moderate_burden
Nigeria,2021,rural,female,20,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2018,urban,male,20,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2019,rural,female,49,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2025,rural,female,25,15-24,fourth,1,0,M-Pesa,0,0.0,none,6,5,moderate_burden
Tanzania,2021,urban,female,74,55+,lowest,1,1,M-Pesa,10,185.42,"merchant_payment,loan_repayment,cash_withdrawal",3,12,moderate_burden
Ethiopia,2020,rural,female,73,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2018,rural,male,37,35-44,second,1,0,FNB eWallet,0,0.0,none,3,4,moderate_burden
Rwanda,2025,rural,male,60,55+,middle,1,0,Airtel Money,0,0.0,none,5,10,moderate_burden
Mali,2025,urban,male,59,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2018,urban,female,41,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2023,rural,female,74,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2021,rural,male,59,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2025,urban,female,25,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2018,rural,male,24,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2019,rural,female,51,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2022,urban,male,47,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2019,rural,male,45,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2021,urban,male,56,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2021,rural,male,21,15-24,fourth,1,1,MTN Mobile Money,9,57.55,"cash_withdrawal,bill_payment",8,2,moderate_burden
Zambia,2021,urban,female,23,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2020,rural,female,46,45-54,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2019,rural,female,58,55+,highest,1,1,e-Mola,2,30.51,"cash_deposit,cash_withdrawal,merchant_payment,bill_payment,person_to_person",4,10,moderate_burden
Uganda,2023,urban,female,45,35-44,middle,1,0,Airtel Money,0,0.0,none,5,3,moderate_burden
Mozambique,2023,rural,female,21,15-24,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2025,rural,male,44,35-44,lowest,1,1,Tigo Pesa,9,78.37,"cash_deposit,loan_repayment,bill_payment",9,8,moderate_burden
Niger,2024,rural,female,62,55+,second,1,0,Airtel Money,0,0.0,none,2,11,moderate_burden
Malawi,2022,rural,male,19,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2025,rural,male,18,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2023,rural,male,24,15-24,fourth,1,1,Zamtel Kwacha,4,72.18,"savings,merchant_payment,international_remittance,person_to_person,cash_withdrawal",4,6,moderate_burden
DRC,2018,urban,male,49,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2024,rural,male,59,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2020,rural,female,48,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2022,rural,female,60,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2022,rural,male,18,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2018,urban,male,26,25-34,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2024,rural,male,35,25-34,middle,1,0,TNM Mpamba,0,0.0,none,4,5,moderate_burden
Mali,2019,rural,male,62,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2019,rural,female,64,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2021,rural,male,55,45-54,second,1,0,Vodapay,0,0.0,none,9,3,moderate_burden
Zambia,2021,rural,male,51,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2020,rural,male,51,45-54,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2021,rural,female,39,35-44,second,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2021,rural,female,61,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Rwanda,2023,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2025,urban,male,65,55+,second,1,0,MTN Mobile Money,0,0.0,none,4,12,moderate_burden
DRC,2023,urban,female,55,45-54,fourth,1,1,Airtel Money,15,125.22,"cash_deposit,cash_withdrawal,international_remittance,savings",3,7,moderate_burden
Zambia,2019,urban,female,39,35-44,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2023,urban,male,43,35-44,lowest,1,0,Zamtel Kwacha,0,0.0,none,5,11,moderate_burden
Mali,2022,rural,male,28,25-34,middle,1,0,Orange Money,0,0.0,none,9,5,moderate_burden
Senegal,2022,urban,male,59,55+,fourth,1,1,Orange Money,14,52.35,"person_to_person,loan_repayment",5,11,moderate_burden
Senegal,2021,rural,female,31,25-34,fourth,1,1,Wari,16,184.42,"savings,person_to_person,airtime_purchase,loan_repayment,cash_withdrawal",2,10,moderate_burden
Niger,2019,rural,male,31,25-34,highest,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2024,urban,female,39,35-44,middle,1,1,FNB eWallet,13,74.6,"merchant_payment,cash_deposit,airtime_purchase,loan_repayment,savings",7,10,moderate_burden
Niger,2018,rural,female,65,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2024,urban,female,57,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2022,rural,female,31,25-34,second,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2025,rural,male,70,55+,highest,1,0,Tigo Pesa,0,0.0,none,1,2,moderate_burden
Mozambique,2023,urban,female,60,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2024,rural,male,54,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2019,rural,female,28,25-34,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2018,urban,male,16,15-24,highest,1,0,M-Birr,0,0.0,none,5,5,moderate_burden
Rwanda,2021,urban,male,69,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2020,rural,male,35,25-34,middle,1,1,Airtel Money,7,85.38,"person_to_person,airtime_purchase,international_remittance",5,2,moderate_burden
Ethiopia,2021,rural,male,39,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2020,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2024,urban,female,18,15-24,middle,1,0,Airtel Money,0,0.0,none,5,16,moderate_burden
Mozambique,2022,urban,female,59,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2023,urban,female,17,15-24,middle,1,0,FNB eWallet,0,0.0,none,10,8,moderate_burden
Tanzania,2018,rural,male,33,25-34,fourth,1,0,Airtel Money,0,0.0,none,8,9,moderate_burden
Niger,2025,rural,male,60,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2023,urban,male,52,45-54,second,1,0,Wari,0,0.0,none,4,2,moderate_burden
Tanzania,2021,rural,female,59,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2020,urban,male,58,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2018,rural,male,73,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2024,rural,female,63,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2022,urban,male,33,25-34,highest,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2023,rural,male,54,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2025,urban,male,40,35-44,highest,1,0,M-Birr,0,0.0,none,5,16,moderate_burden
Ethiopia,2019,urban,male,30,25-34,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2020,rural,male,51,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2019,rural,female,17,15-24,highest,1,0,Orange Money,0,0.0,none,10,11,moderate_burden
South Africa,2023,urban,male,69,55+,lowest,1,0,Vodapay,0,0.0,none,10,3,moderate_burden
Mali,2021,rural,female,42,35-44,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2025,rural,male,23,15-24,fourth,1,0,Vodafone Cash,0,0.0,none,3,16,moderate_burden
Senegal,2023,rural,male,38,35-44,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2023,rural,female,52,45-54,middle,1,1,Moov Money,9,88.14,"airtime_purchase,merchant_payment,bill_payment",8,15,moderate_burden
Ethiopia,2020,urban,female,59,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2019,urban,female,62,55+,highest,1,0,Vodafone Cash,0,0.0,none,2,7,moderate_burden
Niger,2021,urban,male,72,55+,lowest,1,1,Moov Money,13,79.78,"international_remittance,person_to_person",10,12,moderate_burden
Ghana,2021,urban,female,67,55+,middle,1,0,AirtelTigo Money,0,0.0,none,2,3,moderate_burden
South Africa,2025,rural,male,39,35-44,lowest,1,1,FNB eWallet,6,175.14,"merchant_payment,bill_payment",9,14,moderate_burden
Mali,2024,rural,female,67,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2018,rural,female,17,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2021,rural,female,18,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2023,urban,female,50,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2025,rural,male,59,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2022,urban,male,31,25-34,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2019,rural,female,20,15-24,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2025,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2018,urban,male,39,35-44,lowest,1,0,M-Pesa,0,0.0,none,7,6,moderate_burden
Niger,2021,rural,male,44,35-44,second,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2019,urban,male,28,25-34,lowest,1,0,Airtel Money,0,0.0,none,3,11,moderate_burden
Ghana,2024,rural,male,67,55+,fourth,1,1,Vodafone Cash,8,86.68,"cash_withdrawal,person_to_person,airtime_purchase",8,16,moderate_burden
Rwanda,2022,urban,female,20,15-24,lowest,1,1,MTN Mobile Money,10,89.89,"bill_payment,savings",4,11,moderate_burden
Nigeria,2019,rural,female,30,25-34,highest,1,0,OPay,0,0.0,none,7,6,moderate_burden
Mozambique,2020,rural,male,33,25-34,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2024,rural,female,72,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2021,urban,male,40,35-44,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2023,rural,male,22,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2021,rural,female,43,35-44,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2021,rural,female,35,25-34,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2024,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2021,rural,male,53,45-54,fourth,1,0,Wari,0,0.0,none,5,8,moderate_burden
Malawi,2021,urban,male,45,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2020,rural,male,64,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2022,rural,female,42,35-44,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2024,rural,male,33,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2021,urban,male,68,55+,fourth,1,1,MTN Mobile Money,13,94.36,"international_remittance,cash_deposit,merchant_payment,airtime_purchase",3,4,moderate_burden
Mozambique,2019,urban,male,18,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2019,rural,female,36,35-44,highest,1,1,Airtel Money,11,59.46,"international_remittance,person_to_person",3,3,moderate_burden
Kenya,2021,rural,female,57,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2018,urban,male,72,55+,middle,1,1,Airtel Money,10,71.78,"cash_deposit,international_remittance,airtime_purchase,bill_payment",5,8,moderate_burden
Nigeria,2023,rural,female,37,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2019,rural,female,69,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2024,rural,male,34,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2023,rural,female,70,55+,second,1,0,Orange Money,0,0.0,none,3,6,moderate_burden
Malawi,2020,urban,male,24,15-24,lowest,1,1,Airtel Money,8,63.5,"person_to_person,merchant_payment,bill_payment,cash_withdrawal,savings",10,7,moderate_burden
Zambia,2022,urban,female,40,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2020,urban,female,16,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2018,urban,male,44,35-44,second,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2018,urban,male,32,25-34,lowest,1,1,M-Pesa,19,202.4,"cash_withdrawal,bill_payment,person_to_person,savings,airtime_purchase",4,2,moderate_burden
Zambia,2024,rural,female,15,15-24,second,1,1,Airtel Money,9,112.24,"international_remittance,bill_payment",4,16,moderate_burden
Uganda,2019,rural,female,26,25-34,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2024,rural,female,48,45-54,second,1,1,Wari,10,128.78,"bill_payment,loan_repayment,savings,international_remittance,merchant_payment",2,7,moderate_burden
Mozambique,2018,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2021,rural,female,50,45-54,fourth,1,0,Vodapay,0,0.0,none,8,3,moderate_burden
Senegal,2019,urban,male,28,25-34,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2024,rural,female,39,35-44,highest,1,0,FNB eWallet,0,0.0,none,2,2,moderate_burden
Kenya,2023,urban,female,72,55+,highest,1,0,M-Pesa,0,0.0,none,8,15,moderate_burden
Rwanda,2020,rural,male,32,25-34,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2022,rural,male,72,55+,highest,1,0,Orange Money,0,0.0,none,8,2,moderate_burden
Malawi,2023,rural,male,63,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2018,rural,female,24,15-24,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2025,urban,female,55,45-54,highest,1,0,Paga,0,0.0,none,7,11,moderate_burden
Zambia,2024,rural,female,24,15-24,middle,1,1,Zamtel Kwacha,5,74.58,"cash_deposit,loan_repayment,bill_payment,airtime_purchase,person_to_person",4,11,moderate_burden
Uganda,2020,rural,female,41,35-44,middle,1,1,MTN Mobile Money,4,49.94,"person_to_person,cash_withdrawal",9,12,moderate_burden
DRC,2022,rural,male,61,55+,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2018,rural,female,68,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2022,rural,male,16,15-24,second,1,0,Airtel Money,0,0.0,none,3,3,moderate_burden
Kenya,2021,rural,male,26,25-34,highest,1,1,M-Pesa,9,101.39,"bill_payment,airtime_purchase,cash_deposit",10,1,moderate_burden
Kenya,2021,urban,male,31,25-34,highest,1,1,M-Pesa,17,148.44,"savings,cash_deposit,person_to_person,international_remittance",5,3,moderate_burden
DRC,2018,urban,male,44,35-44,lowest,1,1,Orange Money,13,187.22,"person_to_person,bill_payment,merchant_payment,international_remittance,savings",10,9,moderate_burden
Ethiopia,2019,urban,male,71,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2021,urban,male,44,35-44,fourth,1,1,Vodafone Cash,13,59.65,"airtime_purchase,merchant_payment,cash_withdrawal,loan_repayment",7,7,moderate_burden
South Africa,2023,rural,male,39,35-44,fourth,1,1,Vodapay,10,67.01,"savings,cash_deposit,loan_repayment,merchant_payment",4,1,moderate_burden
Nigeria,2025,urban,female,70,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2019,urban,female,57,55+,highest,1,0,MTN Mobile Money,0,0.0,none,2,10,moderate_burden
Zambia,2021,urban,male,53,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2018,urban,female,61,55+,second,1,1,M-Pesa,15,36.78,"bill_payment,merchant_payment,cash_deposit",7,9,moderate_burden
Rwanda,2020,rural,female,40,35-44,lowest,1,1,Airtel Money,10,41.07,"savings,person_to_person,bill_payment,loan_repayment,international_remittance",5,7,moderate_burden
Nigeria,2025,rural,female,51,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2025,urban,female,22,15-24,second,1,0,M-Pesa,0,0.0,none,10,15,moderate_burden
Mozambique,2025,urban,male,43,35-44,second,1,0,e-Mola,0,0.0,none,10,12,moderate_burden
Uganda,2018,rural,male,30,25-34,middle,1,1,MTN Mobile Money,8,83.74,"person_to_person,bill_payment",3,4,moderate_burden
Zambia,2020,urban,male,72,55+,lowest,1,0,Airtel Money,0,0.0,none,5,1,moderate_burden
South Africa,2025,rural,male,39,35-44,middle,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2018,urban,female,43,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2022,rural,male,63,55+,lowest,1,0,Airtel Money,0,0.0,none,6,9,moderate_burden
DRC,2025,rural,female,59,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2020,rural,female,23,15-24,highest,1,0,M-Pesa,0,0.0,none,10,11,moderate_burden
Niger,2019,rural,female,18,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2024,rural,male,56,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2024,urban,female,53,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2024,rural,male,45,35-44,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2023,rural,male,74,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2018,rural,female,16,15-24,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2025,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2020,rural,female,59,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2019,rural,female,19,15-24,highest,1,0,M-Pesa,0,0.0,none,2,4,moderate_burden
DRC,2023,rural,female,33,25-34,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2024,rural,female,58,55+,lowest,1,0,M-Pesa,0,0.0,none,5,16,moderate_burden
Nigeria,2020,rural,female,61,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2022,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2020,rural,female,36,35-44,fourth,1,1,Airtel Money,10,31.33,"person_to_person,savings,cash_withdrawal,bill_payment,cash_deposit",4,11,moderate_burden
Mali,2024,urban,male,61,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2018,rural,male,60,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2022,urban,female,35,25-34,middle,1,1,Orange Money,12,88.9,"loan_repayment,cash_withdrawal",5,9,moderate_burden
Zambia,2025,rural,male,45,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2019,rural,female,25,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2018,urban,male,45,35-44,middle,1,1,Wave,19,175.04,"merchant_payment,international_remittance,bill_payment,cash_withdrawal",6,8,moderate_burden
South Africa,2024,rural,male,68,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2021,urban,female,54,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2024,rural,male,21,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2018,rural,female,57,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2023,urban,male,61,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2020,rural,female,69,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2021,urban,female,37,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2019,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2018,rural,female,15,15-24,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2025,rural,female,51,45-54,highest,1,0,FNB eWallet,0,0.0,none,9,2,moderate_burden
Nigeria,2019,rural,male,34,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2019,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2025,urban,male,63,55+,second,1,0,Airtel Money,0,0.0,none,8,4,moderate_burden
Ethiopia,2022,rural,male,32,25-34,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2022,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2024,urban,female,22,15-24,fourth,1,0,Vodafone Cash,0,0.0,none,8,6,moderate_burden
Ghana,2019,urban,female,19,15-24,lowest,1,0,AirtelTigo Money,0,0.0,none,9,1,moderate_burden
DRC,2021,rural,male,74,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2020,urban,female,57,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2018,rural,male,73,55+,middle,1,1,Tigo Pesa,5,54.13,"person_to_person,savings,loan_repayment",8,1,moderate_burden
Tanzania,2025,rural,female,74,55+,lowest,1,0,Airtel Money,0,0.0,none,2,3,moderate_burden
DRC,2022,urban,female,49,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2018,rural,female,26,25-34,second,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2021,urban,female,37,35-44,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2025,rural,male,50,45-54,fourth,1,1,Paga,3,222.92,"international_remittance,airtime_purchase,cash_deposit",5,10,moderate_burden
Nigeria,2021,urban,male,19,15-24,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2019,rural,female,68,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2018,rural,male,23,15-24,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2019,rural,female,37,35-44,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2019,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2023,urban,male,22,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2019,urban,male,58,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,8,7,moderate_burden
Mali,2023,rural,male,35,25-34,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2022,urban,male,17,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,10,8,moderate_burden
Nigeria,2020,urban,male,44,35-44,second,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2021,urban,male,58,55+,fourth,1,1,Airtel Money,8,79.07,"cash_deposit,cash_withdrawal,person_to_person,bill_payment,merchant_payment",9,7,moderate_burden
Tanzania,2025,rural,female,57,55+,second,1,0,Tigo Pesa,0,0.0,none,4,17,moderate_burden
Uganda,2020,rural,female,32,25-34,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2019,urban,male,40,35-44,lowest,1,1,AirtelTigo Money,13,199.99,"merchant_payment,loan_repayment,bill_payment",3,9,moderate_burden
Ghana,2021,rural,female,26,25-34,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2021,urban,female,69,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2018,urban,male,66,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2025,urban,female,55,45-54,middle,1,0,M-Pesa,0,0.0,none,9,4,moderate_burden
Senegal,2022,urban,female,17,15-24,second,1,0,Wari,0,0.0,none,10,2,moderate_burden
Niger,2018,rural,male,64,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2021,rural,male,37,35-44,fourth,1,1,Orange Money,7,37.83,"merchant_payment,international_remittance,airtime_purchase,bill_payment",7,11,moderate_burden
Kenya,2024,rural,female,15,15-24,lowest,1,1,M-Pesa,8,112.88,"bill_payment,international_remittance",5,8,moderate_burden
Niger,2018,urban,male,24,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2019,rural,female,46,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2023,rural,female,34,25-34,highest,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2022,urban,male,66,55+,middle,1,0,FNB eWallet,0,0.0,none,6,2,moderate_burden
Mali,2019,rural,female,65,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2025,rural,male,73,55+,middle,1,0,MTN Mobile Money,0,0.0,none,6,16,moderate_burden
Malawi,2025,rural,female,63,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2023,rural,male,52,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2024,urban,female,53,45-54,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2023,urban,male,58,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2018,rural,female,40,35-44,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2019,urban,female,60,55+,middle,1,0,e-Mola,0,0.0,none,6,3,moderate_burden
Uganda,2023,rural,male,70,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2023,urban,male,52,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2024,rural,male,54,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2022,rural,male,48,45-54,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2020,urban,female,21,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2025,urban,male,61,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2018,urban,female,70,55+,second,1,1,Tigo Pesa,6,100.68,"loan_repayment,airtime_purchase",9,2,moderate_burden
Zambia,2021,urban,male,28,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2024,rural,male,71,55+,highest,1,0,Airtel Money,0,0.0,none,6,7,moderate_burden
Mozambique,2021,urban,female,68,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2022,rural,female,42,35-44,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2019,rural,female,66,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2020,rural,male,20,15-24,highest,1,1,MTN Mobile Money,4,41.7,"bill_payment,cash_deposit",7,1,moderate_burden
Ethiopia,2018,rural,male,45,35-44,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2019,rural,female,63,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2021,rural,male,51,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2019,rural,female,23,15-24,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2021,rural,female,69,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2024,urban,female,61,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2022,urban,male,46,45-54,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2023,rural,male,74,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2024,urban,male,52,45-54,fourth,1,0,Orange Money,0,0.0,none,9,15,moderate_burden
Uganda,2021,urban,male,67,55+,second,1,1,MTN Mobile Money,25,155.32,"loan_repayment,person_to_person,airtime_purchase,cash_withdrawal",10,1,moderate_burden
Niger,2020,rural,female,66,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2018,rural,female,28,25-34,middle,1,0,M-Pesa,0,0.0,none,10,8,moderate_burden
Mali,2023,urban,female,16,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2022,urban,female,71,55+,highest,1,1,Orange Money,7,43.59,"person_to_person,merchant_payment,airtime_purchase",8,4,moderate_burden
Mali,2021,urban,male,16,15-24,highest,1,0,Orange Money,0,0.0,none,7,13,moderate_burden
Rwanda,2021,urban,male,15,15-24,fourth,1,0,Airtel Money,0,0.0,none,3,2,moderate_burden
Ethiopia,2018,rural,male,36,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2023,urban,female,39,35-44,second,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2023,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2024,urban,female,65,55+,fourth,1,1,Moov Money,10,254.35,"airtime_purchase,savings,cash_withdrawal",5,15,moderate_burden
Uganda,2023,urban,female,73,55+,lowest,1,1,MTN Mobile Money,15,57.1,"cash_deposit,loan_repayment,merchant_payment",3,3,moderate_burden
Kenya,2019,rural,male,33,25-34,middle,1,1,M-Pesa,9,63.29,"cash_deposit,loan_repayment,bill_payment,international_remittance",7,11,moderate_burden
Mozambique,2025,urban,female,68,55+,middle,1,1,e-Mola,11,107.92,"merchant_payment,cash_deposit",8,6,moderate_burden
DRC,2018,rural,male,51,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2022,urban,female,66,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2025,rural,female,52,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2023,urban,female,15,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2023,rural,female,70,55+,lowest,1,1,Wari,5,58.12,"loan_repayment,person_to_person,international_remittance,bill_payment,merchant_payment",5,10,moderate_burden
Malawi,2024,urban,male,50,45-54,fourth,1,1,Airtel Money,6,83.0,"bill_payment,person_to_person,merchant_payment,savings,international_remittance",5,1,moderate_burden
Niger,2018,urban,male,21,15-24,fourth,1,1,Moov Money,14,193.49,"loan_repayment,bill_payment,cash_deposit,savings",8,7,moderate_burden
Rwanda,2025,rural,male,34,25-34,second,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2023,urban,male,73,55+,middle,1,0,Orange Money,0,0.0,none,6,7,moderate_burden
Mali,2019,urban,female,39,35-44,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2023,urban,male,17,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2025,urban,male,71,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2022,urban,female,62,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2020,rural,male,33,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2022,urban,female,15,15-24,highest,1,0,M-Pesa,0,0.0,none,6,4,moderate_burden
Nigeria,2024,urban,male,46,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2025,rural,female,26,25-34,fourth,1,0,Airtel Money,0,0.0,none,9,14,moderate_burden
Niger,2023,urban,female,19,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2021,rural,female,25,15-24,highest,1,1,FNB eWallet,11,72.87,"merchant_payment,cash_withdrawal",10,6,moderate_burden
Tanzania,2018,urban,male,58,55+,fourth,1,1,Tigo Pesa,12,117.02,"bill_payment,international_remittance",6,5,moderate_burden
Malawi,2023,urban,female,31,25-34,middle,1,1,TNM Mpamba,14,94.58,"airtime_purchase,cash_withdrawal,person_to_person,loan_repayment",9,2,moderate_burden
Ghana,2024,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2018,rural,female,46,45-54,lowest,1,1,Airtel Money,12,111.03,"person_to_person,loan_repayment,merchant_payment,cash_withdrawal,savings",8,8,moderate_burden
Uganda,2019,urban,male,64,55+,second,1,0,Airtel Money,0,0.0,none,6,1,moderate_burden
Rwanda,2024,rural,male,26,25-34,highest,1,1,Airtel Money,7,80.35,"merchant_payment,airtime_purchase",10,8,moderate_burden
Rwanda,2022,rural,female,70,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2024,rural,male,64,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2025,rural,male,61,55+,middle,1,0,AirtelTigo Money,0,0.0,none,9,5,moderate_burden
Nigeria,2025,rural,male,62,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2021,urban,female,54,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2018,urban,male,61,55+,highest,1,1,Zamtel Kwacha,12,92.72,"international_remittance,person_to_person,merchant_payment,cash_deposit",4,3,moderate_burden
Niger,2018,rural,female,20,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2022,urban,female,56,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2018,rural,female,60,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2019,urban,male,22,15-24,second,1,0,M-Pesa,0,0.0,none,3,1,moderate_burden
Kenya,2022,urban,female,65,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2023,urban,female,66,55+,lowest,1,0,Airtel Money,0,0.0,none,10,9,moderate_burden
Ethiopia,2019,urban,male,56,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2019,rural,female,47,45-54,second,1,0,Moov Money,0,0.0,none,5,6,moderate_burden
Mozambique,2025,urban,male,59,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2024,urban,female,38,35-44,lowest,1,1,Airtel Money,13,66.62,"savings,loan_repayment,international_remittance",2,4,moderate_burden
Kenya,2022,urban,male,67,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2021,urban,male,63,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2019,urban,female,54,45-54,second,1,0,MTN Mobile Money,0,0.0,none,5,9,moderate_burden
DRC,2020,rural,female,57,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2021,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2022,rural,male,19,15-24,lowest,1,0,Airtel Money,0,0.0,none,7,4,moderate_burden
Tanzania,2021,rural,female,17,15-24,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2025,rural,female,43,35-44,second,1,0,Moov Money,0,0.0,none,8,3,moderate_burden
Mozambique,2025,urban,male,21,15-24,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2023,urban,female,61,55+,middle,1,0,MTN Mobile Money,0,0.0,none,10,10,moderate_burden
Tanzania,2020,urban,male,19,15-24,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2020,rural,male,49,45-54,middle,1,0,AirtelTigo Money,0,0.0,none,4,4,moderate_burden
Tanzania,2019,rural,male,63,55+,fourth,1,0,Airtel Money,0,0.0,none,7,7,moderate_burden
Mozambique,2022,rural,male,18,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2023,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2024,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2023,urban,male,59,55+,second,1,1,TNM Mpamba,15,58.73,"loan_repayment,savings,bill_payment",6,7,moderate_burden
Senegal,2020,urban,female,54,45-54,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2025,rural,female,59,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2025,rural,male,29,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2018,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2019,urban,male,46,45-54,fourth,1,0,Airtel Money,0,0.0,none,6,2,moderate_burden
Ethiopia,2020,urban,male,34,25-34,fourth,1,1,telebirr,12,59.49,"loan_repayment,cash_withdrawal,person_to_person,bill_payment,international_remittance",8,11,moderate_burden
Kenya,2019,urban,male,70,55+,second,1,0,Airtel Money,0,0.0,none,10,4,moderate_burden
Mozambique,2019,urban,female,15,15-24,lowest,1,0,e-Mola,0,0.0,none,6,11,moderate_burden
Niger,2020,rural,female,65,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2023,rural,female,55,45-54,highest,1,0,Vodapay,0,0.0,none,8,14,moderate_burden
Kenya,2018,rural,female,31,25-34,middle,1,1,Airtel Money,4,159.59,"savings,person_to_person",3,6,moderate_burden
Kenya,2019,urban,female,17,15-24,middle,1,1,Airtel Money,10,60.69,"international_remittance,loan_repayment,savings",10,10,moderate_burden
Ethiopia,2023,urban,male,22,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2019,rural,male,74,55+,fourth,1,1,Airtel Money,8,102.38,"cash_withdrawal,international_remittance,merchant_payment,person_to_person,cash_deposit",5,7,moderate_burden
Senegal,2024,urban,male,17,15-24,highest,1,0,Orange Money,0,0.0,none,9,4,moderate_burden
Senegal,2018,urban,female,46,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2018,urban,female,63,55+,highest,1,0,Vodapay,0,0.0,none,10,5,moderate_burden
South Africa,2018,urban,male,33,25-34,highest,1,1,MTN Mobile Money,14,67.18,"cash_withdrawal,loan_repayment,cash_deposit,airtime_purchase",9,1,moderate_burden
DRC,2025,urban,male,34,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2019,urban,male,21,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2021,urban,female,72,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2024,urban,male,51,45-54,second,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2025,urban,male,17,15-24,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2019,rural,male,44,35-44,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2020,rural,female,18,15-24,fourth,1,1,telebirr,11,60.89,"international_remittance,cash_withdrawal,merchant_payment,cash_deposit",9,9,moderate_burden
Mozambique,2023,rural,male,20,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2019,urban,female,19,15-24,second,1,1,Airtel Money,11,60.77,"bill_payment,international_remittance",7,2,moderate_burden
Mali,2020,rural,female,39,35-44,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2023,urban,female,33,25-34,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2021,urban,female,33,25-34,highest,1,1,M-Pesa,15,202.43,"cash_withdrawal,international_remittance",3,12,moderate_burden
Kenya,2018,urban,male,22,15-24,second,1,0,Airtel Money,0,0.0,none,10,5,moderate_burden
Uganda,2021,rural,male,47,45-54,highest,1,0,MTN Mobile Money,0,0.0,none,4,1,moderate_burden
Tanzania,2020,rural,male,34,25-34,fourth,1,0,Airtel Money,0,0.0,none,4,7,moderate_burden
Rwanda,2022,rural,male,48,45-54,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2019,urban,male,54,45-54,fourth,1,1,Airtel Money,9,114.94,"merchant_payment,cash_deposit,loan_repayment",7,6,moderate_burden
Uganda,2025,urban,female,42,35-44,second,1,1,MTN Mobile Money,13,40.67,"airtime_purchase,savings,person_to_person",9,7,moderate_burden
Ethiopia,2025,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2018,rural,male,72,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Zambia,2020,urban,female,15,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,3,11,moderate_burden
Ethiopia,2022,urban,male,28,25-34,highest,1,0,M-Birr,0,0.0,none,10,6,moderate_burden
Zambia,2023,rural,male,50,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2023,rural,male,73,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2019,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2024,rural,male,37,35-44,lowest,1,1,Vodafone Cash,11,276.4,"bill_payment,merchant_payment,airtime_purchase",3,4,moderate_burden
DRC,2022,urban,male,15,15-24,second,1,0,Orange Money,0,0.0,none,4,3,moderate_burden
Senegal,2023,rural,male,35,25-34,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2018,rural,male,26,25-34,fourth,1,0,Airtel Money,0,0.0,none,3,5,moderate_burden
Ghana,2019,urban,male,30,25-34,highest,1,0,Vodafone Cash,0,0.0,none,6,8,moderate_burden
Ghana,2019,rural,female,72,55+,second,1,0,MTN Mobile Money,0,0.0,none,9,4,moderate_burden
Rwanda,2023,rural,female,36,35-44,second,1,0,Airtel Money,0,0.0,none,8,14,moderate_burden
Senegal,2018,rural,female,37,35-44,second,1,1,Wave,13,207.6,"merchant_payment,airtime_purchase,cash_withdrawal",10,5,moderate_burden
Tanzania,2024,urban,male,29,25-34,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2021,rural,female,48,45-54,middle,1,0,Wari,0,0.0,none,1,10,moderate_burden
Malawi,2023,rural,female,54,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2023,rural,male,46,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2021,rural,female,43,35-44,middle,1,0,Wave,0,0.0,none,7,5,moderate_burden
Niger,2025,urban,female,53,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2025,rural,female,45,35-44,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2025,urban,female,66,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2020,rural,male,62,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2023,rural,male,66,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2023,rural,female,44,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2023,rural,male,29,25-34,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2018,rural,female,59,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2018,urban,female,31,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2021,rural,female,53,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2025,urban,male,39,35-44,lowest,1,0,Airtel Money,0,0.0,none,7,2,moderate_burden
DRC,2022,rural,female,15,15-24,fourth,1,0,M-Pesa,0,0.0,none,10,3,moderate_burden
Ghana,2019,urban,male,22,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2023,urban,female,72,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2020,urban,male,19,15-24,middle,1,1,TNM Mpamba,14,95.73,"cash_deposit,airtime_purchase,loan_repayment,international_remittance,savings",5,1,moderate_burden
Mozambique,2020,urban,female,69,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2022,rural,female,23,15-24,middle,1,1,Airtel Money,7,195.53,"merchant_payment,cash_withdrawal",10,10,moderate_burden
Tanzania,2023,rural,female,67,55+,highest,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2022,urban,male,48,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2018,rural,female,51,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2019,urban,female,47,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2021,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2021,urban,female,42,35-44,lowest,1,0,Airtel Money,0,0.0,none,9,10,moderate_burden
Niger,2018,urban,male,31,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2024,rural,male,35,25-34,middle,1,0,M-Pesa,0,0.0,none,3,5,moderate_burden
Malawi,2018,rural,female,19,15-24,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2021,urban,female,41,35-44,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Nigeria,2019,urban,female,35,25-34,second,1,1,OPay,12,86.58,"cash_deposit,person_to_person",10,4,moderate_burden
Niger,2021,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2019,rural,male,60,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2025,urban,male,20,15-24,middle,1,0,OPay,0,0.0,none,9,17,moderate_burden
Mozambique,2019,urban,male,27,25-34,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2020,rural,male,49,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2020,rural,female,57,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2023,urban,female,57,55+,middle,1,0,Tigo Pesa,0,0.0,none,4,14,moderate_burden
Tanzania,2022,rural,female,43,35-44,highest,1,0,Tigo Pesa,0,0.0,none,2,10,moderate_burden
Ethiopia,2021,rural,female,70,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2025,rural,male,61,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2022,rural,male,56,55+,second,1,0,Tigo Pesa,0,0.0,none,7,14,moderate_burden
Mali,2018,urban,male,40,35-44,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2018,rural,male,33,25-34,second,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2018,urban,male,65,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2023,rural,male,15,15-24,fourth,1,0,Wari,0,0.0,none,2,13,moderate_burden
Rwanda,2025,rural,male,58,55+,middle,1,1,MTN Mobile Money,9,27.57,"bill_payment,international_remittance,cash_deposit",7,13,moderate_burden
Mali,2018,rural,female,62,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2021,rural,male,70,55+,second,1,0,MTN Mobile Money,0,0.0,none,4,2,moderate_burden
Ethiopia,2018,rural,female,44,35-44,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Uganda,2024,urban,male,27,25-34,fourth,1,1,Airtel Money,12,207.97,"savings,person_to_person,loan_repayment",10,12,moderate_burden
Tanzania,2020,rural,female,47,45-54,highest,1,0,Airtel Money,0,0.0,none,7,9,moderate_burden
Rwanda,2020,urban,female,40,35-44,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2024,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2024,rural,female,53,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,6,5,moderate_burden
Ghana,2023,rural,female,20,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2022,rural,female,24,15-24,middle,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Niger,2018,rural,female,45,35-44,second,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2025,rural,male,50,45-54,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2019,rural,female,67,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2020,rural,male,46,45-54,highest,1,0,M-Pesa,0,0.0,none,9,4,moderate_burden
Nigeria,2018,rural,female,65,55+,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2022,urban,female,22,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2018,rural,male,58,55+,middle,1,0,Airtel Money,0,0.0,none,9,9,moderate_burden
Zambia,2018,rural,female,29,25-34,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2018,urban,male,55,45-54,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2024,urban,female,37,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2019,rural,male,49,45-54,second,1,0,Airtel Money,0,0.0,none,5,11,moderate_burden
Niger,2019,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2022,rural,male,35,25-34,fourth,1,0,Zamtel Kwacha,0,0.0,none,5,2,moderate_burden
Senegal,2025,rural,male,25,15-24,highest,1,0,Orange Money,0,0.0,none,3,17,moderate_burden
Mali,2020,rural,male,26,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2022,urban,female,25,15-24,middle,1,0,TNM Mpamba,0,0.0,none,7,11,moderate_burden
Ethiopia,2023,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2018,urban,female,52,45-54,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2021,urban,male,60,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2019,urban,female,20,15-24,highest,1,1,Tigo Pesa,11,56.57,"merchant_payment,airtime_purchase",8,10,moderate_burden
Mozambique,2019,rural,male,22,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2025,rural,female,60,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2023,rural,female,60,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2024,rural,female,49,45-54,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2019,rural,female,22,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2019,urban,female,60,55+,middle,1,0,FNB eWallet,0,0.0,none,7,5,moderate_burden
Ghana,2024,rural,female,74,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2023,urban,female,29,25-34,middle,1,0,TNM Mpamba,0,0.0,none,3,8,moderate_burden
South Africa,2018,urban,male,51,45-54,second,1,1,MTN Mobile Money,17,54.96,"person_to_person,savings,cash_withdrawal,airtime_purchase",6,2,moderate_burden
Mali,2024,urban,male,68,55+,fourth,1,1,Orange Money,9,63.56,"person_to_person,cash_withdrawal,bill_payment",10,9,moderate_burden
Mali,2022,urban,male,46,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2020,urban,female,45,35-44,highest,1,1,MTN Mobile Money,14,73.32,"savings,bill_payment,loan_repayment",9,12,moderate_burden
Mozambique,2021,rural,female,59,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2019,rural,male,36,35-44,second,1,0,Vodafone Cash,0,0.0,none,7,8,moderate_burden
DRC,2018,rural,female,48,45-54,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2020,urban,male,33,25-34,middle,1,0,Airtel Money,0,0.0,none,9,7,moderate_burden
Malawi,2019,urban,male,64,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2023,rural,male,73,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2024,rural,male,20,15-24,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2023,rural,female,41,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,4,15,moderate_burden
Niger,2022,rural,female,42,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2025,urban,female,26,25-34,middle,1,1,Moov Money,14,275.47,"bill_payment,international_remittance,person_to_person",3,6,moderate_burden
Niger,2018,urban,female,74,55+,highest,1,1,Moov Money,12,70.64,"bill_payment,airtime_purchase,loan_repayment,cash_withdrawal",7,1,moderate_burden
Kenya,2025,rural,female,26,25-34,lowest,1,0,M-Pesa,0,0.0,none,2,7,moderate_burden
Senegal,2018,rural,male,42,35-44,second,1,1,Wave,11,74.31,"merchant_payment,bill_payment,airtime_purchase",1,4,moderate_burden
Mozambique,2019,urban,male,37,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2024,urban,female,26,25-34,lowest,1,0,M-Pesa,0,0.0,none,4,7,moderate_burden
DRC,2021,rural,male,68,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2018,urban,female,48,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2023,urban,female,46,45-54,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2023,urban,female,74,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2024,rural,male,45,35-44,fourth,1,1,FNB eWallet,10,64.58,"person_to_person,bill_payment,international_remittance,cash_deposit,merchant_payment",9,11,moderate_burden
Kenya,2020,rural,female,39,35-44,second,1,1,M-Pesa,17,73.29,"cash_withdrawal,cash_deposit",6,9,moderate_burden
Niger,2022,rural,male,19,15-24,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2022,rural,male,65,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2021,rural,male,36,35-44,lowest,1,0,Moov Money,0,0.0,none,2,2,moderate_burden
Senegal,2020,rural,male,45,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2022,rural,female,44,35-44,middle,1,0,AirtelTigo Money,0,0.0,none,4,3,moderate_burden
Rwanda,2019,rural,male,51,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,8,2,moderate_burden
Senegal,2024,urban,male,66,55+,lowest,1,0,Wari,0,0.0,none,4,4,moderate_burden
Mali,2019,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2020,rural,male,58,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2019,urban,male,49,45-54,second,1,1,MTN Mobile Money,10,152.15,"person_to_person,international_remittance,merchant_payment",8,6,moderate_burden
Nigeria,2018,rural,male,52,45-54,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2024,rural,female,65,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2021,urban,male,38,35-44,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2019,rural,female,15,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2019,rural,male,41,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2020,rural,female,26,25-34,highest,1,1,MTN Mobile Money,5,78.78,"cash_deposit,person_to_person,international_remittance,cash_withdrawal",2,12,moderate_burden
Nigeria,2021,rural,female,23,15-24,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2024,rural,female,38,35-44,highest,1,0,Wave,0,0.0,none,7,15,moderate_burden
Nigeria,2024,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2025,rural,male,69,55+,lowest,1,0,e-Mola,0,0.0,none,5,11,moderate_burden
Malawi,2021,rural,male,27,25-34,highest,1,0,TNM Mpamba,0,0.0,none,2,6,moderate_burden
Malawi,2020,urban,male,73,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2018,rural,male,56,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2018,urban,female,17,15-24,middle,1,1,Moov Money,17,99.78,"cash_withdrawal,merchant_payment,international_remittance",10,10,moderate_burden
Mozambique,2022,urban,female,57,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2025,urban,female,38,35-44,fourth,1,1,Moov Money,10,69.61,"cash_deposit,cash_withdrawal",2,14,moderate_burden
Uganda,2022,rural,female,70,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
DRC,2020,urban,female,15,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2019,rural,female,42,35-44,highest,1,0,Airtel Money,0,0.0,none,7,3,moderate_burden
Zambia,2023,rural,female,37,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2022,urban,female,64,55+,fourth,1,1,Airtel Money,5,173.82,"person_to_person,cash_withdrawal",10,14,moderate_burden
Rwanda,2023,rural,female,39,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,6,1,moderate_burden
Zambia,2022,rural,male,70,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Senegal,2018,urban,female,60,55+,fourth,1,0,Orange Money,0,0.0,none,2,8,moderate_burden
Ghana,2025,urban,female,19,15-24,fourth,1,1,Vodafone Cash,21,69.23,"merchant_payment,cash_withdrawal,savings",8,16,moderate_burden
Malawi,2018,rural,female,22,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2020,urban,female,56,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2025,rural,male,35,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2024,rural,female,52,45-54,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2025,urban,female,58,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2018,urban,male,68,55+,middle,1,1,AirtelTigo Money,9,94.11,"merchant_payment,savings",2,2,moderate_burden
Malawi,2025,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2019,urban,male,24,15-24,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2022,rural,female,17,15-24,highest,1,0,Vodafone Cash,0,0.0,none,10,9,moderate_burden
Kenya,2018,urban,female,54,45-54,fourth,1,1,M-Pesa,14,81.82,"merchant_payment,cash_withdrawal,airtime_purchase,savings",7,1,moderate_burden
Kenya,2021,rural,male,43,35-44,middle,1,0,Airtel Money,0,0.0,none,2,1,moderate_burden
Ethiopia,2025,rural,male,63,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2018,rural,female,47,45-54,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2019,urban,female,23,15-24,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2018,urban,female,58,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2019,rural,female,67,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2018,urban,male,37,35-44,middle,1,1,M-Pesa,12,204.26,"bill_payment,international_remittance,cash_deposit",5,4,moderate_burden
Ghana,2018,rural,male,64,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2018,rural,male,65,55+,fourth,1,0,Wari,0,0.0,none,2,10,moderate_burden
DRC,2020,urban,female,63,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2018,urban,female,15,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2022,urban,female,21,15-24,fourth,1,1,Tigo Pesa,13,70.5,"cash_withdrawal,bill_payment,loan_repayment",5,9,moderate_burden
Kenya,2019,rural,male,51,45-54,middle,1,1,M-Pesa,11,22.06,"loan_repayment,cash_deposit",1,9,moderate_burden
Senegal,2022,urban,female,57,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2024,rural,female,73,55+,middle,1,0,Airtel Money,0,0.0,none,8,5,moderate_burden
DRC,2020,rural,male,47,45-54,second,1,0,Airtel Money,0,0.0,none,3,12,moderate_burden
Ghana,2021,urban,female,26,25-34,highest,1,1,MTN Mobile Money,10,41.68,"savings,merchant_payment,cash_withdrawal,loan_repayment",6,6,moderate_burden
Mali,2022,urban,male,59,55+,fourth,1,1,Orange Money,17,71.04,"merchant_payment,bill_payment,airtime_purchase,person_to_person",9,11,moderate_burden
Malawi,2023,rural,male,41,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2019,urban,male,72,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2024,urban,female,73,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2023,urban,male,17,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2022,urban,female,63,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2019,rural,female,74,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Kenya,2020,rural,female,35,25-34,lowest,1,0,M-Pesa,0,0.0,none,10,9,moderate_burden
Rwanda,2022,urban,male,64,55+,middle,1,1,MTN Mobile Money,14,80.98,"loan_repayment,merchant_payment,cash_withdrawal,international_remittance",6,1,moderate_burden
Senegal,2018,urban,female,44,35-44,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2023,rural,male,17,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2023,rural,male,60,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2019,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2024,rural,male,32,25-34,second,1,1,Airtel Money,10,41.36,"merchant_payment,international_remittance,loan_repayment",8,14,moderate_burden
Ghana,2024,rural,female,50,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2018,rural,female,34,25-34,lowest,1,1,Wave,6,153.8,"loan_repayment,savings,merchant_payment",9,9,moderate_burden
Niger,2025,rural,male,17,15-24,highest,1,0,Airtel Money,0,0.0,none,10,14,moderate_burden
Mali,2022,rural,female,36,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2018,rural,male,17,15-24,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2020,rural,male,67,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2023,urban,male,60,55+,fourth,1,1,AirtelTigo Money,20,71.44,"cash_deposit,international_remittance",3,7,moderate_burden
Nigeria,2025,rural,male,25,15-24,second,1,0,OPay,0,0.0,none,2,9,moderate_burden
Ethiopia,2023,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2022,urban,female,33,25-34,lowest,1,1,Airtel Money,15,133.07,"cash_deposit,airtime_purchase,international_remittance,loan_repayment",7,12,moderate_burden
Malawi,2021,urban,female,36,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2024,rural,male,65,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2024,urban,female,24,15-24,lowest,1,1,Vodafone Cash,11,98.34,"airtime_purchase,loan_repayment,merchant_payment,international_remittance,cash_withdrawal",10,2,moderate_burden
Uganda,2020,rural,male,56,55+,middle,1,1,Airtel Money,6,65.66,"merchant_payment,airtime_purchase,bill_payment",10,9,moderate_burden
Niger,2021,rural,female,55,45-54,highest,1,1,Airtel Money,6,130.13,"loan_repayment,bill_payment,person_to_person,merchant_payment,cash_deposit",5,7,moderate_burden
Ethiopia,2025,urban,female,33,25-34,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2022,urban,female,54,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2025,rural,female,33,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2018,rural,female,30,25-34,lowest,1,0,M-Pesa,0,0.0,none,5,9,moderate_burden
Ghana,2025,rural,male,45,35-44,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2022,rural,female,18,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2020,urban,female,27,25-34,highest,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2023,rural,male,64,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2020,rural,female,32,25-34,lowest,1,1,M-Pesa,9,51.66,"merchant_payment,airtime_purchase,cash_withdrawal,bill_payment,cash_deposit",2,5,moderate_burden
DRC,2022,urban,female,20,15-24,second,1,1,M-Pesa,16,77.79,"international_remittance,bill_payment,cash_deposit",3,6,moderate_burden
Niger,2021,rural,female,74,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2019,rural,female,18,15-24,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2022,urban,male,52,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2021,urban,female,20,15-24,middle,1,1,MTN Mobile Money,16,108.98,"international_remittance,airtime_purchase,cash_withdrawal",3,12,moderate_burden
South Africa,2023,rural,female,17,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,8,7,moderate_burden
Kenya,2019,urban,male,15,15-24,second,1,1,M-Pesa,8,153.28,"cash_withdrawal,airtime_purchase,savings,merchant_payment",7,8,moderate_burden
DRC,2025,rural,female,69,55+,lowest,1,1,Orange Money,7,152.93,"international_remittance,cash_withdrawal,airtime_purchase,savings,cash_deposit",5,6,moderate_burden
Rwanda,2021,urban,male,23,15-24,lowest,1,1,MTN Mobile Money,12,121.32,"savings,person_to_person,cash_withdrawal,airtime_purchase",8,2,moderate_burden
Senegal,2023,rural,male,20,15-24,highest,1,0,Orange Money,0,0.0,none,3,12,moderate_burden
Mali,2019,rural,female,43,35-44,second,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2022,rural,male,41,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2018,rural,female,36,35-44,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2023,rural,female,25,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2025,urban,male,69,55+,middle,1,1,Tigo Pesa,12,87.45,"cash_deposit,merchant_payment",5,17,moderate_burden
Senegal,2020,urban,female,70,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2024,rural,female,64,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2025,rural,male,23,15-24,lowest,1,1,Tigo Pesa,7,99.75,"bill_payment,person_to_person",2,2,moderate_burden
Niger,2019,rural,female,54,45-54,fourth,1,1,Airtel Money,12,57.46,"airtime_purchase,bill_payment,merchant_payment,international_remittance",2,7,moderate_burden
Rwanda,2024,urban,male,51,45-54,second,1,1,Airtel Money,7,112.58,"cash_withdrawal,bill_payment,international_remittance,savings",10,2,moderate_burden
Tanzania,2020,urban,male,55,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2025,rural,male,54,45-54,highest,1,1,Airtel Money,11,32.99,"loan_repayment,airtime_purchase",3,15,moderate_burden
Ghana,2022,rural,female,24,15-24,second,1,1,Vodafone Cash,8,77.7,"bill_payment,cash_deposit",9,14,moderate_burden
Mali,2023,rural,female,46,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2022,rural,female,58,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2023,rural,male,27,25-34,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2018,urban,male,28,25-34,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2022,urban,male,58,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2018,rural,male,17,15-24,fourth,1,0,Airtel Money,0,0.0,none,3,4,moderate_burden
Tanzania,2023,rural,male,30,25-34,middle,1,1,Airtel Money,4,46.35,"savings,loan_repayment,international_remittance",2,8,moderate_burden
Nigeria,2020,urban,male,55,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2025,rural,male,58,55+,second,1,0,MTN Mobile Money,0,0.0,none,3,9,moderate_burden
Niger,2024,urban,male,26,25-34,highest,1,0,Moov Money,0,0.0,none,10,4,moderate_burden
Kenya,2021,rural,female,70,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2025,rural,female,60,55+,lowest,1,0,Airtel Money,0,0.0,none,1,10,moderate_burden
Ethiopia,2022,urban,female,27,25-34,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2021,urban,male,40,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2020,rural,female,71,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2025,urban,female,26,25-34,middle,1,1,M-Pesa,8,97.86,"international_remittance,cash_withdrawal,airtime_purchase,loan_repayment",8,15,moderate_burden
Mali,2024,urban,female,24,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2023,urban,male,27,25-34,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2020,urban,male,47,45-54,lowest,1,0,Airtel Money,0,0.0,none,10,5,moderate_burden
South Africa,2022,rural,male,61,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2025,rural,female,57,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2021,rural,female,56,55+,middle,1,0,MTN Mobile Money,0,0.0,none,6,3,moderate_burden
Ghana,2018,urban,female,59,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2022,urban,male,50,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2021,urban,male,44,35-44,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2022,rural,female,61,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2019,rural,male,24,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2024,urban,female,47,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2024,urban,female,29,25-34,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2020,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2019,rural,male,69,55+,lowest,1,0,Tigo Pesa,0,0.0,none,2,6,moderate_burden
Ghana,2022,urban,male,69,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2020,rural,female,60,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2018,rural,female,68,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2023,rural,male,55,45-54,fourth,1,0,Airtel Money,0,0.0,none,5,12,moderate_burden
South Africa,2025,urban,male,25,15-24,second,1,0,FNB eWallet,0,0.0,none,3,8,moderate_burden
Tanzania,2019,rural,female,44,35-44,highest,1,1,Tigo Pesa,8,67.9,"airtime_purchase,cash_deposit,savings",7,2,moderate_burden
South Africa,2023,urban,female,64,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2022,urban,female,27,25-34,highest,1,1,M-Pesa,13,69.45,"bill_payment,person_to_person,cash_withdrawal,international_remittance,airtime_purchase",5,5,moderate_burden
Rwanda,2018,urban,female,36,35-44,middle,1,0,Airtel Money,0,0.0,none,10,2,moderate_burden
Ghana,2024,rural,male,27,25-34,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2020,urban,male,29,25-34,second,1,0,MTN Mobile Money,0,0.0,none,7,10,moderate_burden
Mozambique,2019,rural,female,74,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2019,rural,female,46,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2025,rural,male,51,45-54,middle,1,1,Airtel Money,8,88.81,"international_remittance,cash_deposit",7,3,moderate_burden
South Africa,2024,urban,female,57,55+,second,1,0,Vodapay,0,0.0,none,2,14,moderate_burden
South Africa,2024,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2023,urban,female,46,45-54,middle,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2025,rural,female,19,15-24,fourth,1,1,Airtel Money,6,135.74,"international_remittance,loan_repayment,savings,merchant_payment",9,8,moderate_burden
Mali,2018,urban,male,71,55+,middle,1,1,Orange Money,13,150.83,"loan_repayment,bill_payment",7,5,moderate_burden
Malawi,2019,rural,male,54,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2020,rural,male,61,55+,highest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2022,rural,male,57,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2024,urban,male,22,15-24,second,1,1, PalmPay,13,96.68,"person_to_person,international_remittance,merchant_payment,cash_deposit,cash_withdrawal",6,2,moderate_burden
Mozambique,2019,urban,female,18,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2021,rural,male,68,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2019,rural,male,66,55+,highest,1,0,Orange Money,0,0.0,none,3,11,moderate_burden
South Africa,2020,urban,female,19,15-24,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2021,rural,male,24,15-24,highest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2023,urban,female,50,45-54,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2025,rural,male,44,35-44,second,1,0,Airtel Money,0,0.0,none,2,4,moderate_burden
Tanzania,2021,rural,female,27,25-34,second,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2023,rural,female,19,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2018,rural,male,19,15-24,fourth,1,1,Airtel Money,4,90.12,"loan_repayment,bill_payment",10,6,moderate_burden
South Africa,2020,rural,male,23,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2021,rural,male,57,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2019,rural,male,69,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2020,rural,female,24,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2024,rural,female,54,45-54,second,1,0,Airtel Money,0,0.0,none,9,11,moderate_burden
Kenya,2022,urban,female,27,25-34,lowest,1,0,Airtel Money,0,0.0,none,9,9,moderate_burden
Ethiopia,2023,rural,male,60,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2023,rural,male,22,15-24,fourth,1,0,Airtel Money,0,0.0,none,9,3,moderate_burden
Rwanda,2024,urban,male,27,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2025,urban,male,68,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2023,rural,female,54,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2018,urban,female,68,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2020,urban,female,25,15-24,fourth,1,1,M-Pesa,10,163.0,"cash_deposit,airtime_purchase,person_to_person,loan_repayment,cash_withdrawal",3,3,moderate_burden
Kenya,2018,rural,female,21,15-24,second,1,1,Airtel Money,7,19.35,"bill_payment,person_to_person,savings,merchant_payment",5,2,moderate_burden
Kenya,2019,rural,male,24,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2022,urban,male,47,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2019,rural,male,33,25-34,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2018,rural,male,41,35-44,middle,1,0,M-Pesa,0,0.0,none,6,2,moderate_burden
Kenya,2018,urban,male,53,45-54,highest,1,1,M-Pesa,15,57.17,"person_to_person,airtime_purchase",4,1,moderate_burden
Kenya,2021,rural,male,70,55+,lowest,1,0,Airtel Money,0,0.0,none,1,9,moderate_burden
Ethiopia,2020,urban,female,41,35-44,middle,1,1,telebirr,13,196.05,"bill_payment,merchant_payment",3,3,moderate_burden
Mali,2022,urban,male,61,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2019,rural,male,66,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2018,urban,male,71,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2018,rural,female,59,55+,second,1,1,MTN Mobile Money,8,50.83,"person_to_person,loan_repayment,cash_deposit,international_remittance,savings",8,10,moderate_burden
Mozambique,2022,rural,male,41,35-44,second,0,0,none,0,0.0,none,1,0,moderate_burden
Niger,2025,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2022,urban,male,34,25-34,second,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2025,rural,female,39,35-44,second,1,1,Airtel Money,9,66.34,"loan_repayment,international_remittance",1,5,moderate_burden
Mozambique,2018,urban,male,45,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2020,rural,male,22,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2022,urban,male,65,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2024,urban,male,29,25-34,middle,1,1,MTN Mobile Money,17,59.97,"loan_repayment,merchant_payment,bill_payment,international_remittance,airtime_purchase",6,6,moderate_burden
Mozambique,2023,rural,female,38,35-44,fourth,1,0,e-Mola,0,0.0,none,7,6,moderate_burden
Malawi,2022,urban,female,24,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2021,rural,female,23,15-24,lowest,1,1,Airtel Money,7,180.66,"cash_deposit,bill_payment,international_remittance,person_to_person",5,1,moderate_burden
Ghana,2024,rural,male,67,55+,fourth,1,0,Vodafone Cash,0,0.0,none,6,16,moderate_burden
DRC,2023,urban,male,71,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Nigeria,2024,urban,male,43,35-44,lowest,1,0,OPay,0,0.0,none,5,11,moderate_burden
Niger,2021,urban,male,67,55+,second,1,0,Airtel Money,0,0.0,none,5,5,moderate_burden
Kenya,2020,rural,male,19,15-24,highest,1,0,M-Pesa,0,0.0,none,10,12,moderate_burden
Ghana,2022,rural,male,61,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2022,rural,female,58,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2020,rural,male,52,45-54,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2018,rural,female,38,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,3,1,moderate_burden
Malawi,2025,urban,male,64,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2021,rural,male,22,15-24,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2018,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2022,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2024,rural,female,47,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,2,16,moderate_burden
Niger,2020,rural,female,59,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2019,rural,male,25,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2022,rural,male,52,45-54,second,1,1,MTN Mobile Money,11,11.66,"loan_repayment,cash_deposit,person_to_person,international_remittance",9,1,moderate_burden
DRC,2021,urban,female,68,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Ghana,2020,urban,female,39,35-44,highest,1,1,AirtelTigo Money,13,342.86,"international_remittance,airtime_purchase,savings,bill_payment",5,9,moderate_burden
South Africa,2019,rural,male,27,25-34,fourth,1,1,FNB eWallet,8,12.82,"cash_deposit,airtime_purchase,loan_repayment",6,3,moderate_burden
Kenya,2025,urban,male,23,15-24,second,1,1,M-Pesa,12,98.89,"person_to_person,bill_payment,merchant_payment",10,9,moderate_burden
South Africa,2023,rural,female,58,55+,second,1,1,MTN Mobile Money,5,545.72,"savings,merchant_payment,airtime_purchase,cash_deposit",10,4,moderate_burden
Zambia,2020,rural,female,66,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2023,rural,male,71,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2024,rural,male,20,15-24,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2019,rural,male,67,55+,highest,1,0,M-Birr,0,0.0,none,8,6,moderate_burden
Malawi,2018,urban,female,37,35-44,lowest,1,0,TNM Mpamba,0,0.0,none,10,3,moderate_burden
Rwanda,2023,urban,female,42,35-44,middle,1,1,MTN Mobile Money,18,65.29,"international_remittance,airtime_purchase,loan_repayment,merchant_payment,cash_withdrawal",3,6,moderate_burden
Ghana,2022,urban,female,44,35-44,highest,1,0,Vodafone Cash,0,0.0,none,4,8,moderate_burden
Nigeria,2020,urban,male,27,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2021,rural,female,45,35-44,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Niger,2023,urban,male,33,25-34,second,1,0,Moov Money,0,0.0,none,10,12,moderate_burden
Mali,2022,urban,male,40,35-44,middle,1,1,Orange Money,11,235.54,"loan_repayment,bill_payment,international_remittance",4,6,moderate_burden
Nigeria,2018,urban,female,66,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2018,rural,male,25,15-24,lowest,1,0,TNM Mpamba,0,0.0,none,10,8,moderate_burden
DRC,2020,rural,female,66,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2023,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2020,urban,male,30,25-34,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2025,rural,female,34,25-34,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2020,urban,male,19,15-24,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2022,rural,male,19,15-24,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2018,urban,male,55,45-54,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2021,rural,female,62,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2024,rural,male,74,55+,middle,1,1,MTN Mobile Money,4,66.4,"merchant_payment,cash_deposit",1,1,moderate_burden
Senegal,2019,rural,female,56,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2025,rural,male,48,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2024,rural,female,21,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2018,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2024,urban,female,35,25-34,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2021,rural,male,62,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2022,urban,male,51,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2019,urban,male,60,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2019,urban,female,24,15-24,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2022,urban,female,21,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,9,12,moderate_burden
Zambia,2025,rural,male,18,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2022,rural,male,44,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2022,urban,male,23,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2022,rural,female,39,35-44,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2021,rural,female,33,25-34,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2018,rural,female,42,35-44,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2025,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2025,urban,male,19,15-24,highest,1,1,Airtel Money,10,30.52,"loan_repayment,merchant_payment,person_to_person,airtime_purchase,cash_withdrawal",5,13,moderate_burden
Kenya,2024,rural,male,21,15-24,middle,1,0,M-Pesa,0,0.0,none,5,13,moderate_burden
Rwanda,2023,rural,male,32,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2022,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2024,urban,male,35,25-34,highest,1,1,M-Pesa,12,148.81,"cash_withdrawal,airtime_purchase,merchant_payment,savings,cash_deposit",4,3,moderate_burden
Malawi,2018,urban,male,68,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2020,urban,female,43,35-44,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2023,urban,female,60,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2020,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2018,rural,male,72,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2025,urban,male,35,25-34,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2019,rural,female,67,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2018,urban,male,31,25-34,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2018,urban,male,55,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2018,urban,male,74,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2019,urban,male,62,55+,highest,1,1,Airtel Money,17,85.13,"savings,person_to_person,international_remittance",10,7,moderate_burden
Uganda,2019,rural,male,71,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2021,rural,male,71,55+,second,1,0,Airtel Money,0,0.0,none,6,8,moderate_burden
Mozambique,2024,rural,male,50,45-54,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2024,urban,female,30,25-34,fourth,1,0,Moov Money,0,0.0,none,8,15,moderate_burden
Tanzania,2024,urban,female,36,35-44,fourth,1,0,Tigo Pesa,0,0.0,none,4,1,moderate_burden
Rwanda,2019,rural,male,68,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2019,urban,female,31,25-34,fourth,1,1,MTN Mobile Money,5,61.11,"bill_payment,person_to_person,loan_repayment,merchant_payment,cash_deposit",3,5,moderate_burden
Ethiopia,2025,rural,male,56,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2021,rural,male,70,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2020,rural,female,47,45-54,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2025,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2019,rural,male,25,15-24,fourth,1,1,e-Mola,10,51.04,"international_remittance,cash_deposit",7,10,moderate_burden
Ethiopia,2020,rural,female,60,55+,fourth,1,1,telebirr,3,58.28,"international_remittance,bill_payment",9,1,moderate_burden
Ghana,2025,rural,male,60,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2022,urban,male,68,55+,highest,1,1,M-Pesa,12,75.85,"bill_payment,person_to_person,savings,airtime_purchase",10,3,moderate_burden
Zambia,2021,urban,female,57,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2020,urban,female,25,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2020,rural,female,24,15-24,fourth,1,1,MTN Mobile Money,7,82.49,"savings,bill_payment",9,12,moderate_burden
Zambia,2025,urban,male,70,55+,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2023,urban,female,27,25-34,lowest,1,0,Airtel Money,0,0.0,none,10,6,moderate_burden
South Africa,2025,urban,female,72,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2022,rural,female,47,45-54,highest,1,0,Airtel Money,0,0.0,none,5,4,moderate_burden
Uganda,2024,rural,male,64,55+,second,1,1,Airtel Money,9,76.19,"bill_payment,loan_repayment,cash_withdrawal,person_to_person,international_remittance",3,5,moderate_burden
Senegal,2022,rural,female,54,45-54,middle,1,0,Orange Money,0,0.0,none,8,8,moderate_burden
Tanzania,2021,urban,male,68,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2022,urban,male,43,35-44,fourth,1,0,M-Pesa,0,0.0,none,10,10,moderate_burden
Kenya,2021,rural,female,32,25-34,highest,1,0,M-Pesa,0,0.0,none,10,3,moderate_burden
Kenya,2023,urban,male,74,55+,fourth,1,0,Airtel Money,0,0.0,none,2,3,moderate_burden
Malawi,2022,rural,female,33,25-34,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2021,urban,female,36,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2021,urban,male,59,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2025,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2019,rural,female,60,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2022,urban,female,25,15-24,lowest,1,1,MTN Mobile Money,14,75.05,"bill_payment,merchant_payment,person_to_person",5,10,moderate_burden
Malawi,2022,urban,female,64,55+,middle,1,1,TNM Mpamba,9,52.12,"cash_deposit,merchant_payment,savings",6,14,moderate_burden
Malawi,2021,rural,male,72,55+,middle,1,1,TNM Mpamba,10,111.98,"merchant_payment,cash_withdrawal,savings,bill_payment",1,7,moderate_burden
South Africa,2019,rural,female,53,45-54,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2019,urban,male,63,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2021,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2020,urban,male,44,35-44,lowest,1,0,Airtel Money,0,0.0,none,2,12,moderate_burden
Senegal,2021,rural,female,59,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2019,urban,female,23,15-24,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2022,rural,female,67,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2020,urban,female,41,35-44,second,1,0,Airtel Money,0,0.0,none,4,5,moderate_burden
Rwanda,2022,rural,female,72,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2021,rural,male,58,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2022,rural,female,49,45-54,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2021,urban,female,27,25-34,middle,1,1,M-Pesa,8,83.55,"airtime_purchase,cash_withdrawal",9,10,moderate_burden
Nigeria,2022,rural,male,69,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2019,rural,male,33,25-34,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2022,urban,female,34,25-34,lowest,1,0,Airtel Money,0,0.0,none,8,11,moderate_burden
Kenya,2021,urban,female,56,55+,highest,1,1,M-Pesa,10,117.33,"loan_repayment,bill_payment,cash_deposit",9,3,moderate_burden
Rwanda,2022,rural,male,24,15-24,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2020,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2024,rural,female,32,25-34,second,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2021,rural,male,54,45-54,second,1,0,M-Pesa,0,0.0,none,7,9,moderate_burden
Malawi,2022,rural,male,59,55+,middle,1,0,Airtel Money,0,0.0,none,2,4,moderate_burden
Malawi,2024,urban,male,31,25-34,middle,1,0,Airtel Money,0,0.0,none,6,5,moderate_burden
Senegal,2024,rural,male,55,45-54,lowest,1,0,Wari,0,0.0,none,9,9,moderate_burden
Zambia,2021,urban,female,44,35-44,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2024,rural,female,40,35-44,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2025,urban,female,38,35-44,second,1,0,MTN Mobile Money,0,0.0,none,8,9,moderate_burden
Rwanda,2021,urban,male,65,55+,fourth,1,0,Airtel Money,0,0.0,none,9,2,moderate_burden
Mali,2021,urban,male,67,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2023,rural,female,28,25-34,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2025,rural,male,70,55+,middle,1,1,TNM Mpamba,8,135.11,"person_to_person,bill_payment,merchant_payment",8,17,moderate_burden
Senegal,2019,urban,female,47,45-54,highest,1,1,Wari,16,87.86,"cash_deposit,loan_repayment,bill_payment",7,5,moderate_burden
Mali,2024,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2022,rural,male,27,25-34,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2018,urban,male,23,15-24,highest,1,0,M-Pesa,0,0.0,none,9,7,moderate_burden
Senegal,2019,urban,male,62,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2019,urban,female,22,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2019,urban,male,58,55+,second,1,0,Moov Money,0,0.0,none,6,4,moderate_burden
Nigeria,2018,rural,female,33,25-34,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2020,rural,male,36,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2021,rural,male,44,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,1,10,moderate_burden
Nigeria,2022,rural,male,20,15-24,fourth,1,1,OPay,13,20.47,"international_remittance,bill_payment,savings,merchant_payment,airtime_purchase",4,12,moderate_burden
Nigeria,2020,urban,male,40,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2018,rural,female,25,15-24,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2018,urban,female,61,55+,lowest,1,1,Wari,12,60.06,"merchant_payment,international_remittance,airtime_purchase",4,1,moderate_burden
Malawi,2018,rural,male,52,45-54,middle,1,0,Airtel Money,0,0.0,none,5,10,moderate_burden
Rwanda,2021,urban,female,17,15-24,highest,1,1,Airtel Money,9,87.75,"savings,merchant_payment,airtime_purchase",8,5,moderate_burden
Ghana,2025,urban,female,18,15-24,second,1,1,Vodafone Cash,13,183.63,"merchant_payment,cash_deposit,bill_payment,international_remittance,person_to_person",5,14,moderate_burden
Malawi,2025,urban,female,59,55+,middle,1,1,Airtel Money,10,163.25,"savings,cash_withdrawal,cash_deposit,person_to_person,loan_repayment",9,9,moderate_burden
Niger,2018,rural,male,60,55+,highest,1,0,Airtel Money,0,0.0,none,3,6,moderate_burden
DRC,2021,urban,male,73,55+,second,1,1,Orange Money,16,115.3,"merchant_payment,loan_repayment",9,2,moderate_burden
Mali,2018,urban,female,57,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2020,urban,male,43,35-44,middle,1,0,FNB eWallet,0,0.0,none,6,5,moderate_burden
South Africa,2021,urban,male,18,15-24,second,1,0,Vodapay,0,0.0,none,3,4,moderate_burden
Mali,2024,rural,female,35,25-34,second,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2020,rural,female,67,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2020,urban,female,73,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2019,rural,female,59,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2020,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2021,rural,male,49,45-54,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Ghana,2021,rural,female,69,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2022,rural,female,21,15-24,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2025,rural,female,50,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2025,rural,male,57,55+,middle,1,1,AirtelTigo Money,6,115.22,"savings,cash_withdrawal",5,16,moderate_burden
Niger,2019,rural,male,27,25-34,second,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2019,rural,male,18,15-24,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2019,urban,female,36,35-44,highest,1,0,M-Pesa,0,0.0,none,5,3,moderate_burden
Tanzania,2019,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2025,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2020,rural,female,25,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2019,urban,male,45,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
Ghana,2018,urban,female,17,15-24,middle,1,1,Vodafone Cash,8,271.44,"loan_repayment,bill_payment",10,6,moderate_burden
Mali,2018,rural,female,20,15-24,middle,1,1,Moov Money,6,42.28,"international_remittance,cash_deposit,savings,person_to_person",6,10,moderate_burden
Mali,2020,rural,female,66,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2022,rural,male,62,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2021,rural,female,56,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2020,rural,female,63,55+,highest,1,1,Airtel Money,10,85.9,"cash_withdrawal,international_remittance,bill_payment,cash_deposit,person_to_person",2,8,moderate_burden
Ethiopia,2025,urban,male,65,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2022,urban,male,72,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2024,rural,female,26,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2025,rural,male,37,35-44,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2024,urban,female,48,45-54,fourth,1,1,Airtel Money,16,119.7,"international_remittance,cash_withdrawal",10,1,moderate_burden
Nigeria,2018,urban,female,35,25-34,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2021,urban,male,29,25-34,fourth,1,1,TNM Mpamba,16,153.91,"merchant_payment,bill_payment,loan_repayment,international_remittance",6,3,moderate_burden
Nigeria,2022,rural,female,30,25-34,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2023,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2022,rural,female,52,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2020,urban,male,52,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2020,urban,male,46,45-54,highest,1,0,Tigo Pesa,0,0.0,none,10,12,moderate_burden
Ghana,2022,rural,female,68,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2018,urban,male,54,45-54,lowest,1,1,Airtel Money,11,111.26,"cash_deposit,person_to_person",7,8,moderate_burden
DRC,2021,urban,female,23,15-24,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2021,urban,male,56,55+,fourth,1,1,Orange Money,18,84.6,"airtime_purchase,cash_deposit,loan_repayment,savings",10,5,moderate_burden
Kenya,2025,urban,female,71,55+,lowest,1,0,M-Pesa,0,0.0,none,6,9,moderate_burden
Ethiopia,2018,rural,male,59,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2021,urban,male,35,25-34,middle,1,0,Zamtel Kwacha,0,0.0,none,10,1,moderate_burden
Tanzania,2018,rural,male,71,55+,highest,1,0,Airtel Money,0,0.0,none,9,1,moderate_burden
South Africa,2018,rural,male,32,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2020,rural,female,33,25-34,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2025,rural,female,38,35-44,second,1,0,e-Mola,0,0.0,none,4,7,moderate_burden
Zambia,2024,rural,male,34,25-34,fourth,1,1,Airtel Money,11,101.34,"savings,loan_repayment",2,11,moderate_burden
Ghana,2020,rural,female,50,45-54,highest,1,1,AirtelTigo Money,8,56.4,"cash_deposit,savings,bill_payment,international_remittance,cash_withdrawal",1,8,moderate_burden
Tanzania,2024,urban,female,20,15-24,middle,1,0,M-Pesa,0,0.0,none,7,2,moderate_burden
Ethiopia,2022,urban,female,66,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2020,urban,male,50,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2024,rural,male,33,25-34,middle,1,0,Paga,0,0.0,none,7,3,moderate_burden
Tanzania,2025,urban,female,61,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2021,rural,female,48,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2020,rural,female,45,35-44,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2021,rural,female,74,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2024,urban,female,20,15-24,fourth,1,1,Moov Money,7,177.65,"loan_repayment,international_remittance,bill_payment,savings",10,4,moderate_burden
Kenya,2020,urban,female,39,35-44,second,1,0,Airtel Money,0,0.0,none,10,12,moderate_burden
Zambia,2023,rural,male,19,15-24,highest,1,0,Airtel Money,0,0.0,none,10,5,moderate_burden
Ethiopia,2019,rural,female,60,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2023,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2023,rural,male,40,35-44,second,1,0,e-Mola,0,0.0,none,5,14,moderate_burden
South Africa,2021,urban,male,41,35-44,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2018,rural,female,65,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2022,urban,male,22,15-24,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2022,rural,female,63,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2019,urban,male,69,55+,lowest,1,1,Orange Money,10,259.45,"merchant_payment,airtime_purchase,loan_repayment,cash_withdrawal,bill_payment",3,5,moderate_burden
Ghana,2018,rural,male,65,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2018,urban,female,42,35-44,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2025,rural,female,60,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,5,1,moderate_burden
DRC,2020,rural,male,59,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2019,rural,female,34,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2024,rural,male,43,35-44,lowest,1,1,MTN Mobile Money,7,32.09,"bill_payment,international_remittance,cash_deposit,person_to_person,cash_withdrawal",10,10,moderate_burden
Niger,2022,urban,male,48,45-54,lowest,1,1,Moov Money,11,181.44,"loan_repayment,cash_deposit,cash_withdrawal",9,4,moderate_burden
Mali,2025,urban,male,51,45-54,lowest,1,0,Moov Money,0,0.0,none,5,17,moderate_burden
Ethiopia,2019,rural,female,24,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2020,rural,female,24,15-24,middle,1,1,Wari,12,28.01,"cash_withdrawal,airtime_purchase,loan_repayment,person_to_person",10,9,moderate_burden
Senegal,2020,urban,female,22,15-24,second,1,1,Wave,9,68.75,"international_remittance,savings",4,12,moderate_burden
Uganda,2024,rural,female,54,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2024,urban,male,61,55+,middle,1,1,Airtel Money,12,81.17,"airtime_purchase,savings,international_remittance,bill_payment",6,11,moderate_burden
Uganda,2022,rural,male,18,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2024,rural,female,31,25-34,lowest,1,1,MTN Mobile Money,9,85.85,"cash_withdrawal,merchant_payment,savings,airtime_purchase,loan_repayment",4,12,moderate_burden
Mali,2019,rural,male,35,25-34,second,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2021,rural,female,48,45-54,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2020,urban,female,34,25-34,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2020,urban,female,15,15-24,middle,1,1,FNB eWallet,14,351.82,"savings,cash_withdrawal,person_to_person,airtime_purchase",4,11,moderate_burden
DRC,2021,urban,male,26,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2024,urban,male,23,15-24,fourth,1,1,Tigo Pesa,14,173.19,"airtime_purchase,loan_repayment,international_remittance,savings,cash_withdrawal",10,1,moderate_burden
Niger,2019,rural,female,55,45-54,lowest,1,0,Airtel Money,0,0.0,none,9,6,moderate_burden
Rwanda,2023,urban,female,49,45-54,middle,1,1,Airtel Money,15,85.81,"savings,loan_repayment",2,13,moderate_burden
Mozambique,2023,rural,male,17,15-24,second,1,0,e-Mola,0,0.0,none,8,9,moderate_burden
Rwanda,2020,urban,male,22,15-24,middle,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Senegal,2025,rural,female,15,15-24,middle,1,1,Orange Money,8,61.0,"cash_withdrawal,airtime_purchase,person_to_person",7,12,moderate_burden
Mozambique,2024,urban,male,28,25-34,second,1,0,M-Pesa,0,0.0,none,3,3,moderate_burden
South Africa,2022,rural,male,32,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2018,rural,female,74,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2022,urban,female,20,15-24,middle,1,1,Airtel Money,16,138.79,"merchant_payment,cash_withdrawal,person_to_person,savings,bill_payment",10,7,moderate_burden
Nigeria,2022,rural,male,44,35-44,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2019,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2023,rural,female,56,55+,second,1,1,Wave,11,113.35,"savings,person_to_person,airtime_purchase,international_remittance",3,5,moderate_burden
Ethiopia,2024,urban,female,63,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2023,rural,female,43,35-44,middle,1,1,e-Mola,3,67.94,"cash_deposit,cash_withdrawal,loan_repayment,merchant_payment",3,14,moderate_burden
Zambia,2019,urban,female,28,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2018,urban,male,45,35-44,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2023,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2022,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2018,rural,female,73,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2024,rural,male,15,15-24,highest,1,0,M-Pesa,0,0.0,none,5,14,moderate_burden
Nigeria,2025,rural,female,42,35-44,middle,1,0,OPay,0,0.0,none,1,1,moderate_burden
Niger,2023,urban,female,20,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2021,rural,male,17,15-24,second,1,0,Airtel Money,0,0.0,none,8,5,moderate_burden
Tanzania,2024,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2018,rural,male,71,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Nigeria,2025,urban,male,54,45-54,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2020,rural,female,45,35-44,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2024,urban,male,68,55+,lowest,1,1,AirtelTigo Money,7,106.53,"cash_deposit,person_to_person,loan_repayment,airtime_purchase,cash_withdrawal",4,3,moderate_burden
Kenya,2025,urban,male,23,15-24,middle,1,1,Airtel Money,14,190.31,"merchant_payment,cash_deposit,savings",6,7,moderate_burden
Mozambique,2024,rural,male,71,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2024,rural,female,25,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2021,rural,male,63,55+,fourth,1,1,MTN Mobile Money,5,34.11,"airtime_purchase,bill_payment,person_to_person,international_remittance",1,10,moderate_burden
Tanzania,2024,rural,female,37,35-44,middle,1,0,Airtel Money,0,0.0,none,2,15,moderate_burden
South Africa,2023,rural,female,28,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,10,6,moderate_burden
Ghana,2023,urban,male,33,25-34,middle,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2021,urban,male,65,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2020,urban,male,51,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2022,urban,female,36,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,9,12,moderate_burden
Mozambique,2020,urban,male,20,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2022,urban,female,39,35-44,lowest,1,0,M-Pesa,0,0.0,none,6,10,moderate_burden
Rwanda,2025,urban,male,58,55+,second,1,1,Airtel Money,11,44.82,"cash_deposit,cash_withdrawal",3,16,moderate_burden
Senegal,2024,rural,female,35,25-34,fourth,1,1,Wave,6,70.51,"loan_repayment,international_remittance,cash_deposit",9,10,moderate_burden
Mozambique,2024,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2020,rural,male,25,15-24,highest,1,0,TNM Mpamba,0,0.0,none,7,12,moderate_burden
Mali,2021,rural,female,51,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2020,rural,male,34,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2023,urban,male,46,45-54,fourth,1,1,e-Mola,10,235.92,"cash_deposit,savings,bill_payment,merchant_payment,airtime_purchase",2,13,moderate_burden
Malawi,2024,urban,female,54,45-54,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2020,urban,female,53,45-54,lowest,1,1,Airtel Money,11,340.58,"cash_withdrawal,merchant_payment",8,3,moderate_burden
Kenya,2020,rural,female,50,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2018,rural,male,69,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2023,rural,male,16,15-24,highest,1,0,Airtel Money,0,0.0,none,5,9,moderate_burden
Mozambique,2025,urban,male,70,55+,fourth,1,1,e-Mola,15,50.35,"bill_payment,merchant_payment,savings,international_remittance",10,9,moderate_burden
Zambia,2020,urban,female,57,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2018,urban,male,27,25-34,highest,1,0,Airtel Money,0,0.0,none,10,5,moderate_burden
Malawi,2023,urban,male,66,55+,highest,1,0,TNM Mpamba,0,0.0,none,2,14,moderate_burden
Mali,2022,urban,female,20,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2024,rural,male,15,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2022,urban,female,16,15-24,middle,1,1,Zamtel Kwacha,15,50.21,"international_remittance,loan_repayment,airtime_purchase,bill_payment,person_to_person",4,8,moderate_burden
Malawi,2022,rural,female,56,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2018,urban,male,65,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2021,urban,female,31,25-34,fourth,1,0,Wave,0,0.0,none,7,8,moderate_burden
Malawi,2018,rural,female,34,25-34,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2025,rural,male,71,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
South Africa,2018,urban,male,40,35-44,lowest,1,0,Vodapay,0,0.0,none,8,1,moderate_burden
Rwanda,2019,urban,male,24,15-24,middle,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2021,urban,female,72,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2020,urban,male,29,25-34,lowest,1,1,Orange Money,15,115.6,"international_remittance,savings",10,1,moderate_burden
Ethiopia,2021,rural,male,31,25-34,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2021,rural,female,70,55+,middle,1,0,Wave,0,0.0,none,4,9,moderate_burden
Zambia,2022,rural,male,31,25-34,middle,1,1,MTN Mobile Money,8,98.73,"airtime_purchase,savings,cash_withdrawal,bill_payment",4,13,moderate_burden
Nigeria,2019,urban,female,23,15-24,middle,1,1,Paga,15,343.92,"international_remittance,cash_deposit",10,3,moderate_burden
Rwanda,2019,rural,female,36,35-44,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2019,rural,female,60,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2021,rural,male,54,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2022,rural,female,43,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2023,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2019,urban,male,42,35-44,fourth,1,1,Airtel Money,14,95.44,"airtime_purchase,bill_payment,merchant_payment,loan_repayment,international_remittance",2,8,moderate_burden
Senegal,2020,urban,female,36,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2022,urban,female,57,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2020,rural,female,73,55+,lowest,1,0,Wave,0,0.0,none,3,8,moderate_burden
Mali,2025,rural,male,71,55+,second,1,0,Moov Money,0,0.0,none,10,12,moderate_burden
Malawi,2024,urban,female,58,55+,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2025,rural,female,54,45-54,highest,1,1,Airtel Money,6,40.57,"loan_repayment,airtime_purchase,savings,cash_deposit",10,2,moderate_burden
Uganda,2019,rural,male,68,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2024,rural,male,28,25-34,second,1,0,Wari,0,0.0,none,4,16,moderate_burden
Rwanda,2023,rural,male,36,35-44,second,1,0,MTN Mobile Money,0,0.0,none,2,13,moderate_burden
Zambia,2024,rural,male,72,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2018,urban,male,39,35-44,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2019,rural,male,17,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2020,urban,female,65,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2018,urban,male,44,35-44,fourth,1,0,AirtelTigo Money,0,0.0,none,5,9,moderate_burden
Rwanda,2024,urban,male,42,35-44,highest,1,1,MTN Mobile Money,7,123.51,"savings,merchant_payment,loan_repayment,airtime_purchase,cash_deposit",7,12,moderate_burden
Mali,2018,rural,female,16,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2023,rural,male,41,35-44,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2025,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2019,urban,male,70,55+,highest,1,0,MTN Mobile Money,0,0.0,none,10,3,moderate_burden
South Africa,2022,urban,male,66,55+,middle,1,0,Vodapay,0,0.0,none,7,9,moderate_burden
Rwanda,2021,rural,male,52,45-54,highest,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2020,rural,female,52,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2025,rural,female,56,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2023,urban,female,35,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2025,rural,female,15,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2018,urban,female,39,35-44,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2024,rural,female,35,25-34,middle,1,0,Orange Money,0,0.0,none,10,7,moderate_burden
DRC,2024,urban,male,52,45-54,second,1,0,Orange Money,0,0.0,none,2,2,moderate_burden
Mali,2024,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2019,rural,male,43,35-44,highest,1,0,Orange Money,0,0.0,none,3,2,moderate_burden
Tanzania,2018,rural,male,57,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2020,urban,male,57,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2022,rural,female,47,45-54,highest,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2025,rural,female,56,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2018,rural,female,21,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2025,urban,female,61,55+,highest,1,0,MTN Mobile Money,0,0.0,none,9,14,moderate_burden
Tanzania,2018,rural,male,38,35-44,second,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2018,rural,female,73,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2021,rural,male,31,25-34,fourth,1,0,telebirr,0,0.0,none,2,8,moderate_burden
DRC,2020,urban,male,22,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2020,urban,female,36,35-44,fourth,1,0,Zamtel Kwacha,0,0.0,none,7,4,moderate_burden
Ethiopia,2019,urban,male,58,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2018,rural,female,56,55+,second,1,0,Airtel Money,0,0.0,none,8,9,moderate_burden
Niger,2024,urban,female,64,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2018,rural,male,38,35-44,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2022,rural,male,32,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2023,rural,female,56,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
South Africa,2021,urban,male,54,45-54,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2025,rural,male,68,55+,highest,1,1,M-Pesa,6,31.22,"merchant_payment,person_to_person",5,5,moderate_burden
Niger,2018,rural,female,61,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2022,urban,female,27,25-34,lowest,1,0,Airtel Money,0,0.0,none,4,5,moderate_burden
Ethiopia,2018,rural,female,69,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2019,rural,female,47,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2024,rural,female,67,55+,highest,1,0,Orange Money,0,0.0,none,1,16,moderate_burden
Niger,2022,urban,female,65,55+,lowest,1,1,Airtel Money,11,116.27,"cash_deposit,bill_payment",3,12,moderate_burden
Tanzania,2025,urban,female,26,25-34,lowest,1,1,Tigo Pesa,12,47.81,"international_remittance,merchant_payment,loan_repayment,airtime_purchase",3,6,moderate_burden
DRC,2024,rural,male,30,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2022,rural,male,66,55+,middle,1,0,FNB eWallet,0,0.0,none,1,13,moderate_burden
Mali,2025,urban,female,70,55+,fourth,1,0,Moov Money,0,0.0,none,7,4,moderate_burden
South Africa,2022,urban,female,73,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2018,rural,male,43,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2022,rural,female,30,25-34,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2021,rural,male,32,25-34,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2019,rural,female,16,15-24,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2018,urban,male,45,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2025,rural,female,32,25-34,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2021,rural,male,28,25-34,second,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2019,rural,male,57,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
South Africa,2022,urban,female,18,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2020,rural,female,22,15-24,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2024,rural,female,18,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2025,rural,female,66,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2019,rural,male,23,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2021,urban,female,56,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2022,rural,female,16,15-24,middle,1,1,MTN Mobile Money,7,216.13,"cash_deposit,airtime_purchase,international_remittance,cash_withdrawal",4,3,moderate_burden
Nigeria,2022,rural,male,49,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2021,rural,male,32,25-34,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2025,urban,female,21,15-24,middle,1,0,M-Pesa,0,0.0,none,9,14,moderate_burden
Niger,2024,rural,female,25,15-24,fourth,1,0,Moov Money,0,0.0,none,7,10,moderate_burden
DRC,2024,rural,male,62,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2025,rural,female,16,15-24,second,1,1,Airtel Money,6,156.31,"merchant_payment,airtime_purchase,person_to_person,international_remittance,loan_repayment",2,1,moderate_burden
Ghana,2019,rural,female,62,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Senegal,2020,rural,female,17,15-24,second,1,0,Wari,0,0.0,none,2,4,moderate_burden
Ethiopia,2025,rural,female,73,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2020,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2024,rural,female,38,35-44,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2020,urban,male,61,55+,fourth,1,1,M-Pesa,8,138.16,"airtime_purchase,cash_withdrawal,loan_repayment,person_to_person",10,5,moderate_burden
Niger,2023,rural,female,72,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2020,rural,male,55,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2022,urban,female,16,15-24,fourth,1,0,Moov Money,0,0.0,none,7,12,moderate_burden
Mali,2020,rural,male,57,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2018,urban,male,66,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2020,urban,female,65,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2023,urban,female,19,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2020,urban,male,22,15-24,middle,1,1,Vodapay,11,84.02,"loan_repayment,airtime_purchase,cash_withdrawal",9,12,moderate_burden
Tanzania,2019,urban,female,42,35-44,lowest,1,1,M-Pesa,12,218.34,"merchant_payment,savings,international_remittance,cash_deposit",3,1,moderate_burden
Tanzania,2024,urban,male,55,45-54,fourth,1,1,M-Pesa,10,160.34,"savings,person_to_person",10,3,moderate_burden
Mozambique,2022,urban,male,25,15-24,highest,1,0,e-Mola,0,0.0,none,10,13,moderate_burden
Kenya,2020,rural,male,28,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2023,urban,female,71,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2019,rural,female,36,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2018,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2019,rural,female,21,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2025,rural,female,42,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2019,urban,female,46,45-54,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2019,rural,male,17,15-24,lowest,1,0,Airtel Money,0,0.0,none,4,4,moderate_burden
Rwanda,2024,rural,male,37,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,4,16,moderate_burden
Kenya,2021,urban,female,38,35-44,lowest,1,0,Airtel Money,0,0.0,none,8,4,moderate_burden
Senegal,2019,urban,female,60,55+,highest,1,1,Wave,16,84.69,"cash_withdrawal,person_to_person,international_remittance,savings,cash_deposit",8,11,moderate_burden
DRC,2019,rural,female,26,25-34,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2023,urban,female,23,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2024,rural,male,65,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2021,urban,female,64,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2020,rural,male,48,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2018,rural,female,27,25-34,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2020,rural,female,44,35-44,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2022,urban,female,65,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2018,rural,female,58,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2021,rural,female,73,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2021,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2023,rural,female,18,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2025,rural,female,20,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2021,rural,female,42,35-44,middle,1,0,M-Pesa,0,0.0,none,2,10,moderate_burden
Mozambique,2023,rural,male,28,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2025,rural,male,15,15-24,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2024,rural,male,54,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2025,urban,male,49,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2022,urban,male,37,35-44,second,1,1,M-Pesa,5,33.49,"cash_deposit,loan_repayment,bill_payment,person_to_person,savings",9,4,moderate_burden
Mali,2023,rural,male,43,35-44,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2024,rural,male,23,15-24,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2022,rural,male,49,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,6,3,moderate_burden
Mozambique,2022,rural,female,19,15-24,highest,1,1,M-Pesa,9,84.09,"savings,merchant_payment,loan_repayment,cash_deposit",10,8,moderate_burden
Kenya,2020,rural,female,66,55+,fourth,1,0,M-Pesa,0,0.0,none,1,8,moderate_burden
Ghana,2021,rural,female,45,35-44,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2024,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2024,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2019,rural,male,15,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,8,1,moderate_burden
Mali,2023,urban,female,49,45-54,lowest,1,0,Orange Money,0,0.0,none,9,15,moderate_burden
DRC,2019,urban,male,37,35-44,lowest,1,0,M-Pesa,0,0.0,none,3,10,moderate_burden
Mali,2023,urban,male,44,35-44,highest,1,1,Orange Money,15,96.99,"international_remittance,airtime_purchase",10,3,moderate_burden
Nigeria,2020,rural,female,74,55+,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2018,rural,female,60,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2019,urban,male,22,15-24,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2020,urban,female,26,25-34,fourth,1,1,MTN Mobile Money,16,35.14,"bill_payment,merchant_payment",10,2,moderate_burden
Ethiopia,2021,rural,male,23,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2020,urban,male,59,55+,second,1,0,Airtel Money,0,0.0,none,6,12,moderate_burden
Mali,2018,rural,male,37,35-44,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2023,urban,male,64,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2022,urban,male,40,35-44,lowest,1,1,MTN Mobile Money,21,94.9,"cash_withdrawal,savings,person_to_person,cash_deposit",5,6,moderate_burden
Kenya,2018,rural,male,73,55+,lowest,1,1,M-Pesa,10,115.98,"loan_repayment,cash_withdrawal,savings,bill_payment",7,5,moderate_burden
Ethiopia,2024,rural,female,33,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2024,rural,female,49,45-54,highest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2019,urban,female,19,15-24,highest,1,0,Airtel Money,0,0.0,none,8,2,moderate_burden
Tanzania,2018,urban,female,39,35-44,second,1,1,M-Pesa,13,86.11,"cash_deposit,savings",10,2,moderate_burden
Zambia,2020,urban,female,42,35-44,middle,1,1,MTN Mobile Money,19,215.98,"bill_payment,savings,loan_repayment,person_to_person,international_remittance",10,5,moderate_burden
Tanzania,2020,rural,male,41,35-44,fourth,1,0,M-Pesa,0,0.0,none,2,10,moderate_burden
Mali,2025,rural,male,43,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2024,urban,female,57,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2022,urban,female,23,15-24,lowest,1,1,Airtel Money,9,520.08,"savings,person_to_person,airtime_purchase,cash_deposit",5,2,moderate_burden
Uganda,2023,rural,male,20,15-24,highest,1,0,Airtel Money,0,0.0,none,7,11,moderate_burden
Uganda,2021,rural,female,33,25-34,second,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2020,rural,female,53,45-54,highest,1,0,M-Pesa,0,0.0,none,6,12,moderate_burden
Uganda,2021,rural,female,57,55+,lowest,1,0,Airtel Money,0,0.0,none,4,4,moderate_burden
Rwanda,2024,rural,female,33,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,4,4,moderate_burden
Mali,2021,urban,female,19,15-24,lowest,1,1,Moov Money,12,111.21,"cash_deposit,airtime_purchase,bill_payment,person_to_person",5,1,moderate_burden
Mozambique,2024,urban,male,58,55+,fourth,1,0,e-Mola,0,0.0,none,5,12,moderate_burden
DRC,2025,rural,female,63,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2019,rural,female,19,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2019,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2021,urban,male,39,35-44,highest,1,0,Airtel Money,0,0.0,none,10,4,moderate_burden
Ghana,2022,rural,female,41,35-44,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Senegal,2024,rural,female,40,35-44,lowest,1,0,Orange Money,0,0.0,none,8,11,moderate_burden
Malawi,2023,urban,female,25,15-24,lowest,1,1,TNM Mpamba,11,83.12,"loan_repayment,savings,international_remittance",7,2,moderate_burden
DRC,2020,rural,female,47,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2023,urban,female,47,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2024,urban,male,23,15-24,second,1,1,M-Pesa,16,120.77,"loan_repayment,bill_payment,cash_deposit,merchant_payment,airtime_purchase",9,15,moderate_burden
Mali,2019,rural,female,56,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2023,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2023,urban,female,29,25-34,middle,1,1,Airtel Money,9,34.89,"airtime_purchase,loan_repayment,savings",3,11,moderate_burden
Mali,2020,urban,male,27,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2025,rural,female,64,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2024,rural,male,41,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,2,14,moderate_burden
Malawi,2021,rural,male,63,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2020,rural,female,51,45-54,fourth,1,0,Airtel Money,0,0.0,none,2,3,moderate_burden
Ethiopia,2021,urban,female,45,35-44,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2023,urban,female,44,35-44,highest,1,0,Orange Money,0,0.0,none,2,2,moderate_burden
South Africa,2025,urban,female,32,25-34,fourth,1,0,FNB eWallet,0,0.0,none,9,8,moderate_burden
Uganda,2020,rural,male,19,15-24,lowest,1,0,Airtel Money,0,0.0,none,7,2,moderate_burden
Mali,2024,urban,male,21,15-24,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2020,rural,male,41,35-44,second,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2024,rural,female,16,15-24,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2021,urban,male,68,55+,fourth,1,1,Zamtel Kwacha,17,113.19,"airtime_purchase,loan_repayment,savings",10,2,moderate_burden
Senegal,2019,urban,female,64,55+,fourth,1,1,Wari,8,138.94,"person_to_person,merchant_payment,airtime_purchase,cash_withdrawal",2,9,moderate_burden
Ethiopia,2019,urban,male,62,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2019,rural,female,68,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2024,urban,female,25,15-24,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2025,urban,male,54,45-54,fourth,1,1,M-Birr,15,89.95,"bill_payment,airtime_purchase",7,17,moderate_burden
Nigeria,2020,rural,male,62,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2020,urban,female,50,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2023,urban,male,63,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2021,urban,female,20,15-24,second,1,1,Airtel Money,15,159.09,"cash_deposit,person_to_person,international_remittance,loan_repayment",6,9,moderate_burden
Tanzania,2021,urban,female,53,45-54,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2019,urban,female,23,15-24,middle,1,0,OPay,0,0.0,none,3,4,moderate_burden
Niger,2024,rural,female,58,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2021,rural,male,49,45-54,fourth,1,1,MTN Mobile Money,10,16.41,"cash_withdrawal,loan_repayment",4,9,moderate_burden
Niger,2020,rural,female,60,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2021,rural,male,45,35-44,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2021,urban,male,66,55+,second,1,1,Airtel Money,18,157.89,"savings,merchant_payment",4,12,moderate_burden
Rwanda,2018,rural,female,57,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2022,rural,male,24,15-24,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2022,rural,female,74,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2024,urban,male,65,55+,fourth,1,1,Airtel Money,11,335.53,"bill_payment,cash_deposit,international_remittance,airtime_purchase,cash_withdrawal",6,12,moderate_burden
Niger,2025,rural,female,59,55+,second,1,1,Moov Money,9,67.54,"person_to_person,cash_deposit",10,3,moderate_burden
Malawi,2025,urban,female,24,15-24,middle,1,0,TNM Mpamba,0,0.0,none,10,17,moderate_burden
Nigeria,2021,urban,male,63,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2022,rural,male,58,55+,middle,1,1,telebirr,7,95.13,"merchant_payment,bill_payment,person_to_person",5,7,moderate_burden
Uganda,2022,urban,female,42,35-44,lowest,1,0,Airtel Money,0,0.0,none,4,8,moderate_burden
DRC,2022,rural,male,18,15-24,lowest,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Mali,2023,urban,female,26,25-34,fourth,1,0,Moov Money,0,0.0,none,10,2,moderate_burden
Ethiopia,2022,rural,male,37,35-44,middle,1,1,M-Birr,6,208.69,"loan_repayment,savings,cash_deposit,cash_withdrawal,international_remittance",8,9,moderate_burden
Niger,2019,rural,male,64,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2020,rural,male,65,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2018,rural,male,62,55+,highest,1,0,Tigo Pesa,0,0.0,none,7,4,moderate_burden
Rwanda,2021,rural,male,62,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Niger,2024,urban,male,66,55+,fourth,1,1,Moov Money,14,104.72,"airtime_purchase,merchant_payment",6,2,moderate_burden
Mozambique,2020,rural,female,60,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2023,rural,male,21,15-24,fourth,1,1,Tigo Pesa,7,25.46,"international_remittance,person_to_person,merchant_payment",5,12,moderate_burden
Mozambique,2024,urban,female,59,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2023,rural,female,18,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2021,rural,male,45,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2025,rural,male,63,55+,highest,1,1,MTN Mobile Money,9,56.59,"person_to_person,loan_repayment,international_remittance,cash_withdrawal,savings",1,11,moderate_burden
Kenya,2025,rural,female,50,45-54,fourth,1,0,Airtel Money,0,0.0,none,8,17,moderate_burden
Rwanda,2024,rural,male,38,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2022,urban,female,60,55+,middle,1,1,Airtel Money,18,98.4,"savings,merchant_payment,cash_withdrawal,loan_repayment,international_remittance",4,9,moderate_burden
Tanzania,2020,rural,female,20,15-24,second,1,0,Airtel Money,0,0.0,none,10,10,moderate_burden
Mozambique,2021,rural,male,20,15-24,highest,1,1,e-Mola,11,57.81,"international_remittance,cash_withdrawal,airtime_purchase,merchant_payment",10,6,moderate_burden
Zambia,2019,rural,female,48,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,8,9,moderate_burden
Ghana,2020,rural,male,44,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,2,6,moderate_burden
South Africa,2022,rural,female,21,15-24,fourth,1,1,Vodapay,4,58.69,"savings,person_to_person,bill_payment,international_remittance",5,12,moderate_burden
Zambia,2025,rural,male,39,35-44,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2018,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2018,urban,female,32,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2019,rural,female,38,35-44,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2018,urban,female,21,15-24,middle,1,0,M-Pesa,0,0.0,none,10,2,moderate_burden
South Africa,2018,urban,female,57,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2025,urban,female,70,55+,second,1,0,Airtel Money,0,0.0,none,10,4,moderate_burden
Ethiopia,2023,rural,male,39,35-44,highest,1,0,M-Birr,0,0.0,none,1,14,moderate_burden
Zambia,2023,urban,male,57,55+,second,1,0,Zamtel Kwacha,0,0.0,none,2,2,moderate_burden
Mozambique,2025,rural,female,35,25-34,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2021,rural,male,29,25-34,highest,1,0,M-Pesa,0,0.0,none,10,9,moderate_burden
Zambia,2019,rural,male,62,55+,middle,1,0,Zamtel Kwacha,0,0.0,none,1,6,moderate_burden
Zambia,2023,rural,female,72,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2023,rural,male,31,25-34,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2018,urban,female,47,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2020,rural,female,57,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2024,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2019,rural,male,62,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2023,urban,female,68,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2020,rural,male,18,15-24,fourth,1,0,Orange Money,0,0.0,none,4,3,moderate_burden
Tanzania,2020,urban,female,68,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2018,urban,male,58,55+,highest,1,1,Airtel Money,15,88.69,"savings,cash_deposit,bill_payment,person_to_person,merchant_payment",2,6,moderate_burden
Uganda,2018,rural,female,31,25-34,lowest,1,1,MTN Mobile Money,7,24.69,"international_remittance,loan_repayment,bill_payment",4,3,moderate_burden
Kenya,2024,rural,male,54,45-54,lowest,1,0,M-Pesa,0,0.0,none,4,1,moderate_burden
Kenya,2025,rural,female,36,35-44,second,1,1,Airtel Money,12,85.56,"cash_deposit,cash_withdrawal,loan_repayment,savings",2,8,moderate_burden
Ethiopia,2022,urban,female,39,35-44,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2021,urban,male,33,25-34,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2022,urban,female,54,45-54,lowest,1,0,M-Pesa,0,0.0,none,9,1,moderate_burden
DRC,2024,rural,female,16,15-24,fourth,1,0,Orange Money,0,0.0,none,5,10,moderate_burden
Zambia,2024,rural,male,32,25-34,middle,1,0,Zamtel Kwacha,0,0.0,none,8,13,moderate_burden
Niger,2025,rural,female,67,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2020,rural,male,37,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2022,urban,female,21,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2024,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2021,urban,female,31,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2023,urban,female,34,25-34,middle,1,0,Moov Money,0,0.0,none,7,7,moderate_burden
DRC,2019,rural,female,22,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2022,rural,male,59,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Kenya,2021,urban,male,73,55+,second,1,1,M-Pesa,10,92.76,"person_to_person,savings",8,1,moderate_burden
South Africa,2021,rural,female,62,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2025,rural,female,65,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2022,urban,male,58,55+,second,1,1,M-Pesa,13,106.52,"loan_repayment,merchant_payment,cash_withdrawal",6,7,moderate_burden
Rwanda,2025,urban,female,20,15-24,highest,1,1,MTN Mobile Money,11,66.99,"merchant_payment,airtime_purchase,cash_deposit,international_remittance,bill_payment",6,15,moderate_burden
South Africa,2023,rural,male,36,35-44,middle,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2018,urban,male,61,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2018,urban,female,24,15-24,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2020,rural,male,31,25-34,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2019,rural,female,59,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2021,urban,male,22,15-24,middle,1,1,Airtel Money,9,115.53,"international_remittance,merchant_payment",5,1,moderate_burden
Nigeria,2024,urban,male,65,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2023,rural,female,42,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,4,14,moderate_burden
Senegal,2023,rural,male,19,15-24,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2021,rural,male,41,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,1,7,moderate_burden
Senegal,2025,urban,female,34,25-34,lowest,1,1,Orange Money,16,75.02,"international_remittance,merchant_payment,person_to_person,airtime_purchase,cash_deposit",3,11,moderate_burden
Rwanda,2022,rural,male,24,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,2,6,moderate_burden
Mozambique,2025,rural,male,51,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2020,rural,female,54,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2018,rural,male,38,35-44,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2019,rural,female,20,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2018,urban,male,17,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2018,rural,male,59,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2022,urban,male,25,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2020,rural,female,37,35-44,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2022,rural,female,18,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2024,urban,female,32,25-34,middle,1,0,M-Pesa,0,0.0,none,9,11,moderate_burden
Ethiopia,2020,urban,male,55,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2025,rural,male,42,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,2,9,moderate_burden
Tanzania,2023,urban,male,36,35-44,lowest,1,0,M-Pesa,0,0.0,none,3,9,moderate_burden
Ethiopia,2025,urban,male,20,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2022,urban,female,39,35-44,second,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2019,rural,female,72,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2019,urban,male,18,15-24,second,1,1,Airtel Money,10,40.9,"international_remittance,person_to_person,savings",10,3,moderate_burden
Mozambique,2021,urban,female,72,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2019,rural,male,46,45-54,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2024,urban,male,20,15-24,fourth,1,1,Airtel Money,11,77.06,"bill_payment,cash_withdrawal",10,2,moderate_burden
Malawi,2024,rural,female,24,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2018,urban,male,65,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2025,urban,female,43,35-44,lowest,1,1,telebirr,15,121.72,"cash_withdrawal,savings,person_to_person,international_remittance",10,14,moderate_burden
Ghana,2020,rural,female,55,45-54,highest,1,0,MTN Mobile Money,0,0.0,none,5,5,moderate_burden
Ethiopia,2023,rural,female,53,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2025,urban,female,68,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,4,5,moderate_burden
Tanzania,2020,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2021,rural,male,19,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,8,13,moderate_burden
DRC,2018,rural,male,59,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2018,urban,male,50,45-54,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2022,urban,male,69,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2019,rural,male,71,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2022,urban,female,57,55+,middle,1,1,TNM Mpamba,16,99.47,"cash_deposit,person_to_person,bill_payment,cash_withdrawal,airtime_purchase",8,10,moderate_burden
Mali,2019,urban,female,60,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2023,rural,male,73,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2018,rural,female,47,45-54,highest,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2022,rural,male,31,25-34,lowest,1,1,Vodapay,7,131.99,"savings,cash_withdrawal,merchant_payment,bill_payment,loan_repayment",6,2,moderate_burden
Senegal,2022,urban,female,40,35-44,second,1,1,Orange Money,12,127.38,"bill_payment,cash_deposit,cash_withdrawal",7,4,moderate_burden
DRC,2025,rural,female,36,35-44,second,1,0,M-Pesa,0,0.0,none,2,14,moderate_burden
Ethiopia,2018,urban,male,27,25-34,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2019,urban,male,34,25-34,second,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2018,urban,male,47,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2023,urban,female,49,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2018,rural,male,48,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2019,urban,male,41,35-44,fourth,1,0,Airtel Money,0,0.0,none,6,11,moderate_burden
Ethiopia,2020,urban,male,22,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2018,urban,male,25,15-24,second,1,0,OPay,0,0.0,none,4,6,moderate_burden
Rwanda,2020,rural,male,58,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2025,urban,female,25,15-24,fourth,1,1,M-Pesa,9,52.4,"international_remittance,loan_repayment",4,1,moderate_burden
Ethiopia,2022,rural,male,62,55+,middle,1,1,M-Birr,7,46.11,"person_to_person,cash_deposit,international_remittance,bill_payment,loan_repayment",10,6,moderate_burden
Mali,2019,urban,male,25,15-24,lowest,1,0,Moov Money,0,0.0,none,10,5,moderate_burden
Nigeria,2024,urban,female,27,25-34,middle,1,0,OPay,0,0.0,none,10,15,moderate_burden
Zambia,2018,urban,male,31,25-34,lowest,1,1,MTN Mobile Money,8,29.31,"airtime_purchase,cash_withdrawal",10,8,moderate_burden
Malawi,2022,rural,female,71,55+,lowest,1,0,TNM Mpamba,0,0.0,none,3,13,moderate_burden
Senegal,2024,urban,female,36,35-44,lowest,1,1,Wave,8,122.83,"merchant_payment,person_to_person,loan_repayment,airtime_purchase",3,3,moderate_burden
Rwanda,2018,rural,female,57,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2019,rural,male,21,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,7,1,moderate_burden
Nigeria,2024,rural,male,48,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2023,urban,female,39,35-44,second,1,1, PalmPay,17,119.61,"cash_withdrawal,international_remittance,savings",7,6,moderate_burden
South Africa,2025,rural,male,39,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2022,rural,male,16,15-24,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2024,rural,male,16,15-24,second,1,1,Vodafone Cash,6,90.76,"bill_payment,cash_deposit",10,13,moderate_burden
Mali,2020,urban,male,34,25-34,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2021,urban,female,71,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2018,urban,male,15,15-24,fourth,1,0,Orange Money,0,0.0,none,6,4,moderate_burden
Tanzania,2023,urban,male,18,15-24,highest,1,0,Tigo Pesa,0,0.0,none,8,13,moderate_burden
Zambia,2025,urban,female,27,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2018,rural,female,26,25-34,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2018,rural,male,54,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2018,urban,female,51,45-54,middle,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Senegal,2023,urban,female,63,55+,highest,1,1,Wari,6,101.67,"international_remittance,cash_withdrawal",5,12,moderate_burden
Uganda,2019,urban,female,16,15-24,second,1,0,Airtel Money,0,0.0,none,10,8,moderate_burden
Kenya,2021,rural,female,52,45-54,middle,1,1,M-Pesa,7,116.8,"international_remittance,cash_deposit",10,7,moderate_burden
Ethiopia,2025,rural,male,55,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2023,urban,female,68,55+,middle,1,1,Orange Money,10,111.69,"cash_withdrawal,merchant_payment,international_remittance,savings,loan_repayment",8,11,moderate_burden
Niger,2022,urban,male,42,35-44,second,1,0,Moov Money,0,0.0,none,8,2,moderate_burden
Niger,2022,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2021,rural,female,42,35-44,fourth,1,1,Airtel Money,7,35.78,"airtime_purchase,person_to_person,bill_payment,cash_deposit,savings",7,1,moderate_burden
Ethiopia,2024,rural,female,70,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2019,rural,female,18,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2018,rural,male,38,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2021,urban,female,51,45-54,second,1,1,telebirr,24,358.75,"savings,loan_repayment,cash_withdrawal,bill_payment,international_remittance",10,7,moderate_burden
South Africa,2020,rural,female,68,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2025,rural,male,46,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2018,urban,male,59,55+,highest,1,0,telebirr,0,0.0,none,2,5,moderate_burden
Mozambique,2020,rural,female,53,45-54,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2020,urban,male,51,45-54,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2020,urban,female,61,55+,fourth,1,0,AirtelTigo Money,0,0.0,none,5,3,moderate_burden
Ghana,2025,urban,female,25,15-24,second,1,1,AirtelTigo Money,12,211.45,"loan_repayment,person_to_person,savings,bill_payment,cash_deposit",4,4,moderate_burden
Ethiopia,2021,rural,female,33,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2025,urban,male,60,55+,middle,1,0,Airtel Money,0,0.0,none,2,16,moderate_burden
Mali,2018,urban,female,38,35-44,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2021,urban,male,41,35-44,lowest,1,0,M-Pesa,0,0.0,none,10,1,moderate_burden
Mali,2023,urban,female,69,55+,fourth,1,1,Orange Money,10,35.19,"savings,bill_payment,cash_withdrawal,merchant_payment,cash_deposit",4,4,moderate_burden
Uganda,2021,urban,male,20,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2025,rural,male,55,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2025,urban,male,61,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2021,rural,male,44,35-44,middle,1,0,Airtel Money,0,0.0,none,3,8,moderate_burden
South Africa,2020,rural,male,40,35-44,highest,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2020,urban,female,67,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2020,rural,female,33,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2020,urban,female,66,55+,middle,1,1,Airtel Money,12,71.83,"airtime_purchase,cash_deposit,loan_repayment,international_remittance,bill_payment",2,5,moderate_burden
Ghana,2024,rural,male,48,45-54,lowest,1,1,MTN Mobile Money,12,60.56,"savings,airtime_purchase",9,12,moderate_burden
Mozambique,2020,rural,male,72,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2022,urban,female,66,55+,middle,1,1,TNM Mpamba,11,191.67,"airtime_purchase,bill_payment,savings",5,5,moderate_burden
Zambia,2020,rural,male,36,35-44,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2018,urban,male,43,35-44,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2020,urban,female,40,35-44,second,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2021,rural,male,67,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2025,rural,male,44,35-44,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2018,urban,male,69,55+,lowest,1,1,e-Mola,6,111.68,"airtime_purchase,person_to_person",2,2,moderate_burden
Niger,2023,rural,male,23,15-24,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2022,rural,male,25,15-24,second,1,1,Airtel Money,6,98.98,"bill_payment,savings,international_remittance",3,4,moderate_burden
Niger,2024,rural,female,41,35-44,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2018,urban,male,58,55+,middle,1,1,Airtel Money,11,21.87,"cash_withdrawal,savings,cash_deposit,merchant_payment",9,8,moderate_burden
Zambia,2019,rural,female,20,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2021,urban,female,58,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Nigeria,2025,urban,female,65,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2018,urban,female,73,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2024,urban,female,65,55+,lowest,1,1,Moov Money,16,84.08,"merchant_payment,cash_withdrawal,cash_deposit,airtime_purchase,savings",10,9,moderate_burden
Tanzania,2018,rural,male,49,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2024,rural,male,38,35-44,lowest,1,0,Vodafone Cash,0,0.0,none,9,3,moderate_burden
Tanzania,2023,rural,female,43,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2019,urban,female,25,15-24,second,1,1,Airtel Money,10,105.37,"international_remittance,airtime_purchase,savings,person_to_person,bill_payment",7,8,moderate_burden
Uganda,2019,rural,female,61,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2022,urban,male,25,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2019,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2023,urban,male,63,55+,second,1,0,M-Pesa,0,0.0,none,10,15,moderate_burden
DRC,2018,urban,female,59,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2021,urban,female,52,45-54,fourth,1,1,e-Mola,18,46.82,"cash_deposit,international_remittance,merchant_payment,bill_payment",5,9,moderate_burden
Mozambique,2024,rural,male,54,45-54,fourth,1,1,e-Mola,8,94.83,"savings,loan_repayment,merchant_payment",5,2,moderate_burden
Uganda,2023,rural,male,65,55+,lowest,1,1,MTN Mobile Money,6,117.67,"cash_deposit,loan_repayment,savings,bill_payment,cash_withdrawal",2,13,moderate_burden
Malawi,2022,rural,female,31,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2024,rural,female,38,35-44,middle,1,1,MTN Mobile Money,6,223.08,"loan_repayment,savings,merchant_payment,international_remittance",6,6,moderate_burden
Mozambique,2024,rural,female,33,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2023,rural,female,57,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2019,urban,male,50,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2021,rural,male,20,15-24,highest,1,0,Wave,0,0.0,none,5,11,moderate_burden
Mozambique,2018,rural,female,21,15-24,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2023,urban,female,25,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2023,rural,female,71,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2023,rural,male,25,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2023,urban,male,30,25-34,lowest,1,1,Airtel Money,16,147.72,"cash_withdrawal,cash_deposit,international_remittance,bill_payment,person_to_person",10,13,moderate_burden
Rwanda,2022,urban,male,59,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2021,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2024,rural,female,65,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2018,urban,female,66,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2025,urban,male,33,25-34,highest,1,1,MTN Mobile Money,14,90.75,"merchant_payment,savings,bill_payment,airtime_purchase,cash_withdrawal",7,14,moderate_burden
Ethiopia,2024,rural,female,33,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2023,urban,female,48,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2023,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2018,rural,male,35,25-34,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2022,urban,male,60,55+,middle,1,0,M-Pesa,0,0.0,none,9,9,moderate_burden
Niger,2019,rural,female,57,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2020,rural,female,68,55+,fourth,1,1,Tigo Pesa,11,144.77,"cash_withdrawal,savings,loan_repayment,international_remittance,cash_deposit",4,10,moderate_burden
Mali,2022,urban,female,68,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2022,urban,male,16,15-24,middle,1,0,Vodapay,0,0.0,none,3,5,moderate_burden
Niger,2019,rural,male,30,25-34,fourth,1,0,Moov Money,0,0.0,none,7,4,moderate_burden
Kenya,2022,urban,female,20,15-24,second,1,0,Airtel Money,0,0.0,none,7,13,moderate_burden
Zambia,2024,urban,male,70,55+,second,1,0,Airtel Money,0,0.0,none,6,16,moderate_burden
Nigeria,2024,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2018,rural,female,62,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2021,urban,female,59,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2022,urban,male,48,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2023,rural,female,43,35-44,highest,1,0,Tigo Pesa,0,0.0,none,8,12,moderate_burden
Ghana,2019,rural,female,59,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2018,urban,male,51,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2024,rural,female,25,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2024,urban,male,46,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,4,11,moderate_burden
Rwanda,2022,rural,male,17,15-24,fourth,1,1,Airtel Money,8,75.72,"cash_deposit,person_to_person,international_remittance,bill_payment",8,10,moderate_burden
Tanzania,2019,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Nigeria,2023,rural,male,24,15-24,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2024,rural,male,44,35-44,fourth,1,1,Paga,10,94.38,"person_to_person,cash_withdrawal,loan_repayment,airtime_purchase,bill_payment",5,2,moderate_burden
Ethiopia,2025,rural,male,28,25-34,middle,1,0,M-Birr,0,0.0,none,10,16,moderate_burden
Senegal,2022,rural,female,70,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2018,rural,female,20,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,2,9,moderate_burden
Mozambique,2025,rural,male,55,45-54,second,1,0,e-Mola,0,0.0,none,2,7,moderate_burden
DRC,2018,rural,female,48,45-54,highest,1,0,M-Pesa,0,0.0,none,8,3,moderate_burden
South Africa,2024,rural,male,16,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,2,14,moderate_burden
South Africa,2021,rural,male,21,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2025,rural,female,61,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2018,urban,female,57,55+,second,1,1,Airtel Money,12,97.64,"bill_payment,loan_repayment,cash_deposit,merchant_payment",2,8,moderate_burden
Nigeria,2022,rural,male,40,35-44,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2020,rural,female,42,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2023,rural,female,66,55+,second,1,1,Orange Money,7,182.76,"cash_deposit,merchant_payment,cash_withdrawal,savings,airtime_purchase",6,7,moderate_burden
South Africa,2019,rural,female,65,55+,fourth,1,1,MTN Mobile Money,7,95.63,"cash_withdrawal,merchant_payment,person_to_person",10,4,moderate_burden
Malawi,2020,urban,male,33,25-34,lowest,1,0,Airtel Money,0,0.0,none,10,9,moderate_burden
Kenya,2019,rural,male,39,35-44,fourth,1,0,M-Pesa,0,0.0,none,6,8,moderate_burden
Tanzania,2022,rural,male,46,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2021,urban,male,64,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2020,urban,male,59,55+,lowest,1,0,M-Pesa,0,0.0,none,9,2,moderate_burden
Uganda,2025,urban,male,69,55+,middle,1,0,Airtel Money,0,0.0,none,6,15,moderate_burden
Ethiopia,2024,urban,male,47,45-54,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2024,urban,female,43,35-44,second,1,0,M-Pesa,0,0.0,none,4,5,moderate_burden
Nigeria,2024,urban,female,29,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2025,urban,female,31,25-34,second,1,1,M-Pesa,8,165.61,"cash_withdrawal,bill_payment,cash_deposit",8,1,moderate_burden
Kenya,2021,urban,female,45,35-44,second,1,0,Airtel Money,0,0.0,none,6,12,moderate_burden
Malawi,2020,urban,male,54,45-54,middle,1,0,Airtel Money,0,0.0,none,4,7,moderate_burden
South Africa,2018,rural,female,41,35-44,highest,1,1,Vodapay,8,123.3,"international_remittance,cash_withdrawal",7,9,moderate_burden
Kenya,2025,rural,female,16,15-24,lowest,1,0,M-Pesa,0,0.0,none,10,6,moderate_burden
South Africa,2019,urban,male,27,25-34,second,1,0,FNB eWallet,0,0.0,none,8,9,moderate_burden
Niger,2021,rural,male,52,45-54,middle,1,1,Airtel Money,7,87.48,"cash_deposit,cash_withdrawal,airtime_purchase,loan_repayment",6,5,moderate_burden
Nigeria,2025,rural,female,51,45-54,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2021,urban,male,70,55+,middle,1,0,Airtel Money,0,0.0,none,7,5,moderate_burden
Zambia,2025,rural,male,36,35-44,second,1,0,MTN Mobile Money,0,0.0,none,8,5,moderate_burden
Mali,2018,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2024,urban,male,24,15-24,highest,1,1,Moov Money,14,54.43,"savings,bill_payment,cash_withdrawal,international_remittance,airtime_purchase",7,2,moderate_burden
Malawi,2018,rural,male,30,25-34,lowest,1,0,TNM Mpamba,0,0.0,none,6,7,moderate_burden
Tanzania,2024,rural,male,73,55+,fourth,1,0,Airtel Money,0,0.0,none,10,6,moderate_burden
Mozambique,2025,urban,male,59,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2025,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2022,urban,female,71,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2022,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2021,rural,male,44,35-44,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2024,rural,male,49,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2018,urban,female,27,25-34,fourth,1,1,Orange Money,19,121.92,"airtime_purchase,international_remittance",8,7,moderate_burden
Rwanda,2019,urban,male,24,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2020,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2022,urban,male,56,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2020,urban,female,33,25-34,second,1,1,Zamtel Kwacha,12,125.25,"savings,airtime_purchase,bill_payment,person_to_person,merchant_payment",6,2,moderate_burden
Nigeria,2018,urban,female,38,35-44,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Ghana,2025,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2019,rural,female,15,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2023,rural,male,53,45-54,lowest,1,1,MTN Mobile Money,8,67.57,"cash_withdrawal,international_remittance,loan_repayment",10,5,moderate_burden
Ethiopia,2019,urban,female,48,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2019,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2019,rural,female,69,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2024,urban,male,70,55+,highest,1,0,M-Pesa,0,0.0,none,4,7,moderate_burden
Ghana,2025,urban,female,66,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2025,rural,female,16,15-24,middle,1,1,telebirr,11,101.57,"cash_deposit,airtime_purchase,loan_repayment",10,12,moderate_burden
Zambia,2018,urban,male,21,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2025,urban,male,48,45-54,lowest,1,1,Airtel Money,13,146.11,"merchant_payment,bill_payment,savings,loan_repayment,international_remittance",7,6,moderate_burden
Ghana,2023,urban,male,70,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2022,rural,female,36,35-44,second,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2021,rural,male,23,15-24,fourth,1,0,AirtelTigo Money,0,0.0,none,7,3,moderate_burden
DRC,2022,urban,female,66,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2024,rural,female,17,15-24,highest,1,0,Moov Money,0,0.0,none,10,2,moderate_burden
Mali,2019,urban,female,49,45-54,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2022,rural,female,30,25-34,second,1,0,Airtel Money,0,0.0,none,5,13,moderate_burden
Senegal,2020,urban,female,44,35-44,middle,1,0,Wave,0,0.0,none,7,9,moderate_burden
Tanzania,2022,urban,female,16,15-24,second,1,1,Airtel Money,6,61.52,"international_remittance,loan_repayment,savings,cash_withdrawal,merchant_payment",7,3,moderate_burden
Niger,2025,urban,female,59,55+,highest,1,0,Airtel Money,0,0.0,none,9,12,moderate_burden
Ethiopia,2024,urban,female,55,45-54,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2020,rural,female,17,15-24,fourth,1,0,TNM Mpamba,0,0.0,none,7,1,moderate_burden
Nigeria,2022,rural,male,61,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Zambia,2025,urban,male,40,35-44,second,1,0,MTN Mobile Money,0,0.0,none,7,1,moderate_burden
Nigeria,2024,urban,male,34,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2025,rural,female,18,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2025,urban,female,22,15-24,fourth,1,1,MTN Mobile Money,5,94.9,"loan_repayment,cash_deposit,savings",10,10,moderate_burden
Malawi,2024,rural,female,44,35-44,middle,1,0,TNM Mpamba,0,0.0,none,10,10,moderate_burden
Zambia,2023,rural,male,37,35-44,middle,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2022,rural,female,39,35-44,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2025,rural,female,74,55+,middle,1,1,Airtel Money,4,116.01,"person_to_person,airtime_purchase,merchant_payment",10,13,moderate_burden
Tanzania,2022,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2020,rural,female,65,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2018,urban,female,29,25-34,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2023,urban,female,42,35-44,second,1,1,Orange Money,11,30.26,"international_remittance,merchant_payment,cash_withdrawal,cash_deposit,loan_repayment",8,9,moderate_burden
South Africa,2025,rural,female,33,25-34,middle,1,1,FNB eWallet,10,140.75,"merchant_payment,international_remittance",3,12,moderate_burden
Mozambique,2023,urban,female,73,55+,fourth,1,1,M-Pesa,11,64.17,"merchant_payment,international_remittance,airtime_purchase,loan_repayment,savings",5,12,moderate_burden
Mali,2025,rural,male,16,15-24,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2018,urban,male,30,25-34,lowest,1,0,Wave,0,0.0,none,7,4,moderate_burden
Niger,2020,rural,male,48,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2024,rural,female,34,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2022,rural,female,26,25-34,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2019,rural,female,65,55+,second,1,0,M-Pesa,0,0.0,none,4,10,moderate_burden
Nigeria,2025,rural,male,43,35-44,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2023,rural,female,16,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2025,urban,male,66,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2024,urban,male,70,55+,middle,1,1,telebirr,11,52.57,"person_to_person,cash_withdrawal,merchant_payment,international_remittance,bill_payment",10,12,moderate_burden
Mozambique,2020,rural,female,49,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2024,urban,female,34,25-34,highest,1,0,Orange Money,0,0.0,none,8,7,moderate_burden
Tanzania,2021,rural,female,17,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2023,rural,male,24,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2020,urban,female,70,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2020,rural,female,59,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2019,rural,female,47,45-54,lowest,1,1,AirtelTigo Money,7,37.1,"cash_withdrawal,savings,loan_repayment",4,9,moderate_burden
Ethiopia,2024,rural,female,65,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2020,rural,female,74,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2020,urban,female,37,35-44,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2025,rural,male,15,15-24,highest,1,0,Vodafone Cash,0,0.0,none,7,3,moderate_burden
Uganda,2018,rural,male,51,45-54,second,1,0,MTN Mobile Money,0,0.0,none,4,7,moderate_burden
Rwanda,2024,rural,male,62,55+,fourth,1,1,MTN Mobile Money,7,100.16,"airtime_purchase,person_to_person,international_remittance",8,12,moderate_burden
Kenya,2025,rural,female,50,45-54,fourth,1,1,Airtel Money,10,105.17,"airtime_purchase,merchant_payment,loan_repayment",3,6,moderate_burden
Senegal,2025,urban,male,58,55+,fourth,1,0,Orange Money,0,0.0,none,9,8,moderate_burden
Mozambique,2021,rural,female,57,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2023,urban,male,69,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2020,urban,female,17,15-24,highest,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Kenya,2019,urban,female,50,45-54,lowest,1,0,Airtel Money,0,0.0,none,8,4,moderate_burden
Ghana,2018,urban,male,37,35-44,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2023,rural,female,47,45-54,fourth,1,0,Moov Money,0,0.0,none,3,14,moderate_burden
Senegal,2018,rural,male,67,55+,highest,1,1,Wari,9,199.03,"cash_deposit,bill_payment,savings,person_to_person",10,6,moderate_burden
DRC,2020,rural,female,45,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2020,urban,female,31,25-34,middle,1,1,M-Pesa,11,111.7,"international_remittance,savings,loan_repayment",8,2,moderate_burden
South Africa,2021,rural,female,47,45-54,lowest,1,0,FNB eWallet,0,0.0,none,6,8,moderate_burden
Ethiopia,2019,rural,male,41,35-44,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2022,rural,male,63,55+,fourth,1,1,Moov Money,11,150.75,"person_to_person,savings,airtime_purchase",4,5,moderate_burden
Rwanda,2024,rural,female,61,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2018,rural,female,72,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2022,urban,male,39,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2024,urban,female,59,55+,fourth,1,1,M-Pesa,13,57.48,"person_to_person,bill_payment,international_remittance,cash_deposit,airtime_purchase",10,5,moderate_burden
Senegal,2018,urban,male,59,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2020,urban,female,67,55+,fourth,1,0,Airtel Money,0,0.0,none,6,3,moderate_burden
Nigeria,2022,rural,male,17,15-24,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2024,rural,male,33,25-34,second,1,0,Vodapay,0,0.0,none,5,5,moderate_burden
Mozambique,2020,rural,male,55,45-54,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2020,rural,female,65,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2020,rural,female,49,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2023,urban,male,44,35-44,middle,1,1,Airtel Money,7,105.93,"person_to_person,airtime_purchase,loan_repayment",4,4,moderate_burden
Nigeria,2023,rural,male,36,35-44,middle,1,1,Paga,10,129.55,"person_to_person,airtime_purchase,merchant_payment,cash_deposit",9,8,moderate_burden
Kenya,2024,rural,male,56,55+,highest,1,0,M-Pesa,0,0.0,none,2,5,moderate_burden
Ghana,2019,urban,female,60,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2018,rural,male,66,55+,fourth,1,0,M-Pesa,0,0.0,none,5,10,moderate_burden
Mozambique,2019,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2021,rural,male,19,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2021,urban,female,43,35-44,lowest,1,1,Airtel Money,12,100.48,"cash_deposit,loan_repayment",9,11,moderate_burden
DRC,2021,urban,female,25,15-24,middle,1,0,M-Pesa,0,0.0,none,7,7,moderate_burden
DRC,2021,urban,male,66,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2024,rural,female,56,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2025,rural,male,26,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2025,rural,female,20,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,4,1,moderate_burden
Senegal,2019,rural,male,73,55+,highest,1,0,Wave,0,0.0,none,3,8,moderate_burden
Tanzania,2018,rural,male,17,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2019,urban,female,37,35-44,middle,1,0,FNB eWallet,0,0.0,none,9,6,moderate_burden
Mozambique,2021,urban,male,39,35-44,fourth,1,1,M-Pesa,9,289.98,"bill_payment,savings",3,12,moderate_burden
Nigeria,2021,rural,female,39,35-44,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2020,urban,male,51,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2019,urban,female,39,35-44,second,1,0,MTN Mobile Money,0,0.0,none,9,4,moderate_burden
Mali,2021,rural,male,28,25-34,fourth,1,0,Orange Money,0,0.0,none,10,13,moderate_burden
Ghana,2024,urban,male,70,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2020,rural,female,59,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2020,urban,female,55,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2022,rural,male,62,55+,highest,1,0,FNB eWallet,0,0.0,none,10,5,moderate_burden
DRC,2024,urban,male,58,55+,highest,1,0,Airtel Money,0,0.0,none,2,1,moderate_burden
Mozambique,2023,urban,female,61,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2018,rural,male,63,55+,highest,1,0,Airtel Money,0,0.0,none,7,4,moderate_burden
Mozambique,2023,urban,female,48,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2020,urban,male,27,25-34,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2018,urban,male,15,15-24,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2022,urban,female,20,15-24,fourth,1,0,Wari,0,0.0,none,9,8,moderate_burden
Uganda,2025,rural,male,55,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,9,10,moderate_burden
Zambia,2025,rural,female,35,25-34,middle,1,0,Zamtel Kwacha,0,0.0,none,10,11,moderate_burden
Mali,2021,rural,male,26,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2025,urban,female,49,45-54,middle,1,1,Airtel Money,14,88.69,"merchant_payment,cash_withdrawal,bill_payment,savings",10,15,moderate_burden
Zambia,2020,rural,male,46,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2024,rural,male,44,35-44,lowest,1,1,Airtel Money,11,104.65,"bill_payment,merchant_payment,loan_repayment,cash_withdrawal,person_to_person",8,4,moderate_burden
Senegal,2022,urban,male,46,45-54,fourth,1,1,Wari,13,129.72,"cash_withdrawal,airtime_purchase,bill_payment,international_remittance",5,4,moderate_burden
Mali,2023,rural,female,32,25-34,highest,1,1,Moov Money,16,59.81,"cash_deposit,person_to_person,loan_repayment,savings",5,14,moderate_burden
Kenya,2021,urban,female,57,55+,middle,1,0,M-Pesa,0,0.0,none,2,13,moderate_burden
Uganda,2025,rural,male,56,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2022,rural,male,35,25-34,middle,1,0,Airtel Money,0,0.0,none,7,3,moderate_burden
Kenya,2022,rural,female,46,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2021,rural,female,18,15-24,second,1,0,Airtel Money,0,0.0,none,8,11,moderate_burden
Uganda,2018,rural,male,19,15-24,fourth,1,1,MTN Mobile Money,11,114.44,"airtime_purchase,bill_payment,person_to_person,cash_deposit",6,10,moderate_burden
Ghana,2020,rural,male,15,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2023,rural,male,56,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2023,rural,female,74,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2022,urban,male,55,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,4,9,moderate_burden
DRC,2023,rural,male,60,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Kenya,2020,rural,female,54,45-54,highest,1,1,M-Pesa,8,49.6,"savings,airtime_purchase,loan_repayment,merchant_payment",6,7,moderate_burden
Zambia,2024,urban,male,29,25-34,middle,1,0,Zamtel Kwacha,0,0.0,none,7,11,moderate_burden
Mali,2022,urban,female,52,45-54,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2018,urban,female,30,25-34,second,1,0,MTN Mobile Money,0,0.0,none,10,4,moderate_burden
Mali,2018,rural,female,21,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2023,urban,male,71,55+,fourth,1,0,Zamtel Kwacha,0,0.0,none,10,7,moderate_burden
Uganda,2020,urban,male,69,55+,second,1,1,MTN Mobile Money,10,123.38,"international_remittance,savings,airtime_purchase,person_to_person,bill_payment",8,9,moderate_burden
Nigeria,2022,rural,female,54,45-54,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2019,rural,female,62,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2025,rural,male,36,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2024,rural,female,40,35-44,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2025,rural,male,22,15-24,second,1,1,TNM Mpamba,7,71.75,"merchant_payment,bill_payment",3,12,moderate_burden
Kenya,2018,urban,female,17,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2025,rural,male,69,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2021,urban,male,70,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2018,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2021,urban,female,72,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2019,rural,female,73,55+,second,1,1,Paga,11,94.91,"savings,cash_deposit,merchant_payment,international_remittance",9,11,moderate_burden
Zambia,2019,rural,female,72,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2021,rural,female,46,45-54,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2024,rural,female,30,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2023,urban,male,28,25-34,fourth,1,0,Wari,0,0.0,none,10,13,moderate_burden
Kenya,2018,rural,female,23,15-24,lowest,1,0,Airtel Money,0,0.0,none,10,6,moderate_burden
Uganda,2025,urban,male,23,15-24,second,1,1,Airtel Money,12,61.12,"person_to_person,cash_deposit,bill_payment,savings",10,5,moderate_burden
DRC,2021,urban,male,25,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2020,rural,male,70,55+,middle,1,1,MTN Mobile Money,5,34.53,"bill_payment,person_to_person,airtime_purchase",8,5,moderate_burden
Niger,2022,rural,female,45,35-44,fourth,1,0,Moov Money,0,0.0,none,5,7,moderate_burden
Tanzania,2021,rural,female,28,25-34,highest,1,1,M-Pesa,5,116.02,"cash_deposit,loan_repayment,airtime_purchase",6,8,moderate_burden
Mali,2018,urban,male,35,25-34,lowest,1,1,Moov Money,11,139.3,"savings,bill_payment,cash_withdrawal,cash_deposit,airtime_purchase",10,4,moderate_burden
Senegal,2025,urban,female,42,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2020,rural,male,52,45-54,second,1,0,M-Pesa,0,0.0,none,3,10,moderate_burden
Senegal,2022,rural,female,18,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2023,rural,female,58,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2022,urban,male,19,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2022,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2021,urban,male,47,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2021,rural,male,46,45-54,highest,1,0,Airtel Money,0,0.0,none,4,5,moderate_burden
Tanzania,2024,rural,female,53,45-54,highest,1,0,M-Pesa,0,0.0,none,2,4,moderate_burden
Nigeria,2025,rural,male,56,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2019,rural,male,44,35-44,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2018,urban,male,57,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2018,rural,female,44,35-44,highest,1,1,TNM Mpamba,9,45.12,"loan_repayment,bill_payment,cash_deposit,airtime_purchase,savings",6,7,moderate_burden
Senegal,2020,urban,male,36,35-44,lowest,1,0,Orange Money,0,0.0,none,3,9,moderate_burden
Rwanda,2021,rural,male,58,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2024,rural,male,56,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2025,rural,female,54,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2020,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2023,rural,male,57,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2024,rural,male,58,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2022,rural,female,18,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2025,rural,female,34,25-34,highest,1,1,Orange Money,5,65.73,"loan_repayment,person_to_person,merchant_payment,savings",10,8,moderate_burden
Ethiopia,2019,urban,male,73,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2023,urban,female,69,55+,highest,1,1,MTN Mobile Money,13,159.5,"cash_withdrawal,merchant_payment,cash_deposit,airtime_purchase",5,13,moderate_burden
Zambia,2025,urban,female,25,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2025,rural,female,67,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2025,rural,female,15,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2022,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2019,rural,female,43,35-44,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2021,rural,female,23,15-24,second,1,0,Airtel Money,0,0.0,none,10,4,moderate_burden
Tanzania,2019,urban,male,55,45-54,lowest,1,0,Airtel Money,0,0.0,none,3,3,moderate_burden
Mali,2021,urban,male,24,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2023,rural,male,42,35-44,fourth,1,0,Airtel Money,0,0.0,none,6,2,moderate_burden
DRC,2024,urban,male,26,25-34,middle,1,0,M-Pesa,0,0.0,none,6,12,moderate_burden
Mali,2022,rural,female,56,55+,highest,1,0,Orange Money,0,0.0,none,3,14,moderate_burden
Mozambique,2023,urban,female,73,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2025,rural,female,16,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2022,rural,female,19,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2022,rural,female,72,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2024,rural,male,57,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2019,urban,female,74,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2019,urban,female,72,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2024,rural,female,51,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2024,urban,female,42,35-44,highest,1,1,TNM Mpamba,14,100.35,"merchant_payment,international_remittance,person_to_person,cash_deposit,airtime_purchase",8,8,moderate_burden
Uganda,2020,urban,female,19,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2019,rural,female,67,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2025,rural,female,71,55+,lowest,1,1,FNB eWallet,10,107.49,"cash_withdrawal,loan_repayment,savings",8,9,moderate_burden
Ghana,2022,rural,male,68,55+,fourth,1,0,AirtelTigo Money,0,0.0,none,5,9,moderate_burden
Rwanda,2018,rural,female,65,55+,middle,1,1,MTN Mobile Money,14,54.85,"international_remittance,cash_deposit,loan_repayment,airtime_purchase",10,4,moderate_burden
Kenya,2019,rural,male,60,55+,middle,1,0,M-Pesa,0,0.0,none,9,6,moderate_burden
Niger,2018,urban,female,30,25-34,highest,1,1,Moov Money,12,159.0,"savings,cash_deposit",7,6,moderate_burden
Rwanda,2024,rural,male,33,25-34,highest,1,0,Airtel Money,0,0.0,none,9,10,moderate_burden
Kenya,2025,rural,male,15,15-24,lowest,1,1,M-Pesa,11,26.09,"cash_deposit,international_remittance,merchant_payment,loan_repayment",10,1,moderate_burden
South Africa,2018,rural,female,34,25-34,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2022,rural,male,19,15-24,second,1,0,MTN Mobile Money,0,0.0,none,2,9,moderate_burden
South Africa,2022,urban,female,19,15-24,second,1,0,MTN Mobile Money,0,0.0,none,10,14,moderate_burden
Kenya,2022,rural,female,26,25-34,lowest,1,0,M-Pesa,0,0.0,none,2,11,moderate_burden
Kenya,2025,urban,male,23,15-24,lowest,1,0,M-Pesa,0,0.0,none,10,6,moderate_burden
Ethiopia,2020,rural,female,40,35-44,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2025,rural,female,66,55+,lowest,1,0,Airtel Money,0,0.0,none,1,1,moderate_burden
Rwanda,2020,rural,female,74,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2019,urban,female,52,45-54,fourth,1,1,M-Birr,8,61.79,"savings,cash_deposit,cash_withdrawal",9,1,moderate_burden
Kenya,2018,urban,female,23,15-24,highest,1,1,Airtel Money,14,120.89,"person_to_person,airtime_purchase,cash_withdrawal,bill_payment,savings",10,1,moderate_burden
Senegal,2020,rural,male,63,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2020,urban,female,74,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2021,rural,female,68,55+,second,1,0,telebirr,0,0.0,none,6,5,moderate_burden
Zambia,2022,rural,male,63,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2018,rural,male,74,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2025,urban,male,46,45-54,highest,1,1,Zamtel Kwacha,10,72.11,"bill_payment,person_to_person,loan_repayment,international_remittance,cash_deposit",7,5,moderate_burden
Niger,2023,rural,male,20,15-24,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2019,rural,male,33,25-34,middle,1,1,Vodafone Cash,6,53.93,"loan_repayment,airtime_purchase,cash_deposit,merchant_payment",8,2,moderate_burden
Malawi,2021,rural,female,56,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2018,rural,male,58,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2023,urban,female,35,25-34,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2020,urban,female,64,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2025,rural,female,29,25-34,fourth,1,1,M-Pesa,11,46.26,"loan_repayment,international_remittance,cash_deposit,savings",4,4,moderate_burden
DRC,2019,rural,male,72,55+,lowest,1,0,Airtel Money,0,0.0,none,1,8,moderate_burden
Rwanda,2022,rural,male,35,25-34,second,1,0,MTN Mobile Money,0,0.0,none,5,8,moderate_burden
Rwanda,2019,urban,female,66,55+,second,1,1,MTN Mobile Money,15,205.6,"airtime_purchase,loan_repayment,savings",8,6,moderate_burden
Niger,2020,urban,male,52,45-54,highest,1,1,Airtel Money,9,69.82,"bill_payment,merchant_payment,loan_repayment",6,3,moderate_burden
Nigeria,2021,urban,female,43,35-44,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2022,urban,female,54,45-54,second,1,0,M-Pesa,0,0.0,none,5,3,moderate_burden
Uganda,2021,rural,female,21,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2024,rural,female,37,35-44,lowest,1,1,M-Pesa,5,62.17,"cash_deposit,international_remittance,person_to_person,airtime_purchase",7,1,moderate_burden
South Africa,2019,rural,male,36,35-44,lowest,1,1,Vodapay,11,54.32,"cash_withdrawal,international_remittance,savings,bill_payment,loan_repayment",9,1,moderate_burden
Nigeria,2025,rural,male,62,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2025,rural,male,18,15-24,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2022,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2020,rural,female,25,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2025,rural,male,49,45-54,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2024,urban,male,73,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2025,rural,male,69,55+,middle,1,0,Airtel Money,0,0.0,none,1,4,moderate_burden
South Africa,2025,rural,female,42,35-44,highest,1,1,Vodapay,7,120.97,"international_remittance,person_to_person,merchant_payment",4,1,moderate_burden
Uganda,2018,rural,female,68,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2023,rural,female,54,45-54,fourth,1,1,Orange Money,8,207.23,"person_to_person,savings,cash_withdrawal",10,9,moderate_burden
Malawi,2018,rural,male,44,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2018,urban,male,43,35-44,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2022,rural,male,16,15-24,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2019,rural,female,38,35-44,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2018,rural,female,74,55+,fourth,1,0,Airtel Money,0,0.0,none,1,2,moderate_burden
Tanzania,2021,rural,male,74,55+,lowest,1,0,Tigo Pesa,0,0.0,none,3,8,moderate_burden
DRC,2023,urban,male,59,55+,middle,1,1,M-Pesa,16,130.07,"international_remittance,airtime_purchase",8,11,moderate_burden
Niger,2024,urban,male,53,45-54,lowest,1,1,Airtel Money,13,185.57,"international_remittance,loan_repayment,savings,merchant_payment",2,9,moderate_burden
Malawi,2020,rural,female,50,45-54,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2023,urban,female,57,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2024,rural,male,26,25-34,second,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2019,urban,male,73,55+,highest,1,0,MTN Mobile Money,0,0.0,none,8,4,moderate_burden
Mali,2025,rural,female,74,55+,fourth,1,0,Orange Money,0,0.0,none,10,3,moderate_burden
Senegal,2020,rural,male,64,55+,highest,1,0,Orange Money,0,0.0,none,6,12,moderate_burden
Ethiopia,2020,rural,male,47,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2024,rural,male,31,25-34,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2020,rural,female,51,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2021,rural,female,74,55+,highest,1,1,Moov Money,9,59.8,"loan_repayment,cash_deposit,person_to_person",5,3,moderate_burden
Ethiopia,2018,urban,female,26,25-34,second,1,1,M-Birr,12,106.76,"cash_deposit,bill_payment,international_remittance",6,5,moderate_burden
Nigeria,2020,rural,male,25,15-24,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2024,rural,male,20,15-24,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2020,rural,female,55,45-54,highest,1,0,Airtel Money,0,0.0,none,8,1,moderate_burden
South Africa,2019,rural,male,53,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2019,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2019,urban,female,73,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2018,urban,female,26,25-34,highest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2024,rural,female,23,15-24,middle,1,1,Orange Money,13,130.61,"airtime_purchase,bill_payment,savings",3,6,moderate_burden
Ghana,2023,urban,male,30,25-34,second,1,0,Vodafone Cash,0,0.0,none,5,13,moderate_burden
Uganda,2018,rural,male,51,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2022,rural,female,61,55+,highest,1,1,Paga,10,36.22,"savings,loan_repayment,merchant_payment,cash_withdrawal,cash_deposit",1,6,moderate_burden
South Africa,2025,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2025,urban,female,49,45-54,middle,1,1,M-Pesa,12,72.71,"cash_deposit,airtime_purchase,bill_payment,cash_withdrawal",10,5,moderate_burden
Nigeria,2021,urban,female,39,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2022,rural,male,23,15-24,second,1,0,MTN Mobile Money,0,0.0,none,9,1,moderate_burden
Nigeria,2018,rural,male,64,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2025,urban,female,54,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2018,rural,male,55,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,4,10,moderate_burden
Ghana,2019,rural,female,68,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2022,rural,male,44,35-44,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2018,rural,male,59,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2023,urban,male,28,25-34,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2025,urban,male,69,55+,fourth,1,1,Airtel Money,17,104.59,"merchant_payment,loan_repayment,bill_payment,cash_deposit,international_remittance",3,15,moderate_burden
Niger,2025,rural,male,40,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2018,urban,female,32,25-34,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2018,rural,female,31,25-34,highest,1,1,Wave,10,392.2,"bill_payment,cash_withdrawal,loan_repayment,airtime_purchase",10,2,moderate_burden
Mozambique,2021,rural,male,19,15-24,middle,1,0,e-Mola,0,0.0,none,10,3,moderate_burden
Ethiopia,2021,rural,female,18,15-24,highest,1,0,telebirr,0,0.0,none,9,1,moderate_burden
Tanzania,2019,rural,male,27,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2025,urban,female,47,45-54,highest,1,1,M-Pesa,14,219.96,"bill_payment,international_remittance,merchant_payment,airtime_purchase",4,7,moderate_burden
Kenya,2018,rural,male,62,55+,highest,1,0,M-Pesa,0,0.0,none,8,6,moderate_burden
Mali,2023,rural,female,58,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2023,urban,male,31,25-34,highest,1,1,TNM Mpamba,13,65.87,"loan_repayment,cash_deposit,airtime_purchase",3,14,moderate_burden
Mozambique,2018,urban,female,15,15-24,middle,1,0,M-Pesa,0,0.0,none,10,10,moderate_burden
Zambia,2022,rural,male,30,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2023,rural,male,33,25-34,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2018,rural,male,32,25-34,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2021,urban,female,60,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2023,urban,female,17,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2024,rural,female,15,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2024,urban,male,29,25-34,second,1,1,Paga,12,66.8,"merchant_payment,international_remittance,cash_withdrawal,savings",10,1,moderate_burden
Ghana,2021,rural,male,59,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2024,rural,male,35,25-34,lowest,1,1,MTN Mobile Money,10,91.52,"cash_deposit,loan_repayment,international_remittance,cash_withdrawal,savings",2,5,moderate_burden
Nigeria,2018,urban,female,49,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2021,rural,female,42,35-44,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Kenya,2020,urban,male,45,35-44,lowest,1,1,M-Pesa,14,68.54,"bill_payment,person_to_person,airtime_purchase,cash_deposit",10,1,moderate_burden
Malawi,2025,urban,male,28,25-34,fourth,1,0,Airtel Money,0,0.0,none,10,6,moderate_burden
DRC,2022,rural,male,51,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2021,urban,male,35,25-34,lowest,1,0,M-Pesa,0,0.0,none,6,8,moderate_burden
Mozambique,2020,rural,male,44,35-44,lowest,1,0,M-Pesa,0,0.0,none,10,2,moderate_burden
South Africa,2024,urban,female,72,55+,lowest,1,1,Vodapay,12,33.47,"bill_payment,international_remittance,cash_withdrawal,person_to_person",6,2,moderate_burden
Malawi,2019,rural,female,28,25-34,highest,1,1,Airtel Money,10,69.84,"international_remittance,cash_withdrawal",7,5,moderate_burden
Mozambique,2020,rural,male,40,35-44,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2019,urban,male,20,15-24,fourth,1,1,M-Pesa,16,97.62,"bill_payment,savings",3,6,moderate_burden
DRC,2024,urban,male,30,25-34,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2020,rural,female,52,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2019,urban,male,41,35-44,lowest,1,1,Wave,7,62.49,"cash_withdrawal,person_to_person,merchant_payment,international_remittance",3,5,moderate_burden
Niger,2021,urban,male,34,25-34,fourth,1,1,Airtel Money,13,105.7,"loan_repayment,merchant_payment,savings",7,1,moderate_burden
Ghana,2018,rural,male,30,25-34,lowest,1,1,Vodafone Cash,9,49.68,"merchant_payment,person_to_person,loan_repayment,savings,bill_payment",4,7,moderate_burden
Malawi,2020,urban,male,74,55+,second,1,0,Airtel Money,0,0.0,none,8,2,moderate_burden
Kenya,2018,urban,male,54,45-54,second,1,1,M-Pesa,10,133.67,"person_to_person,savings,bill_payment,cash_deposit,merchant_payment",10,7,moderate_burden
Mali,2019,urban,female,47,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2020,urban,female,16,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2024,rural,male,18,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2020,rural,female,60,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2025,rural,male,47,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2021,rural,female,46,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2020,rural,female,19,15-24,second,1,0,M-Pesa,0,0.0,none,3,9,moderate_burden
Mozambique,2024,urban,female,16,15-24,lowest,1,1,M-Pesa,7,110.15,"loan_repayment,cash_deposit,savings,bill_payment,cash_withdrawal",7,3,moderate_burden
Ethiopia,2021,rural,female,18,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2025,urban,male,19,15-24,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2020,rural,male,26,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2020,urban,female,20,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2024,urban,male,21,15-24,highest,1,1,e-Mola,10,1158.92,"airtime_purchase,savings,bill_payment,person_to_person,cash_deposit",10,10,moderate_burden
Ghana,2020,rural,male,24,15-24,highest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2025,urban,female,65,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2019,urban,male,19,15-24,middle,1,0,e-Mola,0,0.0,none,3,2,moderate_burden
Zambia,2020,urban,female,50,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2024,rural,male,23,15-24,highest,1,0,Airtel Money,0,0.0,none,10,11,moderate_burden
Senegal,2024,rural,female,38,35-44,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2024,rural,male,15,15-24,lowest,1,0,Airtel Money,0,0.0,none,2,2,moderate_burden
South Africa,2019,urban,male,54,45-54,second,1,0,Vodapay,0,0.0,none,10,6,moderate_burden
Kenya,2023,rural,male,60,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2020,rural,female,55,45-54,highest,1,0,M-Pesa,0,0.0,none,10,12,moderate_burden
Malawi,2018,rural,male,29,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2020,urban,female,34,25-34,lowest,1,0,TNM Mpamba,0,0.0,none,6,12,moderate_burden
Kenya,2021,urban,female,61,55+,fourth,1,1,M-Pesa,10,99.33,"merchant_payment,loan_repayment,savings",8,13,moderate_burden
Mozambique,2018,urban,male,32,25-34,middle,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2023,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2020,rural,male,37,35-44,second,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2019,urban,female,52,45-54,fourth,1,1,M-Pesa,14,294.1,"savings,cash_deposit,merchant_payment",2,5,moderate_burden
Tanzania,2022,rural,female,41,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2023,rural,male,55,45-54,second,1,1,MTN Mobile Money,6,118.3,"merchant_payment,loan_repayment",7,5,moderate_burden
Niger,2018,rural,female,28,25-34,highest,1,1,Airtel Money,8,91.5,"international_remittance,bill_payment",5,4,moderate_burden
Zambia,2024,urban,male,38,35-44,lowest,1,1,Airtel Money,9,62.33,"person_to_person,cash_withdrawal",2,11,moderate_burden
Rwanda,2020,rural,female,52,45-54,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2020,rural,male,57,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2018,rural,female,38,35-44,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2023,urban,male,39,35-44,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2020,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2024,rural,female,26,25-34,middle,1,0,e-Mola,0,0.0,none,5,5,moderate_burden
Ghana,2018,urban,female,60,55+,second,1,1,MTN Mobile Money,8,81.9,"bill_payment,savings,cash_withdrawal,airtime_purchase",6,8,moderate_burden
Uganda,2023,rural,male,18,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,2,10,moderate_burden
Niger,2020,rural,male,26,25-34,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2020,rural,male,36,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2018,rural,female,39,35-44,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2021,rural,male,20,15-24,lowest,1,0,Airtel Money,0,0.0,none,4,4,moderate_burden
Kenya,2019,urban,female,17,15-24,fourth,1,1,Airtel Money,15,77.02,"cash_withdrawal,cash_deposit,airtime_purchase,bill_payment",10,3,moderate_burden
Niger,2023,rural,male,69,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Niger,2022,rural,female,36,35-44,second,1,0,Airtel Money,0,0.0,none,2,12,moderate_burden
Senegal,2022,rural,male,16,15-24,middle,1,0,Wave,0,0.0,none,10,2,moderate_burden
Nigeria,2020,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2022,rural,female,49,45-54,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2023,rural,female,45,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2023,rural,male,50,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2023,urban,male,73,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2018,rural,male,45,35-44,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2022,rural,female,54,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2024,urban,female,73,55+,highest,1,0,M-Pesa,0,0.0,none,10,3,moderate_burden
Tanzania,2018,urban,male,48,45-54,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2023,urban,female,63,55+,second,1,1,Vodapay,13,89.15,"bill_payment,merchant_payment",9,3,moderate_burden
Tanzania,2019,rural,male,30,25-34,fourth,1,0,M-Pesa,0,0.0,none,6,5,moderate_burden
Uganda,2020,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2022,rural,male,26,25-34,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2022,urban,male,23,15-24,second,1,1,FNB eWallet,12,319.95,"cash_deposit,person_to_person,cash_withdrawal,bill_payment,savings",10,5,moderate_burden
Zambia,2024,rural,female,67,55+,fourth,1,0,Zamtel Kwacha,0,0.0,none,3,12,moderate_burden
Senegal,2022,rural,male,28,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2024,urban,female,54,45-54,highest,1,1,MTN Mobile Money,15,153.82,"airtime_purchase,cash_withdrawal",10,10,moderate_burden
Kenya,2020,rural,male,61,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2018,urban,female,60,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2023,rural,male,26,25-34,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2024,urban,female,27,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2018,rural,male,58,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2023,urban,female,24,15-24,second,1,0,Wari,0,0.0,none,10,11,moderate_burden
Kenya,2021,urban,female,50,45-54,highest,1,0,Airtel Money,0,0.0,none,7,8,moderate_burden
South Africa,2025,urban,male,74,55+,highest,1,1,Vodapay,15,151.04,"loan_repayment,international_remittance",4,2,moderate_burden
Rwanda,2020,urban,female,25,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2023,urban,male,72,55+,second,1,1,Airtel Money,9,132.65,"loan_repayment,merchant_payment,cash_deposit",3,3,moderate_burden
Senegal,2023,urban,male,54,45-54,second,1,1,Orange Money,19,159.74,"cash_withdrawal,airtime_purchase",8,9,moderate_burden
Senegal,2019,urban,male,64,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2022,urban,male,21,15-24,second,1,1,Tigo Pesa,12,201.62,"savings,loan_repayment,person_to_person,cash_deposit,cash_withdrawal",5,4,moderate_burden
DRC,2020,rural,female,61,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Niger,2023,urban,female,44,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2024,rural,female,53,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2023,rural,female,55,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2025,urban,female,25,15-24,second,1,1,Airtel Money,15,166.35,"savings,international_remittance",10,15,moderate_burden
Malawi,2024,rural,female,34,25-34,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2024,urban,female,51,45-54,fourth,1,0,Vodapay,0,0.0,none,4,8,moderate_burden
Zambia,2020,rural,female,70,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2025,urban,male,63,55+,lowest,1,1,Airtel Money,18,66.6,"savings,airtime_purchase",10,15,moderate_burden
Malawi,2020,urban,male,41,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2021,rural,female,64,55+,fourth,1,0,M-Pesa,0,0.0,none,6,2,moderate_burden
Senegal,2019,urban,female,18,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2020,urban,female,63,55+,highest,1,0,OPay,0,0.0,none,3,4,moderate_burden
Tanzania,2022,urban,female,71,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2024,urban,male,58,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2021,rural,male,31,25-34,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2018,urban,female,43,35-44,middle,1,1,Airtel Money,15,22.18,"bill_payment,merchant_payment,loan_repayment,airtime_purchase",2,2,moderate_burden
Mali,2021,rural,female,62,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2020,rural,female,54,45-54,fourth,1,1,e-Mola,6,244.52,"international_remittance,airtime_purchase,cash_withdrawal",1,5,moderate_burden
Tanzania,2023,urban,male,34,25-34,highest,1,0,M-Pesa,0,0.0,none,9,3,moderate_burden
Rwanda,2024,rural,male,30,25-34,second,1,0,Airtel Money,0,0.0,none,8,13,moderate_burden
Kenya,2021,rural,female,60,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2022,rural,female,43,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2023,urban,female,54,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,9,9,moderate_burden
Ethiopia,2025,rural,female,31,25-34,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2022,rural,female,43,35-44,middle,1,0,Zamtel Kwacha,0,0.0,none,7,2,moderate_burden
Mozambique,2018,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2021,urban,male,49,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2025,rural,male,35,25-34,middle,1,1,Airtel Money,4,73.48,"person_to_person,cash_withdrawal,loan_repayment",8,17,moderate_burden
Ghana,2024,urban,male,55,45-54,middle,1,1,MTN Mobile Money,11,79.8,"international_remittance,cash_withdrawal,merchant_payment,person_to_person,cash_deposit",2,16,moderate_burden
Ghana,2022,urban,female,27,25-34,highest,1,0,AirtelTigo Money,0,0.0,none,3,6,moderate_burden
Uganda,2021,urban,female,52,45-54,middle,1,1,MTN Mobile Money,15,136.41,"international_remittance,cash_withdrawal,loan_repayment",9,7,moderate_burden
Mali,2025,rural,male,34,25-34,fourth,1,0,Orange Money,0,0.0,none,6,2,moderate_burden
Kenya,2023,rural,male,15,15-24,lowest,1,1,M-Pesa,4,63.55,"cash_withdrawal,international_remittance",8,8,moderate_burden
Senegal,2019,urban,male,51,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2022,rural,female,65,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2020,rural,female,35,25-34,second,1,1,MTN Mobile Money,5,112.93,"savings,merchant_payment,bill_payment,loan_repayment",2,8,moderate_burden
South Africa,2023,rural,female,46,45-54,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2024,urban,female,19,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,7,7,moderate_burden
Kenya,2023,rural,male,27,25-34,lowest,1,0,Airtel Money,0,0.0,none,10,1,moderate_burden
Uganda,2020,urban,female,41,35-44,second,1,1,Airtel Money,7,81.48,"merchant_payment,cash_deposit,cash_withdrawal,loan_repayment",9,1,moderate_burden
Niger,2023,urban,female,58,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2018,urban,female,57,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2021,rural,female,16,15-24,middle,1,1,Orange Money,10,76.49,"cash_withdrawal,loan_repayment,savings,merchant_payment",8,10,moderate_burden
Uganda,2022,rural,male,25,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2023,rural,male,17,15-24,lowest,1,1,Airtel Money,6,139.16,"cash_withdrawal,person_to_person,airtime_purchase",6,4,moderate_burden
Rwanda,2024,urban,male,48,45-54,middle,1,1,Airtel Money,11,120.1,"loan_repayment,airtime_purchase,savings,merchant_payment",8,14,moderate_burden
Malawi,2018,urban,female,65,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2018,rural,male,49,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2025,rural,male,39,35-44,second,1,1,Airtel Money,9,20.75,"loan_repayment,person_to_person,merchant_payment",5,8,moderate_burden
Mozambique,2020,rural,female,69,55+,lowest,1,1,M-Pesa,12,72.2,"bill_payment,airtime_purchase,savings,person_to_person",4,9,moderate_burden
Ghana,2024,rural,male,21,15-24,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2020,urban,male,26,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,10,12,moderate_burden
Niger,2023,urban,female,57,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2022,rural,male,71,55+,highest,1,1,Orange Money,16,158.75,"cash_withdrawal,savings,international_remittance,bill_payment",2,1,moderate_burden
South Africa,2022,rural,male,51,45-54,highest,1,0,FNB eWallet,0,0.0,none,4,12,moderate_burden
DRC,2022,urban,male,46,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2024,urban,female,45,35-44,second,1,0,Airtel Money,0,0.0,none,10,14,moderate_burden
Tanzania,2020,urban,female,70,55+,lowest,1,0,Tigo Pesa,0,0.0,none,6,5,moderate_burden
Zambia,2021,rural,female,33,25-34,lowest,1,1,Airtel Money,5,55.16,"international_remittance,person_to_person,savings,cash_deposit",5,11,moderate_burden
Niger,2022,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2020,urban,female,39,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2021,urban,female,26,25-34,lowest,1,1,Airtel Money,15,481.6,"cash_deposit,person_to_person,merchant_payment",10,3,moderate_burden
Zambia,2020,urban,male,51,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2023,rural,female,46,45-54,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2021,urban,female,55,45-54,second,1,1,Airtel Money,16,63.53,"person_to_person,cash_withdrawal,loan_repayment,bill_payment",6,7,moderate_burden
Mali,2018,rural,male,70,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2025,rural,female,17,15-24,middle,1,0,Moov Money,0,0.0,none,6,6,moderate_burden
Kenya,2025,rural,female,54,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2019,rural,male,56,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2019,urban,female,44,35-44,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2018,rural,female,36,35-44,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2024,urban,male,25,15-24,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2019,urban,male,71,55+,middle,1,1,M-Pesa,6,170.24,"person_to_person,loan_repayment,cash_deposit,savings,international_remittance",4,1,moderate_burden
South Africa,2022,urban,female,51,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,10,12,moderate_burden
Rwanda,2023,rural,male,25,15-24,highest,1,0,Airtel Money,0,0.0,none,9,7,moderate_burden
Mozambique,2025,urban,female,35,25-34,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2024,urban,female,34,25-34,highest,1,1,e-Mola,12,154.69,"bill_payment,cash_withdrawal,person_to_person,savings,loan_repayment",8,2,moderate_burden
Uganda,2022,rural,male,71,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2023,rural,male,51,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2018,rural,male,59,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2023,urban,female,66,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2024,urban,male,66,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2021,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2019,urban,male,28,25-34,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2018,rural,female,21,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2018,rural,female,17,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2018,rural,female,72,55+,middle,1,0,Airtel Money,0,0.0,none,10,3,moderate_burden
Tanzania,2025,rural,female,72,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2022,rural,female,57,55+,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2018,urban,female,21,15-24,fourth,1,1,telebirr,13,65.55,"loan_repayment,person_to_person",5,1,moderate_burden
Ethiopia,2025,urban,male,62,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2020,rural,female,69,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2020,rural,male,68,55+,highest,1,1,Zamtel Kwacha,9,70.46,"cash_deposit,loan_repayment,airtime_purchase",8,9,moderate_burden
Ethiopia,2020,urban,male,67,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2018,rural,female,58,55+,lowest,1,1,M-Pesa,3,169.18,"savings,merchant_payment,bill_payment",7,5,moderate_burden
Kenya,2020,rural,female,32,25-34,lowest,1,1,M-Pesa,14,118.97,"person_to_person,merchant_payment,cash_withdrawal,loan_repayment,cash_deposit",4,3,moderate_burden
South Africa,2025,rural,male,51,45-54,highest,1,0,Vodapay,0,0.0,none,7,8,moderate_burden
Uganda,2019,urban,female,38,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2020,rural,male,69,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2022,rural,female,55,45-54,lowest,1,1,Wari,11,274.27,"cash_deposit,loan_repayment,cash_withdrawal,merchant_payment",6,12,moderate_burden
Nigeria,2025,rural,female,25,15-24,second,1,0,OPay,0,0.0,none,5,11,moderate_burden
Ethiopia,2023,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2022,rural,male,33,25-34,second,1,0,M-Pesa,0,0.0,none,7,13,moderate_burden
Malawi,2025,urban,female,15,15-24,highest,1,1,TNM Mpamba,15,102.35,"loan_repayment,merchant_payment,savings,airtime_purchase",10,14,moderate_burden
Rwanda,2019,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2025,rural,male,62,55+,second,1,1,M-Pesa,10,102.4,"person_to_person,cash_deposit,airtime_purchase",9,16,moderate_burden
Mozambique,2020,urban,male,54,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2018,urban,female,29,25-34,lowest,1,0,Airtel Money,0,0.0,none,4,8,moderate_burden
Rwanda,2020,rural,female,40,35-44,highest,1,1,Airtel Money,5,32.38,"airtime_purchase,bill_payment",10,2,moderate_burden
Ghana,2020,rural,female,34,25-34,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2022,urban,male,72,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2020,rural,male,44,35-44,highest,1,0,Moov Money,0,0.0,none,6,10,moderate_burden
Uganda,2024,urban,female,33,25-34,second,1,1,Airtel Money,7,22.12,"person_to_person,bill_payment",10,5,moderate_burden
Mali,2022,rural,female,57,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2025,urban,female,30,25-34,fourth,1,0,M-Birr,0,0.0,none,10,1,moderate_burden
Rwanda,2022,rural,female,59,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2020,urban,female,62,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2021,rural,female,20,15-24,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2024,urban,female,16,15-24,fourth,1,1,Airtel Money,13,260.33,"airtime_purchase,person_to_person,bill_payment",10,5,moderate_burden
Nigeria,2024,rural,male,16,15-24,middle,1,0, PalmPay,0,0.0,none,2,1,moderate_burden
Kenya,2023,urban,female,70,55+,fourth,1,0,M-Pesa,0,0.0,none,7,9,moderate_burden
South Africa,2020,urban,female,22,15-24,middle,1,0,FNB eWallet,0,0.0,none,8,2,moderate_burden
Nigeria,2022,rural,female,38,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2019,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2020,urban,female,43,35-44,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2024,rural,female,73,55+,lowest,1,0,M-Pesa,0,0.0,none,2,10,moderate_burden
South Africa,2022,rural,male,73,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
South Africa,2022,rural,male,34,25-34,highest,1,1,FNB eWallet,2,50.69,"loan_repayment,cash_deposit,cash_withdrawal",2,12,moderate_burden
Ghana,2019,rural,male,60,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2022,urban,female,25,15-24,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2025,rural,male,67,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2020,rural,male,43,35-44,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2019,rural,female,20,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2023,rural,male,36,35-44,lowest,1,1,Airtel Money,5,96.8,"loan_repayment,airtime_purchase",9,3,moderate_burden
Zambia,2020,urban,male,62,55+,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2024,urban,female,25,15-24,second,1,0,Airtel Money,0,0.0,none,4,1,moderate_burden
Niger,2018,rural,male,63,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2019,urban,female,25,15-24,second,1,0,Paga,0,0.0,none,10,6,moderate_burden
Ghana,2022,urban,female,37,35-44,lowest,1,1,Vodafone Cash,12,104.32,"savings,person_to_person,airtime_purchase,cash_deposit,international_remittance",3,13,moderate_burden
Senegal,2018,urban,male,25,15-24,highest,1,1,Wari,9,216.91,"international_remittance,merchant_payment,loan_repayment",3,4,moderate_burden
Niger,2022,urban,female,43,35-44,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2019,rural,male,66,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2018,rural,male,74,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2025,rural,female,69,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Uganda,2019,urban,female,66,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2018,urban,male,52,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2024,urban,male,73,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2021,urban,male,58,55+,second,1,0,Moov Money,0,0.0,none,5,7,moderate_burden
Niger,2024,urban,female,53,45-54,second,1,0,Airtel Money,0,0.0,none,5,16,moderate_burden
Ethiopia,2025,rural,male,22,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2020,urban,male,39,35-44,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2018,rural,female,65,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Kenya,2024,rural,male,36,35-44,fourth,1,0,Airtel Money,0,0.0,none,10,16,moderate_burden
Malawi,2024,rural,female,74,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Nigeria,2018,urban,female,72,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2023,rural,female,65,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2023,rural,female,43,35-44,middle,1,1,Tigo Pesa,8,94.95,"person_to_person,loan_repayment",1,10,moderate_burden
Tanzania,2022,rural,female,66,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2024,rural,male,54,45-54,middle,1,0,Airtel Money,0,0.0,none,2,1,moderate_burden
Kenya,2020,rural,male,71,55+,fourth,1,1,M-Pesa,8,79.74,"cash_withdrawal,cash_deposit,international_remittance,airtime_purchase",5,9,moderate_burden
Kenya,2025,rural,male,55,45-54,lowest,1,1,Airtel Money,4,70.0,"savings,merchant_payment,loan_repayment,airtime_purchase",10,15,moderate_burden
Niger,2023,urban,male,38,35-44,highest,1,1,Moov Money,15,32.65,"merchant_payment,savings,airtime_purchase",5,10,moderate_burden
Senegal,2022,rural,male,43,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2024,urban,female,47,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2023,urban,female,36,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2023,rural,female,53,45-54,highest,1,0,FNB eWallet,0,0.0,none,2,5,moderate_burden
Zambia,2023,urban,female,48,45-54,second,1,1,Airtel Money,10,73.41,"loan_repayment,airtime_purchase",8,5,moderate_burden
Mozambique,2022,rural,male,66,55+,fourth,1,1,M-Pesa,12,31.88,"cash_withdrawal,savings,merchant_payment,person_to_person,bill_payment",10,11,moderate_burden
Ethiopia,2019,rural,female,65,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2020,rural,female,30,25-34,highest,1,0,M-Pesa,0,0.0,none,10,10,moderate_burden
Ethiopia,2025,urban,male,74,55+,highest,1,0,M-Birr,0,0.0,none,5,5,moderate_burden
Uganda,2019,rural,male,25,15-24,middle,1,0,Airtel Money,0,0.0,none,3,10,moderate_burden
DRC,2025,rural,female,40,35-44,fourth,1,0,Airtel Money,0,0.0,none,2,2,moderate_burden
Niger,2019,urban,female,65,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2024,rural,male,24,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2025,rural,female,18,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,10,8,moderate_burden
Niger,2019,urban,female,55,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2019,urban,male,48,45-54,lowest,1,1,M-Pesa,8,106.48,"merchant_payment,bill_payment",5,6,moderate_burden
Kenya,2022,rural,male,39,35-44,fourth,1,0,M-Pesa,0,0.0,none,8,6,moderate_burden
Ghana,2020,urban,male,42,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,3,10,moderate_burden
Rwanda,2025,rural,male,67,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2021,rural,male,21,15-24,highest,1,1,TNM Mpamba,9,52.74,"merchant_payment,airtime_purchase,international_remittance,loan_repayment,savings",8,9,moderate_burden
Nigeria,2020,urban,male,68,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2019,rural,male,48,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2020,urban,female,42,35-44,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2019,rural,male,51,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2025,rural,male,19,15-24,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2024,rural,male,71,55+,highest,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2020,urban,male,18,15-24,highest,1,1,MTN Mobile Money,7,26.92,"merchant_payment,bill_payment,cash_withdrawal",9,6,moderate_burden
Tanzania,2024,rural,male,61,55+,lowest,1,0,Tigo Pesa,0,0.0,none,4,2,moderate_burden
Niger,2018,rural,male,26,25-34,fourth,1,0,Moov Money,0,0.0,none,10,3,moderate_burden
Senegal,2024,rural,male,71,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2021,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2022,rural,male,45,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,8,13,moderate_burden
Nigeria,2023,urban,male,33,25-34,highest,1,1,Paga,12,37.01,"cash_deposit,merchant_payment,airtime_purchase",10,6,moderate_burden
Niger,2020,rural,female,74,55+,fourth,1,1,Airtel Money,4,24.8,"international_remittance,savings",4,2,moderate_burden
Mozambique,2021,urban,female,21,15-24,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2023,rural,female,26,25-34,fourth,1,0,TNM Mpamba,0,0.0,none,8,6,moderate_burden
Mali,2019,urban,male,54,45-54,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2025,urban,female,16,15-24,lowest,1,1,Airtel Money,16,26.74,"savings,cash_deposit,loan_repayment,merchant_payment,bill_payment",5,9,moderate_burden
Niger,2021,rural,male,50,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2024,rural,male,30,25-34,middle,1,1,MTN Mobile Money,11,95.36,"cash_withdrawal,international_remittance,savings",7,4,moderate_burden
Niger,2018,urban,female,45,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2019,urban,male,16,15-24,lowest,1,0,MTN Mobile Money,0,0.0,none,7,9,moderate_burden
Senegal,2020,rural,female,44,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2020,rural,female,35,25-34,second,1,1,Airtel Money,6,84.72,"cash_withdrawal,cash_deposit",3,12,moderate_burden
Tanzania,2020,rural,female,72,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2019,urban,male,47,45-54,fourth,1,1,Airtel Money,17,97.78,"savings,person_to_person,cash_deposit",4,7,moderate_burden
DRC,2025,rural,male,61,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2020,rural,male,59,55+,highest,1,0,AirtelTigo Money,0,0.0,none,10,6,moderate_burden
Mozambique,2024,rural,male,39,35-44,middle,1,1,M-Pesa,8,67.83,"cash_deposit,savings",7,7,moderate_burden
Mozambique,2018,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2025,urban,male,57,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2021,rural,male,20,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2018,urban,female,71,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2023,urban,female,45,35-44,fourth,1,0,Moov Money,0,0.0,none,7,3,moderate_burden
South Africa,2019,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2018,rural,female,27,25-34,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2023,urban,male,52,45-54,second,1,0,MTN Mobile Money,0,0.0,none,6,2,moderate_burden
Rwanda,2023,urban,female,70,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2025,rural,male,39,35-44,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Senegal,2022,rural,male,25,15-24,middle,1,1,Orange Money,11,42.82,"cash_deposit,merchant_payment",9,7,moderate_burden
Kenya,2019,rural,male,41,35-44,middle,1,1,Airtel Money,4,88.64,"loan_repayment,merchant_payment,cash_withdrawal,person_to_person",2,6,moderate_burden
Uganda,2021,rural,male,25,15-24,lowest,1,1,MTN Mobile Money,7,144.92,"savings,person_to_person,merchant_payment",8,10,moderate_burden
Niger,2020,urban,male,35,25-34,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2022,urban,female,20,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2020,rural,female,64,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2020,rural,male,63,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2024,urban,female,20,15-24,lowest,1,0,Zamtel Kwacha,0,0.0,none,9,4,moderate_burden
Ghana,2019,rural,female,31,25-34,lowest,1,0,Vodafone Cash,0,0.0,none,3,9,moderate_burden
Mozambique,2022,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2023,urban,male,28,25-34,lowest,1,0,Airtel Money,0,0.0,none,9,8,moderate_burden
Nigeria,2023,rural,female,17,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2024,rural,female,70,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2025,urban,male,44,35-44,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2022,urban,female,73,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2020,urban,female,19,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,8,9,moderate_burden
Rwanda,2021,urban,male,65,55+,highest,1,1,MTN Mobile Money,7,313.91,"merchant_payment,cash_withdrawal,airtime_purchase",6,12,moderate_burden
Ethiopia,2021,rural,female,68,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2022,urban,male,32,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2022,rural,female,52,45-54,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2019,rural,female,30,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2022,urban,female,62,55+,fourth,1,0,M-Birr,0,0.0,none,2,10,moderate_burden
South Africa,2025,rural,female,64,55+,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2018,urban,male,27,25-34,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2019,rural,female,67,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2025,rural,female,57,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Senegal,2022,rural,female,23,15-24,second,1,0,Wari,0,0.0,none,8,13,moderate_burden
Mozambique,2025,urban,male,20,15-24,middle,1,1,M-Pesa,12,72.97,"loan_repayment,cash_deposit,person_to_person",10,3,moderate_burden
Uganda,2025,rural,female,59,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2019,rural,male,36,35-44,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2021,urban,female,69,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2023,rural,male,38,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2021,rural,female,52,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2020,rural,female,64,55+,middle,1,1,TNM Mpamba,14,63.6,"international_remittance,person_to_person,savings,merchant_payment,bill_payment",9,10,moderate_burden
Ethiopia,2024,urban,female,64,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2019,urban,male,58,55+,lowest,1,1,M-Pesa,11,59.58,"cash_deposit,savings,merchant_payment,bill_payment,person_to_person",2,11,moderate_burden
Uganda,2019,rural,female,19,15-24,lowest,1,1,Airtel Money,2,27.9,"loan_repayment,savings,person_to_person,bill_payment",6,5,moderate_burden
Kenya,2020,rural,female,63,55+,middle,1,1,M-Pesa,10,68.34,"savings,person_to_person,bill_payment",3,9,moderate_burden
Mali,2019,rural,female,61,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2024,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Kenya,2024,rural,male,24,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2023,urban,male,54,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2019,rural,male,68,55+,fourth,1,0,Airtel Money,0,0.0,none,6,11,moderate_burden
Nigeria,2022,urban,female,36,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2023,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2024,rural,male,72,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2023,rural,male,48,45-54,middle,1,1,Wari,7,60.26,"loan_repayment,cash_deposit,cash_withdrawal,bill_payment",4,10,moderate_burden
Uganda,2018,urban,male,52,45-54,fourth,1,0,Airtel Money,0,0.0,none,7,2,moderate_burden
Mali,2025,rural,male,27,25-34,middle,1,0,Moov Money,0,0.0,none,7,3,moderate_burden
Niger,2024,rural,male,46,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2021,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2025,rural,female,74,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2019,rural,male,15,15-24,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2022,rural,male,30,25-34,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2022,rural,male,56,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2023,rural,male,61,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2023,urban,male,34,25-34,highest,1,0,Moov Money,0,0.0,none,8,9,moderate_burden
Tanzania,2024,rural,male,38,35-44,fourth,1,1,M-Pesa,8,198.39,"loan_repayment,person_to_person,savings",10,1,moderate_burden
Mozambique,2023,rural,female,50,45-54,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2018,rural,female,68,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,3,1,moderate_burden
Mozambique,2023,urban,male,68,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2023,rural,female,61,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2023,urban,male,18,15-24,highest,1,0,M-Pesa,0,0.0,none,9,8,moderate_burden
Nigeria,2023,rural,female,31,25-34,second,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2024,rural,female,50,45-54,highest,1,0,Moov Money,0,0.0,none,5,2,moderate_burden
Senegal,2022,rural,female,39,35-44,lowest,1,0,Wari,0,0.0,none,1,6,moderate_burden
Ethiopia,2022,urban,female,22,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2018,urban,female,58,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,5,6,moderate_burden
Rwanda,2023,urban,male,73,55+,second,1,1,Airtel Money,21,68.4,"bill_payment,cash_deposit",6,8,moderate_burden
Malawi,2020,urban,male,43,35-44,middle,1,0,Airtel Money,0,0.0,none,10,2,moderate_burden
Mozambique,2020,rural,female,16,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2020,urban,male,71,55+,second,1,1,TNM Mpamba,8,119.4,"cash_deposit,person_to_person,savings,merchant_payment",8,4,moderate_burden
Zambia,2019,rural,male,27,25-34,second,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2020,urban,male,21,15-24,second,1,0,FNB eWallet,0,0.0,none,10,11,moderate_burden
Mozambique,2022,rural,male,55,45-54,second,1,1,M-Pesa,4,113.92,"cash_withdrawal,savings,bill_payment",6,2,moderate_burden
DRC,2021,rural,male,72,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2020,rural,male,20,15-24,middle,1,1,Moov Money,4,78.03,"international_remittance,person_to_person,savings,cash_withdrawal",7,7,moderate_burden
South Africa,2019,urban,female,23,15-24,second,1,0,MTN Mobile Money,0,0.0,none,8,11,moderate_burden
Niger,2023,rural,female,71,55+,highest,1,1,Airtel Money,10,63.52,"savings,bill_payment,airtime_purchase,cash_withdrawal",9,3,moderate_burden
Ethiopia,2024,urban,male,29,25-34,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2018,rural,female,48,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2025,rural,female,56,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2020,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2021,urban,female,54,45-54,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2022,urban,female,34,25-34,middle,1,1,Airtel Money,13,39.62,"merchant_payment,international_remittance,airtime_purchase,loan_repayment",3,4,moderate_burden
Mozambique,2023,urban,female,45,35-44,second,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2019,urban,male,30,25-34,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2019,urban,male,66,55+,fourth,1,0,Airtel Money,0,0.0,none,6,9,moderate_burden
Niger,2025,rural,female,20,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2020,rural,male,66,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2019,rural,male,69,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2019,rural,female,33,25-34,second,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2020,rural,male,46,45-54,fourth,1,0,Airtel Money,0,0.0,none,7,4,moderate_burden
Ethiopia,2021,rural,female,16,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2025,rural,male,56,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2024,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2021,rural,male,56,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2019,urban,female,64,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2019,rural,male,53,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2022,urban,male,46,45-54,middle,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2019,rural,male,20,15-24,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2021,rural,female,59,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2023,rural,female,44,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2019,rural,male,39,35-44,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2021,urban,female,33,25-34,highest,1,1,Airtel Money,14,150.63,"merchant_payment,cash_deposit,person_to_person,airtime_purchase",8,6,moderate_burden
Nigeria,2018,urban,female,21,15-24,fourth,1,1,Paga,8,210.61,"international_remittance,savings,airtime_purchase",10,7,moderate_burden
Senegal,2021,urban,female,19,15-24,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2020,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2025,rural,female,32,25-34,second,1,0,Airtel Money,0,0.0,none,10,4,moderate_burden
Zambia,2023,urban,female,23,15-24,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2024,rural,female,43,35-44,fourth,1,1,AirtelTigo Money,7,62.87,"person_to_person,cash_withdrawal,international_remittance,airtime_purchase,bill_payment",2,15,moderate_burden
Mali,2025,urban,female,41,35-44,highest,1,0,Moov Money,0,0.0,none,10,13,moderate_burden
South Africa,2022,urban,male,66,55+,highest,1,1,MTN Mobile Money,9,119.68,"airtime_purchase,loan_repayment,person_to_person,international_remittance",4,10,moderate_burden
DRC,2025,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2024,rural,female,24,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2025,urban,male,68,55+,highest,1,0,Airtel Money,0,0.0,none,10,5,moderate_burden
Nigeria,2018,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2018,rural,male,40,35-44,highest,1,0,Zamtel Kwacha,0,0.0,none,6,10,moderate_burden
Nigeria,2022,rural,male,60,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2024,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2021,urban,female,46,45-54,lowest,1,1,Airtel Money,15,90.58,"airtime_purchase,bill_payment",6,9,moderate_burden
Uganda,2020,rural,female,73,55+,second,1,0,Airtel Money,0,0.0,none,9,11,moderate_burden
Niger,2019,rural,female,32,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2024,urban,male,34,25-34,second,1,1,Airtel Money,8,233.73,"savings,international_remittance,airtime_purchase",5,16,moderate_burden
Kenya,2019,rural,female,39,35-44,middle,1,1,M-Pesa,9,80.44,"loan_repayment,cash_withdrawal,savings",8,2,moderate_burden
Mali,2021,rural,female,39,35-44,second,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2023,urban,male,64,55+,middle,1,1,Wave,13,179.54,"merchant_payment,cash_withdrawal",2,8,moderate_burden
Uganda,2025,rural,male,47,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,2,14,moderate_burden
Senegal,2021,urban,male,32,25-34,second,1,1,Orange Money,12,96.9,"cash_withdrawal,airtime_purchase",8,8,moderate_burden
Nigeria,2024,rural,female,74,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2018,urban,male,45,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2024,rural,male,54,45-54,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2019,urban,female,18,15-24,middle,1,1,Orange Money,13,160.15,"merchant_payment,person_to_person",10,8,moderate_burden
Kenya,2023,urban,female,40,35-44,highest,1,1,Airtel Money,11,171.62,"merchant_payment,person_to_person,cash_withdrawal",3,13,moderate_burden
Ghana,2025,rural,male,29,25-34,lowest,1,0,Vodafone Cash,0,0.0,none,10,15,moderate_burden
Ethiopia,2019,rural,male,32,25-34,second,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2024,rural,male,40,35-44,second,1,1,M-Pesa,6,87.48,"airtime_purchase,savings,cash_deposit,person_to_person",5,14,moderate_burden
Uganda,2025,rural,female,62,55+,middle,1,0,MTN Mobile Money,0,0.0,none,1,6,moderate_burden
Niger,2019,urban,male,44,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2020,rural,female,70,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2018,urban,male,17,15-24,lowest,1,0,Orange Money,0,0.0,none,3,5,moderate_burden
Ethiopia,2020,rural,male,44,35-44,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2022,urban,male,17,15-24,lowest,1,0,Tigo Pesa,0,0.0,none,8,4,moderate_burden
Kenya,2022,urban,female,23,15-24,second,1,0,M-Pesa,0,0.0,none,7,10,moderate_burden
Uganda,2021,urban,female,23,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2023,urban,male,74,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2020,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2023,rural,female,23,15-24,second,1,1,Airtel Money,7,138.1,"international_remittance,bill_payment,airtime_purchase",7,11,moderate_burden
Nigeria,2020,rural,male,25,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2019,rural,male,70,55+,fourth,1,1,Wave,10,47.52,"airtime_purchase,cash_withdrawal,merchant_payment,person_to_person,bill_payment",2,11,moderate_burden
Nigeria,2018,rural,male,23,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2022,rural,male,35,25-34,lowest,1,0,Orange Money,0,0.0,none,10,6,moderate_burden
Senegal,2023,rural,female,59,55+,middle,1,1,Orange Money,8,37.93,"airtime_purchase,cash_withdrawal,loan_repayment",9,10,moderate_burden
Ethiopia,2022,urban,female,16,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2019,rural,male,37,35-44,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2024,rural,female,29,25-34,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2024,urban,male,30,25-34,middle,1,1,Airtel Money,12,152.67,"loan_repayment,merchant_payment,international_remittance,cash_deposit",4,16,moderate_burden
DRC,2024,rural,male,36,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2019,urban,female,63,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2021,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2022,urban,female,34,25-34,second,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2020,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2018,urban,female,59,55+,highest,1,0,Wari,0,0.0,none,3,9,moderate_burden
Zambia,2018,rural,female,22,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2025,urban,female,43,35-44,lowest,1,1,Airtel Money,12,87.08,"person_to_person,airtime_purchase,merchant_payment,cash_withdrawal,savings",5,16,moderate_burden
Niger,2024,urban,male,52,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2024,rural,female,51,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Nigeria,2025,urban,female,25,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2024,urban,female,16,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2023,rural,female,63,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2022,urban,female,18,15-24,middle,1,1,M-Pesa,12,99.36,"bill_payment,person_to_person,savings,international_remittance",5,3,moderate_burden
Mozambique,2019,rural,female,28,25-34,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2019,urban,male,21,15-24,highest,1,0, PalmPay,0,0.0,none,7,2,moderate_burden
Senegal,2019,rural,female,67,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2024,rural,male,30,25-34,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2019,rural,female,72,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2021,urban,female,48,45-54,second,1,1,Airtel Money,14,45.83,"airtime_purchase,savings,bill_payment",10,3,moderate_burden
South Africa,2021,rural,male,71,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2019,rural,male,53,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2023,rural,female,60,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2021,urban,male,62,55+,fourth,1,0,Paga,0,0.0,none,3,13,moderate_burden
Senegal,2024,urban,male,16,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2018,urban,female,60,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2019,rural,male,21,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2021,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2020,rural,female,52,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2022,urban,male,17,15-24,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2021,rural,male,34,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2025,rural,male,55,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2022,rural,female,73,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2022,urban,male,39,35-44,fourth,1,0,Airtel Money,0,0.0,none,3,2,moderate_burden
South Africa,2021,urban,female,40,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2018,rural,female,24,15-24,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2022,urban,male,66,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,6,2,moderate_burden
DRC,2019,urban,female,23,15-24,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2019,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
DRC,2018,urban,female,67,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2019,urban,female,60,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2020,rural,female,54,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2022,rural,male,60,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2021,rural,male,55,45-54,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2019,rural,male,50,45-54,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2020,rural,female,16,15-24,highest,1,0,e-Mola,0,0.0,none,10,2,moderate_burden
Niger,2019,rural,female,44,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2023,rural,female,22,15-24,second,1,0,Airtel Money,0,0.0,none,7,6,moderate_burden
Mali,2021,urban,female,44,35-44,fourth,1,0,Moov Money,0,0.0,none,8,7,moderate_burden
Tanzania,2019,rural,female,63,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2025,urban,female,51,45-54,lowest,1,1,Moov Money,9,69.31,"savings,airtime_purchase",2,12,moderate_burden
DRC,2022,urban,male,51,45-54,highest,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2021,rural,female,50,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2024,urban,female,27,25-34,highest,1,1,Airtel Money,10,61.92,"savings,cash_deposit,cash_withdrawal",10,12,moderate_burden
Rwanda,2024,urban,female,48,45-54,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2021,rural,male,37,35-44,second,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2020,rural,male,73,55+,fourth,1,0,Orange Money,0,0.0,none,5,8,moderate_burden
Rwanda,2021,urban,female,17,15-24,lowest,1,1,Airtel Money,11,33.51,"merchant_payment,cash_deposit",10,1,moderate_burden
Malawi,2018,rural,female,33,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2025,rural,female,55,45-54,highest,1,0,MTN Mobile Money,0,0.0,none,9,12,moderate_burden
DRC,2021,rural,female,30,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2021,urban,male,20,15-24,middle,1,1,Moov Money,11,170.48,"cash_withdrawal,international_remittance",8,13,moderate_burden
Malawi,2021,urban,female,29,25-34,second,1,1,TNM Mpamba,10,56.55,"airtime_purchase,savings,bill_payment,cash_withdrawal",7,8,moderate_burden
DRC,2022,rural,male,18,15-24,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2024,rural,female,27,25-34,second,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2025,rural,male,66,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2022,rural,male,66,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2021,rural,male,30,25-34,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2021,rural,male,71,55+,middle,1,0,MTN Mobile Money,0,0.0,none,6,4,moderate_burden
South Africa,2021,urban,female,18,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2025,rural,male,66,55+,middle,1,1,e-Mola,8,97.58,"airtime_purchase,international_remittance,person_to_person",10,9,moderate_burden
Ethiopia,2020,urban,female,35,25-34,fourth,1,0,M-Birr,0,0.0,none,9,5,moderate_burden
Nigeria,2025,urban,female,25,15-24,middle,1,0,OPay,0,0.0,none,9,5,moderate_burden
South Africa,2021,urban,male,49,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2019,urban,male,74,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2023,rural,female,37,35-44,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2025,urban,female,30,25-34,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2018,rural,female,65,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2022,urban,female,64,55+,lowest,1,0,Airtel Money,0,0.0,none,6,1,moderate_burden
Kenya,2020,rural,male,16,15-24,lowest,1,1,M-Pesa,5,89.51,"international_remittance,person_to_person,cash_deposit",10,7,moderate_burden
Mali,2020,urban,male,21,15-24,middle,1,1,Moov Money,8,77.68,"cash_deposit,loan_repayment,savings,international_remittance",7,10,moderate_burden
South Africa,2019,rural,male,50,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2025,urban,female,30,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2018,urban,female,22,15-24,fourth,1,1,M-Pesa,7,181.22,"bill_payment,cash_withdrawal,cash_deposit,savings",6,5,moderate_burden
Niger,2021,rural,male,34,25-34,fourth,1,1,Airtel Money,6,102.65,"merchant_payment,savings,person_to_person",7,2,moderate_burden
South Africa,2025,urban,female,40,35-44,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2023,rural,female,70,55+,middle,1,0, PalmPay,0,0.0,none,3,13,moderate_burden
Kenya,2025,urban,male,47,45-54,second,1,0,Airtel Money,0,0.0,none,5,15,moderate_burden
Ethiopia,2025,rural,male,49,45-54,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2019,urban,male,39,35-44,fourth,1,0,Tigo Pesa,0,0.0,none,4,9,moderate_burden
Uganda,2019,urban,male,57,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2022,rural,female,62,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2021,urban,male,18,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2024,urban,female,61,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2019,rural,female,71,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2023,urban,female,66,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2021,rural,female,17,15-24,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2020,rural,male,35,25-34,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Nigeria,2025,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2025,rural,male,19,15-24,lowest,1,0,telebirr,0,0.0,none,5,17,moderate_burden
Rwanda,2023,urban,male,71,55+,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2020,urban,female,38,35-44,lowest,1,1,M-Pesa,12,64.23,"cash_withdrawal,airtime_purchase,merchant_payment",6,6,moderate_burden
Niger,2023,urban,male,64,55+,second,1,0,Moov Money,0,0.0,none,4,2,moderate_burden
Zambia,2021,urban,female,26,25-34,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2025,rural,female,62,55+,fourth,1,1,MTN Mobile Money,5,40.6,"cash_withdrawal,international_remittance",5,8,moderate_burden
Kenya,2021,rural,male,65,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2018,urban,female,47,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2024,rural,female,47,45-54,lowest,1,1,Airtel Money,6,52.95,"savings,cash_deposit",7,7,moderate_burden
Ethiopia,2022,rural,male,69,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2023,rural,female,21,15-24,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2018,rural,male,45,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2022,rural,female,68,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2018,rural,female,73,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2019,urban,female,64,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2025,rural,male,52,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2022,urban,female,32,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2023,rural,female,45,35-44,middle,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2025,rural,female,62,55+,middle,1,0,Vodapay,0,0.0,none,2,5,moderate_burden
Malawi,2018,rural,female,19,15-24,fourth,1,0,TNM Mpamba,0,0.0,none,2,5,moderate_burden
Mozambique,2024,urban,male,34,25-34,middle,1,0,M-Pesa,0,0.0,none,9,1,moderate_burden
Mali,2022,urban,female,38,35-44,fourth,1,1,Orange Money,10,115.75,"merchant_payment,international_remittance",9,12,moderate_burden
Ethiopia,2025,urban,male,74,55+,middle,1,0,M-Birr,0,0.0,none,3,1,moderate_burden
South Africa,2021,urban,female,24,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2019,rural,male,51,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2022,rural,male,30,25-34,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2025,urban,female,26,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2023,rural,male,53,45-54,lowest,1,1,Airtel Money,9,43.87,"international_remittance,loan_repayment,bill_payment",5,5,moderate_burden
Kenya,2018,urban,male,49,45-54,second,1,0,M-Pesa,0,0.0,none,9,1,moderate_burden
Nigeria,2024,rural,female,74,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2018,urban,male,62,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2024,rural,female,23,15-24,fourth,1,1,Orange Money,9,48.67,"person_to_person,airtime_purchase,bill_payment,cash_withdrawal,cash_deposit",6,5,moderate_burden
DRC,2019,rural,male,66,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2025,rural,female,37,35-44,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2024,urban,male,44,35-44,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2025,urban,male,67,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2025,urban,female,48,45-54,highest,1,1,MTN Mobile Money,15,100.64,"person_to_person,merchant_payment,cash_deposit",4,16,moderate_burden
DRC,2020,rural,male,35,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2025,rural,male,74,55+,fourth,1,0,AirtelTigo Money,0,0.0,none,2,11,moderate_burden
Kenya,2025,urban,female,51,45-54,lowest,1,1,M-Pesa,17,427.47,"merchant_payment,airtime_purchase,cash_withdrawal",5,14,moderate_burden
Nigeria,2022,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2019,urban,male,22,15-24,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2022,rural,male,20,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2024,urban,male,53,45-54,second,1,1,M-Birr,16,63.91,"airtime_purchase,savings,cash_deposit,person_to_person",4,11,moderate_burden
Zambia,2019,urban,male,27,25-34,fourth,1,1,MTN Mobile Money,12,61.52,"cash_withdrawal,bill_payment",7,4,moderate_burden
DRC,2022,urban,male,73,55+,lowest,1,0,Airtel Money,0,0.0,none,6,14,moderate_burden
DRC,2023,urban,male,53,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2021,rural,female,73,55+,fourth,1,0,Wari,0,0.0,none,7,9,moderate_burden
Uganda,2023,rural,female,24,15-24,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Ghana,2021,urban,male,71,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,3,7,moderate_burden
South Africa,2022,rural,female,34,25-34,middle,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2022,rural,male,23,15-24,highest,1,0,Airtel Money,0,0.0,none,5,14,moderate_burden
Nigeria,2021,rural,female,21,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2023,rural,female,67,55+,middle,1,1,FNB eWallet,9,31.86,"savings,airtime_purchase",4,13,moderate_burden
Mali,2020,rural,female,57,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2019,rural,female,17,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2019,urban,female,71,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Nigeria,2018,urban,male,17,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2023,urban,female,17,15-24,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2024,rural,male,52,45-54,middle,1,0,Airtel Money,0,0.0,none,2,4,moderate_burden
South Africa,2022,rural,female,36,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,10,12,moderate_burden
Malawi,2021,urban,female,30,25-34,second,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2025,rural,female,18,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2021,rural,female,31,25-34,second,1,0,M-Pesa,0,0.0,none,10,6,moderate_burden
Zambia,2020,urban,male,40,35-44,highest,1,1,MTN Mobile Money,13,72.59,"person_to_person,loan_repayment,savings,merchant_payment",4,6,moderate_burden
South Africa,2018,urban,female,73,55+,second,1,1,MTN Mobile Money,8,56.25,"airtime_purchase,international_remittance,cash_withdrawal,bill_payment,merchant_payment",5,9,moderate_burden
South Africa,2020,urban,female,18,15-24,highest,1,0,Vodapay,0,0.0,none,7,7,moderate_burden
Malawi,2018,rural,female,51,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2023,rural,female,68,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2020,rural,female,70,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2018,rural,male,16,15-24,second,1,1,Tigo Pesa,7,22.18,"merchant_payment,cash_withdrawal",6,8,moderate_burden
Zambia,2019,urban,male,63,55+,middle,1,1,Zamtel Kwacha,12,36.42,"cash_deposit,savings",10,2,moderate_burden
Ethiopia,2023,urban,female,66,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2018,rural,male,53,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2025,urban,female,26,25-34,highest,1,1,Airtel Money,14,178.77,"airtime_purchase,bill_payment,merchant_payment",9,12,moderate_burden
DRC,2022,rural,female,54,45-54,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Niger,2025,rural,male,61,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2023,urban,male,59,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2019,rural,male,39,35-44,lowest,1,0,Airtel Money,0,0.0,none,10,6,moderate_burden
Senegal,2024,rural,male,47,45-54,middle,0,0,none,0,0.0,none,1,0,moderate_burden
DRC,2019,rural,male,21,15-24,second,1,0,M-Pesa,0,0.0,none,10,2,moderate_burden
Malawi,2020,rural,male,20,15-24,highest,1,0,Airtel Money,0,0.0,none,3,1,moderate_burden
Zambia,2023,urban,female,49,45-54,fourth,1,1,MTN Mobile Money,17,144.3,"cash_withdrawal,airtime_purchase,international_remittance,merchant_payment,cash_deposit",4,14,moderate_burden
Senegal,2022,rural,female,27,25-34,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2023,urban,male,37,35-44,lowest,1,1,MTN Mobile Money,15,210.2,"cash_deposit,savings",5,2,moderate_burden
Senegal,2020,urban,male,15,15-24,middle,1,1,Orange Money,9,64.4,"bill_payment,cash_deposit,loan_repayment,person_to_person",3,7,moderate_burden
Ghana,2025,rural,female,29,25-34,lowest,1,1,MTN Mobile Money,10,52.93,"savings,cash_deposit,cash_withdrawal,bill_payment",7,9,moderate_burden
Kenya,2023,rural,female,67,55+,fourth,1,0,Airtel Money,0,0.0,none,3,9,moderate_burden
Tanzania,2025,rural,male,25,15-24,highest,1,0,M-Pesa,0,0.0,none,7,14,moderate_burden
Mozambique,2025,rural,male,65,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2023,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2023,rural,male,64,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2022,urban,male,52,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,10,12,moderate_burden
Mozambique,2021,urban,female,22,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2024,urban,male,16,15-24,lowest,1,1,telebirr,12,89.21,"bill_payment,person_to_person,airtime_purchase",6,16,moderate_burden
Tanzania,2023,rural,female,34,25-34,highest,1,0,M-Pesa,0,0.0,none,10,9,moderate_burden
Tanzania,2025,rural,female,18,15-24,fourth,1,1,Airtel Money,15,54.36,"international_remittance,person_to_person",3,13,moderate_burden
Mozambique,2024,urban,female,33,25-34,highest,1,1,M-Pesa,8,151.4,"merchant_payment,airtime_purchase",4,14,moderate_burden
Uganda,2022,urban,female,43,35-44,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2022,rural,female,24,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2022,rural,male,62,55+,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2024,rural,female,39,35-44,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2024,urban,male,29,25-34,highest,1,0,Orange Money,0,0.0,none,10,16,moderate_burden
Uganda,2020,rural,male,72,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,1,2,moderate_burden
Nigeria,2019,rural,female,56,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2024,urban,male,42,35-44,highest,1,1,Vodapay,14,156.59,"loan_repayment,savings",4,13,moderate_burden
Kenya,2022,urban,male,24,15-24,highest,1,1,M-Pesa,11,83.48,"cash_withdrawal,airtime_purchase,person_to_person,bill_payment,international_remittance",3,13,moderate_burden
Niger,2022,rural,female,15,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2019,rural,male,53,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2019,urban,female,45,35-44,lowest,1,0,telebirr,0,0.0,none,7,2,moderate_burden
Mali,2023,rural,male,47,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2025,rural,female,33,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,8,15,moderate_burden
Niger,2019,urban,female,74,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2018,rural,male,65,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2022,rural,female,54,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2020,rural,male,55,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2025,rural,female,21,15-24,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2021,urban,male,40,35-44,highest,1,0,Airtel Money,0,0.0,none,10,13,moderate_burden
Zambia,2023,urban,male,23,15-24,lowest,1,0,Airtel Money,0,0.0,none,8,3,moderate_burden
Tanzania,2018,urban,female,47,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2018,urban,male,32,25-34,fourth,1,1,Orange Money,8,363.2,"loan_repayment,merchant_payment",5,9,moderate_burden
Ghana,2023,rural,female,21,15-24,middle,1,0,AirtelTigo Money,0,0.0,none,10,4,moderate_burden
Rwanda,2019,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2021,rural,female,64,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2025,rural,male,60,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2021,rural,male,33,25-34,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2025,rural,male,33,25-34,middle,1,1,M-Pesa,9,97.89,"person_to_person,international_remittance,savings,loan_repayment,bill_payment",7,7,moderate_burden
Malawi,2018,rural,male,34,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2022,rural,female,60,55+,middle,1,0,Wave,0,0.0,none,2,6,moderate_burden
Uganda,2024,rural,male,57,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,6,11,moderate_burden
Ghana,2020,rural,male,28,25-34,highest,1,0,Vodafone Cash,0,0.0,none,8,9,moderate_burden
Mozambique,2023,rural,female,16,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2023,rural,male,70,55+,fourth,1,0,Vodapay,0,0.0,none,9,8,moderate_burden
South Africa,2022,urban,female,74,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,7,14,moderate_burden
Mali,2018,urban,female,45,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2022,rural,male,18,15-24,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2023,rural,male,74,55+,highest,1,0,MTN Mobile Money,0,0.0,none,5,4,moderate_burden
Kenya,2020,urban,female,47,45-54,lowest,1,1,Airtel Money,10,174.2,"cash_withdrawal,person_to_person,savings,loan_repayment,cash_deposit",5,12,moderate_burden
Mozambique,2022,rural,male,23,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2021,rural,male,46,45-54,fourth,1,0,Moov Money,0,0.0,none,6,8,moderate_burden
Ghana,2022,rural,male,55,45-54,fourth,1,0,Vodafone Cash,0,0.0,none,3,10,moderate_burden
DRC,2023,urban,male,20,15-24,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2022,rural,male,49,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2024,urban,male,38,35-44,lowest,1,1,MTN Mobile Money,10,95.89,"international_remittance,bill_payment,merchant_payment,cash_withdrawal",9,12,moderate_burden
Rwanda,2018,urban,female,52,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,10,10,moderate_burden
Mali,2023,rural,female,16,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2020,urban,male,67,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2024,rural,female,63,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2019,urban,male,46,45-54,second,1,1,Airtel Money,15,100.29,"merchant_payment,international_remittance,cash_deposit,loan_repayment,airtime_purchase",6,11,moderate_burden
Uganda,2022,rural,male,43,35-44,highest,1,0,Airtel Money,0,0.0,none,7,7,moderate_burden
Malawi,2019,rural,male,47,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2022,urban,female,57,55+,fourth,1,0,M-Pesa,0,0.0,none,8,12,moderate_burden
Nigeria,2021,urban,female,16,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2024,rural,male,45,35-44,middle,1,0,Airtel Money,0,0.0,none,7,14,moderate_burden
Uganda,2021,rural,female,27,25-34,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2019,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2022,rural,female,66,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2018,rural,male,73,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2022,rural,female,64,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2025,rural,male,72,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2024,rural,male,47,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2025,rural,male,52,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2020,urban,male,19,15-24,second,1,1,Orange Money,14,65.26,"international_remittance,cash_withdrawal",10,4,moderate_burden
Nigeria,2018,urban,female,17,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2021,urban,male,65,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2025,urban,female,45,35-44,lowest,1,1,M-Pesa,17,61.88,"savings,merchant_payment,cash_deposit",10,10,moderate_burden
Ghana,2025,rural,female,42,35-44,middle,1,0,AirtelTigo Money,0,0.0,none,5,8,moderate_burden
Mali,2022,urban,male,34,25-34,lowest,1,0,Moov Money,0,0.0,none,7,2,moderate_burden
South Africa,2022,rural,female,16,15-24,second,1,1,FNB eWallet,9,161.85,"savings,airtime_purchase,merchant_payment",4,3,moderate_burden
Ghana,2023,urban,female,25,15-24,second,1,0,MTN Mobile Money,0,0.0,none,10,9,moderate_burden
DRC,2023,urban,male,53,45-54,fourth,1,1,M-Pesa,12,146.11,"loan_repayment,airtime_purchase,cash_deposit,person_to_person",5,5,moderate_burden
Mali,2020,urban,male,70,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2022,rural,female,72,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2019,urban,male,51,45-54,highest,1,1,Tigo Pesa,14,181.94,"person_to_person,loan_repayment,merchant_payment,cash_withdrawal,savings",10,8,moderate_burden
Ethiopia,2023,rural,female,57,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2021,urban,male,73,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2018,rural,female,57,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2020,rural,female,52,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2021,urban,male,29,25-34,fourth,1,0,Orange Money,0,0.0,none,10,8,moderate_burden
Nigeria,2020,urban,male,54,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2021,urban,male,33,25-34,middle,1,0,Orange Money,0,0.0,none,8,12,moderate_burden
DRC,2022,rural,female,72,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2020,urban,female,17,15-24,middle,1,0,M-Birr,0,0.0,none,10,10,moderate_burden
Mali,2023,rural,female,70,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2019,rural,female,43,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2022,rural,female,57,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2024,urban,female,68,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2023,rural,male,53,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2025,urban,male,40,35-44,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2022,rural,male,69,55+,fourth,1,0,Tigo Pesa,0,0.0,none,3,5,moderate_burden
Malawi,2021,rural,male,22,15-24,fourth,1,0,Airtel Money,0,0.0,none,7,11,moderate_burden
Nigeria,2019,rural,male,60,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2019,rural,female,18,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2024,urban,male,54,45-54,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2023,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2019,rural,female,47,45-54,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2025,rural,female,25,15-24,middle,1,1,Vodafone Cash,9,97.55,"loan_repayment,international_remittance,savings,person_to_person",9,5,moderate_burden
DRC,2020,rural,female,68,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2025,urban,male,23,15-24,lowest,1,1,MTN Mobile Money,11,176.6,"cash_withdrawal,loan_repayment,person_to_person",9,9,moderate_burden
Ghana,2022,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2023,rural,female,38,35-44,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2019,rural,male,62,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2023,rural,female,68,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2023,rural,male,19,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2022,rural,male,42,35-44,second,1,0,MTN Mobile Money,0,0.0,none,1,1,moderate_burden
DRC,2023,urban,female,45,35-44,fourth,1,1,Orange Money,10,69.06,"international_remittance,person_to_person,cash_deposit,airtime_purchase",4,4,moderate_burden
Mali,2022,rural,male,56,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2021,rural,male,34,25-34,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2025,rural,female,27,25-34,fourth,1,1,Airtel Money,12,39.83,"person_to_person,bill_payment",6,17,moderate_burden
Malawi,2023,rural,female,37,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2023,rural,male,73,55+,middle,1,0,M-Pesa,0,0.0,none,9,2,moderate_burden
Niger,2018,rural,male,58,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2019,rural,male,68,55+,lowest,1,0,Moov Money,0,0.0,none,4,1,moderate_burden
Niger,2020,urban,female,27,25-34,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2019,rural,female,74,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2022,urban,male,59,55+,fourth,1,1,MTN Mobile Money,9,71.03,"airtime_purchase,loan_repayment,cash_deposit",10,5,moderate_burden
DRC,2025,urban,male,37,35-44,second,1,1,Airtel Money,14,222.51,"savings,cash_withdrawal,cash_deposit,merchant_payment",7,4,moderate_burden
Kenya,2019,rural,female,44,35-44,middle,1,0,Airtel Money,0,0.0,none,3,2,moderate_burden
Tanzania,2022,rural,male,22,15-24,middle,1,0,Airtel Money,0,0.0,none,3,6,moderate_burden
Niger,2022,urban,female,74,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2025,rural,male,31,25-34,second,1,1,M-Birr,8,100.47,"cash_deposit,person_to_person,international_remittance",6,17,moderate_burden
Tanzania,2025,urban,female,73,55+,fourth,1,1,M-Pesa,15,93.68,"loan_repayment,cash_deposit,cash_withdrawal,person_to_person",9,1,moderate_burden
Mali,2022,rural,female,59,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2025,rural,female,60,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2025,urban,female,71,55+,fourth,1,1,Zamtel Kwacha,12,63.27,"person_to_person,merchant_payment,cash_deposit,bill_payment,savings",8,5,moderate_burden
Niger,2024,rural,female,57,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2019,rural,male,40,35-44,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2019,rural,male,72,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,1,11,moderate_burden
Malawi,2019,rural,female,40,35-44,second,1,0,Airtel Money,0,0.0,none,7,10,moderate_burden
Zambia,2019,rural,female,72,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2018,rural,male,67,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2019,rural,female,42,35-44,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2025,rural,female,72,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2021,urban,male,58,55+,second,1,1,M-Pesa,10,99.03,"cash_deposit,merchant_payment,savings,cash_withdrawal",6,13,moderate_burden
DRC,2018,urban,male,73,55+,middle,1,1,Orange Money,8,110.19,"bill_payment,international_remittance,cash_withdrawal,merchant_payment",10,7,moderate_burden
Nigeria,2022,urban,male,72,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2019,urban,male,58,55+,highest,1,0,MTN Mobile Money,0,0.0,none,10,11,moderate_burden
Mali,2024,urban,male,74,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2022,rural,male,25,15-24,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2022,rural,female,47,45-54,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2025,rural,female,71,55+,highest,1,0,AirtelTigo Money,0,0.0,none,5,12,moderate_burden
Rwanda,2022,urban,male,64,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2025,rural,male,27,25-34,middle,1,0,Airtel Money,0,0.0,none,5,15,moderate_burden
Tanzania,2024,urban,female,21,15-24,fourth,1,0,M-Pesa,0,0.0,none,9,16,moderate_burden
Niger,2018,rural,male,22,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2021,rural,male,42,35-44,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2024,rural,female,24,15-24,second,1,0,Airtel Money,0,0.0,none,4,8,moderate_burden
Mali,2023,rural,female,63,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2022,rural,male,21,15-24,fourth,1,0,AirtelTigo Money,0,0.0,none,10,2,moderate_burden
Mozambique,2022,rural,female,48,45-54,middle,1,0,M-Pesa,0,0.0,none,7,2,moderate_burden
Niger,2025,urban,male,22,15-24,lowest,1,1,Airtel Money,13,32.91,"loan_repayment,cash_deposit,international_remittance,savings,person_to_person",8,7,moderate_burden
Uganda,2022,rural,male,43,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2021,urban,female,27,25-34,middle,1,1,MTN Mobile Money,9,62.98,"airtime_purchase,cash_deposit,loan_repayment,cash_withdrawal",7,1,moderate_burden
Kenya,2021,urban,female,30,25-34,middle,1,0,Airtel Money,0,0.0,none,7,4,moderate_burden
Ghana,2021,rural,female,73,55+,second,1,0,AirtelTigo Money,0,0.0,none,10,11,moderate_burden
Niger,2024,rural,female,58,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2022,urban,female,47,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2024,rural,male,19,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2025,rural,male,48,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2023,rural,male,25,15-24,second,1,0,M-Pesa,0,0.0,none,3,1,moderate_burden
Mozambique,2022,urban,male,35,25-34,highest,1,0,M-Pesa,0,0.0,none,2,12,moderate_burden
Rwanda,2020,rural,male,28,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2023,rural,female,27,25-34,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2024,urban,male,21,15-24,middle,1,1, PalmPay,15,72.0,"cash_deposit,loan_repayment,cash_withdrawal,bill_payment,merchant_payment",4,4,moderate_burden
Mozambique,2021,urban,female,42,35-44,middle,1,0,e-Mola,0,0.0,none,8,5,moderate_burden
Niger,2024,urban,female,21,15-24,highest,1,0,Moov Money,0,0.0,none,5,6,moderate_burden
Ethiopia,2022,rural,male,72,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Rwanda,2021,urban,female,39,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,3,10,moderate_burden
Uganda,2020,rural,male,52,45-54,second,1,0,Airtel Money,0,0.0,none,8,10,moderate_burden
Tanzania,2020,rural,female,70,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2021,rural,male,26,25-34,fourth,1,0,Airtel Money,0,0.0,none,10,3,moderate_burden
Niger,2018,rural,male,63,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2021,urban,female,22,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2020,rural,male,48,45-54,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2025,urban,female,46,45-54,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2022,urban,female,31,25-34,highest,1,0,TNM Mpamba,0,0.0,none,8,3,moderate_burden
Kenya,2023,urban,female,62,55+,lowest,1,0,M-Pesa,0,0.0,none,10,4,moderate_burden
Niger,2021,urban,male,22,15-24,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2024,rural,male,52,45-54,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2024,rural,male,66,55+,middle,1,0,MTN Mobile Money,0,0.0,none,7,13,moderate_burden
Mozambique,2018,urban,male,64,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2025,urban,female,20,15-24,second,1,0,Moov Money,0,0.0,none,3,14,moderate_burden
Niger,2023,rural,male,51,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2025,rural,female,42,35-44,middle,1,1,Orange Money,11,59.73,"international_remittance,person_to_person,savings,bill_payment,cash_withdrawal",1,10,moderate_burden
Ethiopia,2025,urban,female,44,35-44,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2023,urban,female,44,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2019,urban,male,34,25-34,fourth,1,0,Tigo Pesa,0,0.0,none,3,10,moderate_burden
Mali,2025,rural,female,49,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2019,rural,male,20,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,10,4,moderate_burden
South Africa,2021,urban,female,23,15-24,second,1,0,Vodapay,0,0.0,none,6,7,moderate_burden
Ethiopia,2025,rural,female,65,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2022,urban,male,68,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2025,urban,female,20,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2023,urban,female,43,35-44,middle,1,1,M-Pesa,9,135.61,"loan_repayment,cash_withdrawal,savings",2,4,moderate_burden
Rwanda,2023,rural,female,43,35-44,middle,1,0,Airtel Money,0,0.0,none,3,11,moderate_burden
Kenya,2020,rural,female,52,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2023,rural,male,52,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2023,rural,female,50,45-54,second,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2023,urban,female,17,15-24,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2025,rural,male,37,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2025,rural,male,26,25-34,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2021,rural,female,25,15-24,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2018,rural,female,55,45-54,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2019,rural,male,60,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2019,urban,female,24,15-24,middle,1,1,M-Pesa,12,61.09,"merchant_payment,person_to_person",10,5,moderate_burden
South Africa,2025,rural,male,50,45-54,fourth,1,1,MTN Mobile Money,5,46.28,"airtime_purchase,person_to_person,international_remittance,savings",3,4,moderate_burden
Niger,2023,rural,female,16,15-24,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2018,rural,female,65,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2018,rural,male,53,45-54,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2018,urban,male,27,25-34,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2020,urban,female,66,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2025,rural,male,28,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2023,rural,female,19,15-24,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2022,rural,female,61,55+,lowest,1,0,M-Pesa,0,0.0,none,9,5,moderate_burden
Mali,2024,urban,male,47,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2023,urban,female,45,35-44,fourth,1,1,Airtel Money,14,147.39,"bill_payment,international_remittance,merchant_payment,airtime_purchase",3,13,moderate_burden
Senegal,2025,urban,female,51,45-54,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2021,rural,male,43,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2021,urban,male,31,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2018,urban,male,32,25-34,middle,1,0,Orange Money,0,0.0,none,10,3,moderate_burden
Ethiopia,2018,urban,male,35,25-34,middle,1,0,M-Birr,0,0.0,none,8,6,moderate_burden
Senegal,2025,rural,female,40,35-44,second,1,1,Wave,3,132.05,"bill_payment,cash_withdrawal,merchant_payment,savings",8,8,moderate_burden
Ethiopia,2025,rural,male,31,25-34,second,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2022,rural,female,29,25-34,highest,1,1,M-Pesa,5,50.93,"cash_withdrawal,person_to_person,bill_payment,cash_deposit",5,2,moderate_burden
Rwanda,2025,urban,male,23,15-24,second,1,1,Airtel Money,11,53.83,"cash_withdrawal,savings,international_remittance,airtime_purchase,loan_repayment",10,9,moderate_burden
Tanzania,2025,rural,male,45,35-44,highest,1,0,Airtel Money,0,0.0,none,10,10,moderate_burden
DRC,2025,rural,male,64,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2025,rural,male,37,35-44,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2021,urban,female,52,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2020,rural,male,47,45-54,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2024,urban,male,32,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2024,rural,female,73,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2022,rural,male,59,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2021,rural,male,61,55+,highest,1,0,telebirr,0,0.0,none,6,4,moderate_burden
Mozambique,2022,rural,male,16,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2019,rural,female,56,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2020,urban,female,40,35-44,fourth,1,1,Airtel Money,12,59.24,"cash_withdrawal,loan_repayment,bill_payment,airtime_purchase,cash_deposit",9,12,moderate_burden
Senegal,2022,rural,female,17,15-24,highest,1,0,Wave,0,0.0,none,10,3,moderate_burden
Mali,2019,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2025,rural,female,41,35-44,highest,1,0,Airtel Money,0,0.0,none,8,9,moderate_burden
Ethiopia,2025,urban,male,52,45-54,highest,1,1,M-Birr,12,133.34,"cash_deposit,loan_repayment",3,6,moderate_burden
Uganda,2025,urban,female,42,35-44,second,1,0,Airtel Money,0,0.0,none,7,9,moderate_burden
Uganda,2024,rural,female,18,15-24,second,1,1,MTN Mobile Money,7,182.88,"loan_repayment,airtime_purchase,savings,cash_withdrawal,international_remittance",3,16,moderate_burden
Malawi,2023,rural,male,20,15-24,second,1,0,TNM Mpamba,0,0.0,none,4,9,moderate_burden
Uganda,2020,urban,female,55,45-54,highest,1,1,MTN Mobile Money,12,260.95,"international_remittance,airtime_purchase,loan_repayment,bill_payment",5,7,moderate_burden
Senegal,2019,rural,female,72,55+,highest,1,1,Orange Money,8,36.04,"savings,loan_repayment",6,3,moderate_burden
Ghana,2025,urban,female,36,35-44,middle,1,1,MTN Mobile Money,9,69.5,"international_remittance,merchant_payment,airtime_purchase,cash_deposit",7,5,moderate_burden
South Africa,2022,rural,female,21,15-24,highest,1,0,FNB eWallet,0,0.0,none,2,3,moderate_burden
South Africa,2020,rural,female,49,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2020,rural,male,21,15-24,second,1,0,Vodafone Cash,0,0.0,none,10,7,moderate_burden
Mozambique,2023,rural,female,26,25-34,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2018,urban,female,22,15-24,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2023,urban,female,69,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2023,urban,male,58,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2018,urban,female,55,45-54,lowest,1,1,M-Pesa,9,42.35,"merchant_payment,loan_repayment,cash_withdrawal,international_remittance,airtime_purchase",3,7,moderate_burden
Ghana,2024,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2025,rural,male,36,35-44,fourth,1,0,Moov Money,0,0.0,none,9,2,moderate_burden
Nigeria,2024,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2025,rural,male,62,55+,fourth,1,0,TNM Mpamba,0,0.0,none,3,14,moderate_burden
Mali,2021,rural,female,44,35-44,fourth,1,1,Moov Money,4,115.98,"merchant_payment,international_remittance,cash_withdrawal,bill_payment,cash_deposit",4,13,moderate_burden
Rwanda,2020,rural,female,16,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2019,urban,female,23,15-24,middle,1,0,M-Birr,0,0.0,none,4,2,moderate_burden
DRC,2019,rural,male,47,45-54,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2025,urban,female,45,35-44,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2024,urban,male,47,45-54,lowest,1,1,Airtel Money,8,184.74,"cash_deposit,merchant_payment,bill_payment,savings",6,14,moderate_burden
Rwanda,2023,urban,female,55,45-54,second,1,0,MTN Mobile Money,0,0.0,none,10,7,moderate_burden
Uganda,2023,rural,female,32,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,10,7,moderate_burden
Kenya,2024,urban,male,19,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2022,rural,female,71,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Zambia,2023,urban,female,19,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2019,rural,female,66,55+,lowest,1,0,Airtel Money,0,0.0,none,7,7,moderate_burden
DRC,2024,urban,female,27,25-34,highest,1,1,Airtel Money,16,119.97,"airtime_purchase,bill_payment,cash_withdrawal",5,7,moderate_burden
DRC,2020,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2021,urban,female,20,15-24,lowest,1,1,M-Pesa,14,108.51,"merchant_payment,person_to_person",4,12,moderate_burden
South Africa,2019,rural,female,68,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2020,urban,male,25,15-24,fourth,1,0,Orange Money,0,0.0,none,7,5,moderate_burden
Ghana,2023,urban,male,31,25-34,middle,1,1,MTN Mobile Money,10,51.24,"merchant_payment,cash_withdrawal,bill_payment,loan_repayment,savings",9,6,moderate_burden
Kenya,2021,urban,female,50,45-54,highest,1,1,M-Pesa,16,104.04,"savings,merchant_payment",7,3,moderate_burden
Mozambique,2024,urban,female,33,25-34,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2020,rural,male,42,35-44,second,1,0,Airtel Money,0,0.0,none,6,3,moderate_burden
Niger,2018,rural,male,53,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2020,rural,male,70,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,9,3,moderate_burden
Zambia,2020,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2025,rural,male,58,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2021,rural,female,71,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2024,urban,female,16,15-24,second,1,0,Moov Money,0,0.0,none,10,9,moderate_burden
Niger,2019,urban,male,22,15-24,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2020,rural,male,54,45-54,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2023,urban,female,35,25-34,fourth,1,0,Wave,0,0.0,none,3,1,moderate_burden
Uganda,2019,rural,female,44,35-44,second,1,1,MTN Mobile Money,13,82.52,"loan_repayment,merchant_payment",10,11,moderate_burden
DRC,2021,rural,female,51,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2020,urban,male,42,35-44,second,1,0,Orange Money,0,0.0,none,5,4,moderate_burden
Ghana,2024,rural,male,50,45-54,middle,1,1,AirtelTigo Money,8,96.87,"person_to_person,merchant_payment",3,6,moderate_burden
Uganda,2020,rural,female,52,45-54,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2025,rural,female,39,35-44,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
South Africa,2023,rural,female,54,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2021,rural,male,40,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2020,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Senegal,2018,urban,female,42,35-44,highest,1,0,Wave,0,0.0,none,3,7,moderate_burden
Tanzania,2023,urban,male,17,15-24,lowest,1,1,M-Pesa,13,149.47,"savings,loan_repayment,airtime_purchase",10,12,moderate_burden
Tanzania,2025,urban,male,23,15-24,fourth,1,0,M-Pesa,0,0.0,none,6,17,moderate_burden
Niger,2020,urban,female,57,55+,second,1,1,Airtel Money,9,54.22,"savings,cash_withdrawal",8,12,moderate_burden
Rwanda,2020,rural,male,34,25-34,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2020,rural,female,54,45-54,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2025,rural,male,51,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2024,urban,female,39,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,8,2,moderate_burden
Mozambique,2023,rural,male,65,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2025,urban,male,44,35-44,second,1,1,telebirr,13,260.09,"merchant_payment,cash_deposit,person_to_person,airtime_purchase,savings",10,12,moderate_burden
Mozambique,2023,urban,male,72,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2020,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2025,rural,male,42,35-44,second,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2022,rural,male,22,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2022,rural,female,20,15-24,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2022,urban,male,55,45-54,second,1,1,Airtel Money,18,143.55,"cash_withdrawal,savings,loan_repayment,bill_payment,international_remittance",8,13,moderate_burden
Rwanda,2023,urban,male,55,45-54,highest,1,0,Airtel Money,0,0.0,none,8,15,moderate_burden
Mali,2023,rural,female,18,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2023,urban,female,55,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2025,urban,female,24,15-24,middle,1,0,Vodafone Cash,0,0.0,none,10,16,moderate_burden
Ghana,2020,rural,female,35,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2020,rural,female,51,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2025,urban,male,21,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,7,6,moderate_burden
Rwanda,2024,rural,male,37,35-44,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2018,rural,female,66,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2023,urban,female,38,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2019,rural,female,43,35-44,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2023,rural,male,66,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2021,rural,female,33,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2021,urban,female,70,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2023,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2025,rural,female,23,15-24,second,1,0,MTN Mobile Money,0,0.0,none,10,15,moderate_burden
Tanzania,2021,urban,male,52,45-54,fourth,1,1,M-Pesa,15,96.16,"merchant_payment,cash_deposit,person_to_person",2,10,moderate_burden
Ethiopia,2023,rural,male,42,35-44,fourth,1,0,telebirr,0,0.0,none,8,15,moderate_burden
Ghana,2024,rural,female,16,15-24,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2025,urban,male,18,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2023,rural,female,25,15-24,second,1,0,Airtel Money,0,0.0,none,8,2,moderate_burden
Zambia,2024,rural,female,21,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2018,urban,male,54,45-54,second,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2025,rural,female,20,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2018,rural,female,55,45-54,highest,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2020,urban,male,66,55+,highest,1,0,MTN Mobile Money,0,0.0,none,9,12,moderate_burden
Tanzania,2022,rural,female,29,25-34,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2022,urban,female,38,35-44,middle,1,0,Airtel Money,0,0.0,none,3,8,moderate_burden
Tanzania,2023,rural,male,42,35-44,lowest,1,1,Airtel Money,4,67.13,"international_remittance,cash_withdrawal,loan_repayment",6,5,moderate_burden
Zambia,2024,rural,female,33,25-34,second,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2024,rural,female,30,25-34,second,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2022,urban,female,30,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2019,rural,female,40,35-44,middle,1,1,Orange Money,6,61.74,"bill_payment,person_to_person,cash_deposit,airtime_purchase",2,9,moderate_burden
Uganda,2022,urban,female,43,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,7,1,moderate_burden
Tanzania,2019,urban,male,37,35-44,lowest,1,1,Tigo Pesa,8,45.27,"person_to_person,cash_withdrawal,savings",4,2,moderate_burden
Rwanda,2020,rural,male,59,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2021,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2021,rural,female,50,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2022,rural,male,52,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2024,rural,female,28,25-34,highest,1,0,M-Pesa,0,0.0,none,2,15,moderate_burden
Tanzania,2021,urban,male,21,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2018,rural,male,69,55+,highest,1,0,Airtel Money,0,0.0,none,3,8,moderate_burden
Tanzania,2021,rural,female,18,15-24,middle,1,1,Tigo Pesa,10,27.64,"savings,international_remittance",5,9,moderate_burden
Niger,2023,urban,female,32,25-34,highest,1,0,Airtel Money,0,0.0,none,3,6,moderate_burden
Zambia,2024,urban,female,43,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2024,urban,female,53,45-54,fourth,1,1,Paga,18,197.81,"loan_repayment,international_remittance,airtime_purchase",7,9,moderate_burden
DRC,2024,rural,male,55,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2020,urban,male,39,35-44,middle,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2018,urban,male,34,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2020,urban,male,32,25-34,highest,1,0,Airtel Money,0,0.0,none,7,9,moderate_burden
Mali,2018,rural,male,56,55+,second,1,0,Moov Money,0,0.0,none,1,3,moderate_burden
Tanzania,2020,rural,female,18,15-24,second,1,1,Tigo Pesa,15,66.64,"loan_repayment,bill_payment,cash_withdrawal",5,4,moderate_burden
Malawi,2021,urban,male,64,55+,lowest,1,0,TNM Mpamba,0,0.0,none,3,3,moderate_burden
Niger,2024,rural,male,42,35-44,fourth,1,1,Airtel Money,6,114.02,"airtime_purchase,international_remittance,person_to_person",5,5,moderate_burden
Nigeria,2024,rural,male,44,35-44,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2020,urban,male,25,15-24,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2018,rural,male,23,15-24,middle,1,0,Moov Money,0,0.0,none,8,6,moderate_burden
DRC,2019,rural,female,34,25-34,fourth,1,0,Airtel Money,0,0.0,none,6,10,moderate_burden
Kenya,2023,urban,female,37,35-44,second,1,0,Airtel Money,0,0.0,none,2,6,moderate_burden
Uganda,2022,rural,male,63,55+,fourth,1,1,MTN Mobile Money,7,145.73,"international_remittance,savings,person_to_person,cash_withdrawal",4,2,moderate_burden
Kenya,2023,rural,female,49,45-54,highest,1,0,Airtel Money,0,0.0,none,2,8,moderate_burden
Malawi,2024,rural,male,25,15-24,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2023,rural,female,73,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2022,rural,male,20,15-24,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2024,urban,female,48,45-54,lowest,1,1,Airtel Money,10,38.89,"airtime_purchase,merchant_payment,savings",5,16,moderate_burden
Uganda,2022,rural,male,59,55+,middle,1,0,MTN Mobile Money,0,0.0,none,3,5,moderate_burden
Rwanda,2019,urban,male,62,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,6,6,moderate_burden
Ghana,2025,rural,female,44,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2024,rural,male,57,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2024,rural,male,44,35-44,second,1,0,MTN Mobile Money,0,0.0,none,3,3,moderate_burden
Ghana,2023,rural,male,29,25-34,second,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2023,rural,male,38,35-44,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2025,urban,female,63,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2019,rural,male,69,55+,fourth,1,1,M-Pesa,4,78.23,"loan_repayment,savings",6,3,moderate_burden
Ghana,2019,rural,female,54,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2024,urban,male,41,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2022,rural,female,28,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,2,4,moderate_burden
Mali,2023,urban,male,36,35-44,highest,1,0,Moov Money,0,0.0,none,8,1,moderate_burden
DRC,2021,urban,male,67,55+,highest,1,1,M-Pesa,13,90.8,"cash_withdrawal,airtime_purchase,international_remittance",4,10,moderate_burden
Ethiopia,2024,rural,male,30,25-34,second,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2021,urban,male,57,55+,fourth,1,1,Airtel Money,16,178.95,"loan_repayment,person_to_person",3,7,moderate_burden
DRC,2024,urban,male,21,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2025,urban,female,74,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2022,rural,female,71,55+,middle,1,1,OPay,10,54.09,"international_remittance,merchant_payment,cash_deposit",3,13,moderate_burden
Malawi,2019,urban,male,59,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2024,urban,female,15,15-24,second,1,1,Airtel Money,11,103.75,"person_to_person,airtime_purchase",10,9,moderate_burden
Mozambique,2025,urban,male,37,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2021,rural,female,15,15-24,middle,1,1,TNM Mpamba,6,121.03,"merchant_payment,international_remittance,bill_payment,airtime_purchase",4,9,moderate_burden
Nigeria,2019,rural,female,24,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2020,rural,male,21,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2019,rural,female,54,45-54,second,1,1,Airtel Money,7,120.64,"merchant_payment,airtime_purchase",10,6,moderate_burden
South Africa,2023,rural,female,30,25-34,second,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2022,urban,male,27,25-34,middle,1,1,Airtel Money,14,62.04,"merchant_payment,loan_repayment,cash_withdrawal,airtime_purchase,person_to_person",10,5,moderate_burden
Zambia,2022,rural,female,59,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2021,urban,female,24,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2021,rural,female,29,25-34,highest,1,1,Orange Money,12,35.21,"airtime_purchase,cash_deposit",10,11,moderate_burden
Mozambique,2024,urban,male,22,15-24,highest,1,1,M-Pesa,9,354.73,"merchant_payment,cash_withdrawal,bill_payment,savings,cash_deposit",8,2,moderate_burden
Mozambique,2019,rural,female,29,25-34,middle,1,1,M-Pesa,8,57.83,"loan_repayment,airtime_purchase",6,6,moderate_burden
Tanzania,2022,rural,female,61,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2024,urban,female,45,35-44,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2025,rural,male,28,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2022,urban,female,46,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2021,urban,female,49,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2021,rural,male,34,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2024,rural,male,39,35-44,highest,1,0,Zamtel Kwacha,0,0.0,none,2,11,moderate_burden
Tanzania,2019,rural,male,63,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2024,rural,male,74,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2023,rural,male,23,15-24,highest,1,0,Airtel Money,0,0.0,none,8,2,moderate_burden
Nigeria,2021,urban,female,45,35-44,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2022,rural,female,34,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2024,urban,female,31,25-34,second,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2018,urban,male,64,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2023,rural,male,60,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2019,rural,male,45,35-44,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2018,urban,male,15,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2022,rural,female,26,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,9,1,moderate_burden
Malawi,2022,urban,male,32,25-34,middle,1,1,Airtel Money,11,110.64,"cash_deposit,airtime_purchase",10,14,moderate_burden
DRC,2023,rural,female,67,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2018,urban,female,43,35-44,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2020,rural,female,50,45-54,lowest,1,0,M-Pesa,0,0.0,none,10,7,moderate_burden
Kenya,2018,urban,male,34,25-34,lowest,1,0,M-Pesa,0,0.0,none,7,7,moderate_burden
Uganda,2024,urban,female,23,15-24,middle,1,1,MTN Mobile Money,10,42.32,"loan_repayment,savings,international_remittance,bill_payment",4,3,moderate_burden
Nigeria,2020,rural,female,53,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2023,urban,male,26,25-34,lowest,1,1,MTN Mobile Money,12,87.12,"cash_withdrawal,savings,international_remittance",10,2,moderate_burden
Ethiopia,2019,rural,male,36,35-44,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2020,rural,male,52,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2022,rural,female,24,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2019,rural,female,59,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2025,urban,male,71,55+,fourth,1,1,M-Birr,14,61.96,"international_remittance,cash_deposit,bill_payment",10,15,moderate_burden
Tanzania,2024,rural,female,15,15-24,fourth,1,0,Airtel Money,0,0.0,none,4,8,moderate_burden
Uganda,2019,urban,male,42,35-44,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2023,rural,male,29,25-34,lowest,1,0,Airtel Money,0,0.0,none,6,4,moderate_burden
Senegal,2022,rural,male,28,25-34,highest,1,1,Orange Money,11,90.83,"cash_deposit,cash_withdrawal",6,7,moderate_burden
Uganda,2021,rural,female,69,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2021,urban,female,59,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2022,urban,female,58,55+,second,1,0,Airtel Money,0,0.0,none,5,6,moderate_burden
South Africa,2018,rural,female,65,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2023,rural,female,29,25-34,lowest,1,1,Airtel Money,9,75.51,"merchant_payment,airtime_purchase,loan_repayment,savings,bill_payment",4,8,moderate_burden
Malawi,2023,urban,male,18,15-24,highest,1,1,TNM Mpamba,3,79.0,"merchant_payment,savings,bill_payment,person_to_person,cash_deposit",9,2,moderate_burden
Zambia,2022,rural,female,47,45-54,second,1,1,Airtel Money,11,138.65,"bill_payment,airtime_purchase,merchant_payment,loan_repayment,savings",10,1,moderate_burden
Niger,2022,rural,male,35,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2021,urban,female,20,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2023,rural,female,30,25-34,second,1,1,Airtel Money,8,90.24,"person_to_person,savings,merchant_payment,bill_payment,loan_repayment",10,4,moderate_burden
Ghana,2020,urban,male,27,25-34,second,1,0,Vodafone Cash,0,0.0,none,3,2,moderate_burden
Mali,2020,urban,male,66,55+,second,1,0,Orange Money,0,0.0,none,5,8,moderate_burden
South Africa,2023,urban,male,74,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2020,rural,female,28,25-34,middle,1,0,M-Pesa,0,0.0,none,6,9,moderate_burden
Kenya,2025,rural,female,25,15-24,lowest,1,0,Airtel Money,0,0.0,none,6,9,moderate_burden
DRC,2021,rural,male,47,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2024,rural,female,41,35-44,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2021,urban,male,62,55+,middle,1,1,M-Pesa,12,213.24,"merchant_payment,cash_withdrawal,cash_deposit,loan_repayment,bill_payment",5,3,moderate_burden
Senegal,2019,urban,female,25,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2023,rural,male,20,15-24,highest,1,0,M-Pesa,0,0.0,none,4,4,moderate_burden
South Africa,2024,rural,male,68,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2022,rural,male,16,15-24,fourth,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Niger,2025,rural,male,67,55+,middle,1,0,Moov Money,0,0.0,none,6,13,moderate_burden
Kenya,2020,rural,male,25,15-24,highest,1,0,Airtel Money,0,0.0,none,6,8,moderate_burden
Ethiopia,2023,rural,male,66,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2023,rural,female,54,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2023,rural,male,28,25-34,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2021,urban,female,41,35-44,fourth,1,1,Moov Money,15,28.38,"bill_payment,airtime_purchase",5,12,moderate_burden
Mali,2018,urban,female,43,35-44,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2018,rural,male,44,35-44,fourth,1,0,Airtel Money,0,0.0,none,3,5,moderate_burden
Zambia,2021,rural,male,58,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2022,rural,male,57,55+,second,1,0,Wave,0,0.0,none,1,11,moderate_burden
Ghana,2022,rural,male,74,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2022,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2019,rural,female,50,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2022,rural,male,71,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2018,urban,male,53,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2019,urban,male,30,25-34,fourth,1,1,FNB eWallet,8,27.26,"airtime_purchase,person_to_person,merchant_payment",7,9,moderate_burden
Zambia,2025,rural,female,73,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2018,rural,female,67,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2019,urban,male,33,25-34,highest,1,0,Airtel Money,0,0.0,none,10,5,moderate_burden
Uganda,2018,urban,male,42,35-44,fourth,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Kenya,2019,urban,female,36,35-44,second,1,1,M-Pesa,12,90.06,"person_to_person,cash_withdrawal,loan_repayment",10,11,moderate_burden
Malawi,2020,urban,male,74,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2019,urban,female,37,35-44,highest,1,0,Moov Money,0,0.0,none,10,4,moderate_burden
Kenya,2025,rural,male,22,15-24,middle,1,0,M-Pesa,0,0.0,none,4,17,moderate_burden
Senegal,2024,rural,female,17,15-24,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2024,rural,female,32,25-34,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2018,urban,male,63,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2019,rural,female,67,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2021,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2024,rural,female,60,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Niger,2021,urban,male,74,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2019,urban,male,26,25-34,highest,1,0,M-Pesa,0,0.0,none,8,6,moderate_burden
South Africa,2025,rural,female,33,25-34,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2019,rural,male,61,55+,fourth,1,0,Airtel Money,0,0.0,none,5,9,moderate_burden
Nigeria,2018,rural,female,39,35-44,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2019,urban,male,24,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2020,urban,male,27,25-34,lowest,1,1,M-Pesa,8,98.09,"savings,cash_withdrawal,bill_payment,cash_deposit",9,9,moderate_burden
DRC,2021,urban,male,56,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2024,rural,female,53,45-54,middle,1,0,Airtel Money,0,0.0,none,10,6,moderate_burden
South Africa,2021,rural,male,70,55+,highest,1,1,Vodapay,11,19.74,"cash_withdrawal,international_remittance",7,1,moderate_burden
Uganda,2024,rural,female,58,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,8,12,moderate_burden
Nigeria,2018,rural,female,58,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2020,rural,female,21,15-24,middle,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2023,urban,female,66,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2020,rural,male,57,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2019,urban,male,64,55+,fourth,1,0,Orange Money,0,0.0,none,5,10,moderate_burden
Mozambique,2024,urban,female,62,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2019,rural,female,57,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2018,rural,female,71,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2020,rural,female,60,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2019,urban,female,36,35-44,highest,1,1,M-Pesa,12,58.47,"loan_repayment,international_remittance,savings",9,2,moderate_burden
Nigeria,2020,rural,male,50,45-54,highest,1,0,Paga,0,0.0,none,8,3,moderate_burden
South Africa,2025,rural,female,48,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2025,rural,female,33,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2024,rural,female,17,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2019,rural,female,58,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,1,6,moderate_burden
Ghana,2020,urban,male,74,55+,highest,1,1,AirtelTigo Money,17,127.61,"person_to_person,international_remittance,airtime_purchase,savings",9,12,moderate_burden
Mozambique,2020,urban,female,36,35-44,fourth,1,0,e-Mola,0,0.0,none,8,12,moderate_burden
Mozambique,2018,rural,male,22,15-24,fourth,1,1,e-Mola,10,61.08,"cash_deposit,loan_repayment,savings",2,2,moderate_burden
Mozambique,2018,urban,female,25,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2025,urban,male,52,45-54,lowest,1,1,MTN Mobile Money,12,195.88,"international_remittance,airtime_purchase,merchant_payment",5,10,moderate_burden
DRC,2025,rural,female,15,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2019,rural,male,67,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2019,urban,male,20,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2021,rural,female,70,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2023,rural,male,58,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2024,rural,male,62,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2023,urban,male,25,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2020,rural,male,37,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,2,2,moderate_burden
Niger,2018,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2019,urban,male,42,35-44,fourth,1,1,Airtel Money,9,172.27,"loan_repayment,bill_payment,cash_deposit,cash_withdrawal",8,1,moderate_burden
South Africa,2023,urban,male,53,45-54,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2023,rural,male,18,15-24,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2022,rural,male,49,45-54,highest,1,1,Airtel Money,4,128.71,"loan_repayment,cash_deposit,cash_withdrawal",4,13,moderate_burden
Ethiopia,2020,rural,male,62,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2023,urban,male,67,55+,middle,1,1,Moov Money,11,99.67,"cash_deposit,cash_withdrawal,bill_payment,airtime_purchase",6,2,moderate_burden
DRC,2023,rural,female,18,15-24,highest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2023,rural,male,42,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2018,rural,male,29,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2021,urban,male,34,25-34,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2023,rural,female,29,25-34,highest,1,0,AirtelTigo Money,0,0.0,none,2,6,moderate_burden
Mali,2024,rural,female,16,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2020,rural,male,67,55+,second,1,1,MTN Mobile Money,7,90.5,"cash_withdrawal,airtime_purchase",7,5,moderate_burden
Mali,2018,urban,female,73,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2019,urban,female,38,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,9,1,moderate_burden
Mali,2024,rural,female,49,45-54,second,1,1,Moov Money,5,111.12,"airtime_purchase,cash_withdrawal,bill_payment,loan_repayment",7,4,moderate_burden
Mali,2018,urban,male,71,55+,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2023,urban,female,31,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2019,rural,female,74,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2022,rural,female,25,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2023,rural,male,46,45-54,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2019,rural,female,23,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Kenya,2020,rural,male,31,25-34,fourth,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Mali,2022,rural,male,62,55+,second,1,0,Orange Money,0,0.0,none,7,8,moderate_burden
Nigeria,2019,urban,male,62,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2019,rural,female,45,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2019,urban,female,35,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2024,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Nigeria,2020,rural,male,25,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2022,rural,male,20,15-24,fourth,1,0,Tigo Pesa,0,0.0,none,4,5,moderate_burden
Mali,2023,urban,male,58,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2023,rural,female,41,35-44,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2019,rural,female,46,45-54,second,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2025,rural,female,58,55+,highest,1,1,Airtel Money,8,43.59,"bill_payment,international_remittance,airtime_purchase,merchant_payment,person_to_person",2,1,moderate_burden
Nigeria,2018,urban,male,44,35-44,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2025,rural,male,47,45-54,second,1,0,Wari,0,0.0,none,9,11,moderate_burden
Niger,2025,rural,female,72,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2023,urban,female,49,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2023,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2024,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2020,urban,male,21,15-24,highest,1,0,Airtel Money,0,0.0,none,9,3,moderate_burden
Tanzania,2021,rural,female,48,45-54,second,1,0,Airtel Money,0,0.0,none,2,5,moderate_burden
Niger,2021,urban,female,62,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2022,rural,male,23,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2019,urban,female,74,55+,middle,1,0,Airtel Money,0,0.0,none,4,6,moderate_burden
Malawi,2025,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Ghana,2022,urban,female,61,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2018,rural,male,72,55+,highest,1,0,Airtel Money,0,0.0,none,9,5,moderate_burden
Rwanda,2024,rural,female,39,35-44,highest,1,0,Airtel Money,0,0.0,none,10,10,moderate_burden
DRC,2020,rural,male,62,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Rwanda,2025,rural,female,58,55+,fourth,1,0,Airtel Money,0,0.0,none,4,5,moderate_burden
Senegal,2021,urban,female,29,25-34,highest,1,1,Wave,6,214.1,"cash_withdrawal,airtime_purchase,cash_deposit,merchant_payment",5,13,moderate_burden
Rwanda,2023,rural,male,25,15-24,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2019,rural,male,70,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2024,urban,male,68,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2019,urban,female,17,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2024,rural,female,18,15-24,fourth,1,1,M-Pesa,12,24.62,"merchant_payment,savings,cash_withdrawal",10,11,moderate_burden
Ethiopia,2023,rural,female,27,25-34,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2022,rural,female,61,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2025,rural,female,72,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2019,rural,female,50,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2022,urban,female,74,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2020,urban,female,64,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2020,urban,female,58,55+,fourth,1,0,Airtel Money,0,0.0,none,6,3,moderate_burden
Ethiopia,2024,rural,female,47,45-54,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2018,rural,male,27,25-34,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2022,rural,female,27,25-34,lowest,1,1,M-Pesa,8,132.94,"savings,cash_deposit",3,5,moderate_burden
Rwanda,2025,urban,female,61,55+,second,1,1,MTN Mobile Money,10,77.25,"airtime_purchase,international_remittance,savings,bill_payment",2,8,moderate_burden
Ghana,2018,urban,male,63,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2025,rural,male,70,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2023,urban,male,18,15-24,fourth,1,0,TNM Mpamba,0,0.0,none,3,7,moderate_burden
DRC,2018,rural,female,54,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2025,urban,male,56,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,10,12,moderate_burden
Senegal,2021,urban,male,43,35-44,middle,1,1,Orange Money,13,97.68,"bill_payment,cash_deposit,merchant_payment,person_to_person,airtime_purchase",2,3,moderate_burden
Tanzania,2023,urban,female,24,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2025,rural,male,53,45-54,middle,1,1,MTN Mobile Money,7,43.72,"airtime_purchase,person_to_person",3,7,moderate_burden
Kenya,2025,urban,female,61,55+,highest,1,0,Airtel Money,0,0.0,none,3,10,moderate_burden
Senegal,2025,urban,male,38,35-44,fourth,1,1,Orange Money,14,79.68,"cash_deposit,cash_withdrawal",4,17,moderate_burden
Niger,2022,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2024,urban,female,54,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2021,urban,female,59,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2018,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2020,rural,female,39,35-44,highest,1,1,Orange Money,5,21.7,"cash_withdrawal,person_to_person,airtime_purchase,loan_repayment",9,4,moderate_burden
Mozambique,2022,rural,male,69,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2018,rural,female,36,35-44,highest,1,1,Airtel Money,11,83.87,"loan_repayment,bill_payment,savings",3,5,moderate_burden
Ghana,2023,urban,female,57,55+,lowest,1,1,Vodafone Cash,8,45.7,"airtime_purchase,person_to_person,savings,loan_repayment,international_remittance",10,13,moderate_burden
South Africa,2024,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2019,urban,male,23,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2024,urban,female,21,15-24,fourth,1,1,MTN Mobile Money,19,100.28,"savings,loan_repayment,airtime_purchase",4,11,moderate_burden
Nigeria,2018,rural,male,24,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2018,rural,male,32,25-34,middle,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2023,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2022,urban,male,62,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2018,rural,female,40,35-44,lowest,1,0,TNM Mpamba,0,0.0,none,1,10,moderate_burden
Mali,2022,urban,male,66,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2021,urban,female,33,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,10,10,moderate_burden
Zambia,2025,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2023,rural,male,65,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2023,rural,female,65,55+,middle,1,1,M-Pesa,4,100.39,"savings,bill_payment,loan_repayment",4,5,moderate_burden
South Africa,2025,urban,male,40,35-44,highest,1,0,FNB eWallet,0,0.0,none,10,5,moderate_burden
Tanzania,2018,urban,male,59,55+,lowest,1,0,Tigo Pesa,0,0.0,none,10,6,moderate_burden
Zambia,2023,rural,male,29,25-34,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2022,rural,male,16,15-24,highest,1,1,Vodafone Cash,13,119.87,"person_to_person,cash_deposit,international_remittance,merchant_payment",2,3,moderate_burden
Rwanda,2020,urban,male,58,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2025,rural,female,57,55+,second,1,0,M-Pesa,0,0.0,none,2,8,moderate_burden
South Africa,2022,urban,female,69,55+,highest,1,1,Vodapay,11,131.87,"cash_withdrawal,savings,person_to_person,loan_repayment",4,6,moderate_burden
Ghana,2021,rural,female,57,55+,fourth,1,0,AirtelTigo Money,0,0.0,none,2,13,moderate_burden
Mali,2021,rural,male,33,25-34,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2022,rural,male,26,25-34,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2018,rural,female,48,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2022,rural,male,40,35-44,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2025,rural,male,59,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
DRC,2023,urban,male,51,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2023,rural,female,59,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2019,rural,female,48,45-54,highest,1,0,M-Pesa,0,0.0,none,7,3,moderate_burden
Kenya,2019,rural,female,48,45-54,highest,1,1,M-Pesa,17,106.58,"savings,international_remittance,person_to_person,cash_withdrawal",7,7,moderate_burden
DRC,2022,urban,female,74,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2019,urban,female,35,25-34,second,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2020,urban,female,24,15-24,fourth,1,1,Airtel Money,11,255.63,"merchant_payment,cash_withdrawal,airtime_purchase",6,5,moderate_burden
Zambia,2022,urban,female,36,35-44,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2023,rural,female,61,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2019,rural,male,27,25-34,second,1,0,M-Pesa,0,0.0,none,8,2,moderate_burden
Mali,2022,urban,male,25,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2025,urban,female,58,55+,highest,1,0,FNB eWallet,0,0.0,none,10,14,moderate_burden
Rwanda,2023,rural,female,45,35-44,lowest,1,0,Airtel Money,0,0.0,none,6,3,moderate_burden
Malawi,2018,urban,male,40,35-44,second,1,0,Airtel Money,0,0.0,none,2,9,moderate_burden
Zambia,2020,rural,female,60,55+,highest,1,0,MTN Mobile Money,0,0.0,none,10,12,moderate_burden
Rwanda,2025,rural,female,52,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2024,rural,female,16,15-24,middle,1,0,Vodapay,0,0.0,none,2,1,moderate_burden
South Africa,2025,rural,female,28,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2020,rural,female,53,45-54,second,1,0,Airtel Money,0,0.0,none,5,12,moderate_burden
Senegal,2024,rural,male,58,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2024,rural,female,26,25-34,second,1,0,Orange Money,0,0.0,none,6,9,moderate_burden
Mozambique,2018,urban,male,52,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2019,urban,female,58,55+,fourth,1,0,Wave,0,0.0,none,8,8,moderate_burden
Mozambique,2018,rural,male,30,25-34,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2020,rural,female,25,15-24,second,1,0,e-Mola,0,0.0,none,10,4,moderate_burden
Malawi,2021,rural,female,34,25-34,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2025,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2023,urban,female,63,55+,fourth,1,0,Orange Money,0,0.0,none,10,11,moderate_burden
Rwanda,2018,rural,male,51,45-54,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2019,urban,male,21,15-24,fourth,1,0,Tigo Pesa,0,0.0,none,5,6,moderate_burden
Nigeria,2018,rural,male,62,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2024,urban,female,49,45-54,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2020,rural,male,37,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2022,rural,female,54,45-54,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2018,rural,male,56,55+,second,1,0,Airtel Money,0,0.0,none,10,8,moderate_burden
Mozambique,2023,rural,female,60,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2021,rural,female,30,25-34,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2024,rural,male,65,55+,middle,1,0,Airtel Money,0,0.0,none,9,1,moderate_burden
Nigeria,2018,urban,female,48,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2024,urban,female,70,55+,highest,1,0,FNB eWallet,0,0.0,none,5,11,moderate_burden
Zambia,2024,urban,female,21,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2024,urban,male,43,35-44,fourth,1,1,MTN Mobile Money,10,119.17,"savings,international_remittance,cash_withdrawal",7,6,moderate_burden
Mozambique,2025,rural,female,32,25-34,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2019,rural,male,35,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2018,urban,male,55,45-54,second,1,0,Airtel Money,0,0.0,none,10,3,moderate_burden
Mali,2023,rural,female,58,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2022,rural,male,23,15-24,middle,1,0,Airtel Money,0,0.0,none,10,8,moderate_burden
Senegal,2025,urban,female,41,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2021,rural,male,21,15-24,middle,1,1,Wave,5,85.77,"merchant_payment,cash_deposit,loan_repayment,bill_payment",8,12,moderate_burden
Kenya,2018,rural,female,55,45-54,lowest,1,0,Airtel Money,0,0.0,none,9,4,moderate_burden
Zambia,2020,rural,female,61,55+,lowest,1,1,Zamtel Kwacha,10,25.59,"bill_payment,international_remittance,person_to_person",6,9,moderate_burden
Mozambique,2018,urban,male,49,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2024,urban,male,24,15-24,lowest,1,1,Orange Money,5,169.93,"person_to_person,airtime_purchase,merchant_payment,cash_deposit,loan_repayment",10,10,moderate_burden
Rwanda,2023,urban,female,60,55+,middle,1,1,Airtel Money,6,114.04,"person_to_person,airtime_purchase,cash_withdrawal",10,10,moderate_burden
Tanzania,2024,rural,female,35,25-34,middle,1,0,Airtel Money,0,0.0,none,4,8,moderate_burden
Zambia,2024,urban,female,19,15-24,lowest,1,1,MTN Mobile Money,14,80.08,"airtime_purchase,merchant_payment,cash_withdrawal,person_to_person,cash_deposit",10,13,moderate_burden
Uganda,2024,rural,female,37,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,6,12,moderate_burden
Rwanda,2019,urban,female,53,45-54,middle,1,1,MTN Mobile Money,8,86.24,"bill_payment,cash_withdrawal,loan_repayment",3,3,moderate_burden
Zambia,2025,rural,female,29,25-34,second,1,0,MTN Mobile Money,0,0.0,none,8,7,moderate_burden
Uganda,2025,rural,female,61,55+,second,1,0,Airtel Money,0,0.0,none,4,3,moderate_burden
Mozambique,2023,rural,male,49,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2025,rural,male,34,25-34,second,1,0,M-Pesa,0,0.0,none,7,7,moderate_burden
South Africa,2020,urban,female,59,55+,fourth,1,1,Vodapay,10,115.53,"loan_repayment,airtime_purchase,cash_withdrawal",3,9,moderate_burden
Nigeria,2019,urban,male,58,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2020,rural,male,37,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2020,rural,female,44,35-44,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2023,rural,male,53,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2020,rural,female,69,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2023,urban,female,18,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2021,rural,male,38,35-44,middle,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
DRC,2019,urban,female,57,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2020,urban,male,29,25-34,middle,1,0,Airtel Money,0,0.0,none,9,5,moderate_burden
Tanzania,2023,rural,female,43,35-44,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2024,rural,female,41,35-44,highest,1,1,MTN Mobile Money,9,71.6,"international_remittance,savings",4,3,moderate_burden
Kenya,2019,rural,female,65,55+,second,1,1,M-Pesa,3,109.88,"loan_repayment,person_to_person,cash_withdrawal,airtime_purchase,cash_deposit",5,1,moderate_burden
South Africa,2023,rural,female,50,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2022,rural,male,32,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2018,rural,female,53,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2024,rural,female,66,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Senegal,2024,rural,female,22,15-24,lowest,1,1,Wave,7,84.4,"merchant_payment,bill_payment,cash_withdrawal,person_to_person,international_remittance",5,6,moderate_burden
Uganda,2023,urban,male,23,15-24,second,1,1,Airtel Money,15,96.74,"savings,person_to_person,cash_withdrawal,airtime_purchase,loan_repayment",10,15,moderate_burden
Nigeria,2020,urban,female,32,25-34,fourth,1,1, PalmPay,16,112.48,"person_to_person,loan_repayment,cash_deposit,bill_payment,merchant_payment",3,7,moderate_burden
Tanzania,2023,rural,male,57,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2022,rural,female,62,55+,lowest,1,1,MTN Mobile Money,4,104.71,"cash_deposit,loan_repayment,bill_payment,savings",3,3,moderate_burden
Ethiopia,2024,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Zambia,2024,urban,male,52,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2022,urban,female,38,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2024,rural,female,35,25-34,middle,1,0,Moov Money,0,0.0,none,9,9,moderate_burden
Mali,2018,rural,female,33,25-34,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2020,urban,male,69,55+,second,1,0,M-Pesa,0,0.0,none,3,10,moderate_burden
Ethiopia,2022,rural,male,70,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2019,rural,female,19,15-24,highest,1,1,MTN Mobile Money,4,43.08,"international_remittance,loan_repayment,savings,person_to_person",2,8,moderate_burden
Senegal,2021,rural,female,60,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2022,urban,female,21,15-24,fourth,1,1,Airtel Money,11,325.41,"merchant_payment,cash_deposit",3,8,moderate_burden
DRC,2018,rural,male,69,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2018,urban,female,29,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,10,3,moderate_burden
Mali,2025,urban,male,30,25-34,second,1,1,Moov Money,19,141.24,"savings,merchant_payment,cash_withdrawal",10,16,moderate_burden
Malawi,2021,urban,female,36,35-44,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2018,urban,female,45,35-44,second,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2019,rural,female,22,15-24,middle,1,1,MTN Mobile Money,2,152.54,"airtime_purchase,merchant_payment,loan_repayment,cash_deposit,international_remittance",7,9,moderate_burden
Mozambique,2021,urban,female,23,15-24,highest,1,1,e-Mola,12,169.82,"cash_deposit,merchant_payment",10,12,moderate_burden
Ethiopia,2018,rural,male,35,25-34,second,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2020,rural,male,41,35-44,middle,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2022,urban,male,46,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,7,13,moderate_burden
South Africa,2020,urban,female,51,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2023,rural,female,68,55+,fourth,1,0,Wave,0,0.0,none,2,8,moderate_burden
Uganda,2019,rural,male,24,15-24,lowest,1,1,Airtel Money,8,57.07,"savings,person_to_person,cash_deposit",6,7,moderate_burden
Rwanda,2025,rural,male,42,35-44,highest,1,0,MTN Mobile Money,0,0.0,none,3,1,moderate_burden
South Africa,2022,rural,female,39,35-44,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2022,urban,male,42,35-44,highest,1,1,M-Birr,18,100.32,"international_remittance,cash_deposit",5,8,moderate_burden
Rwanda,2021,urban,female,23,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2018,rural,male,40,35-44,highest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2021,urban,female,61,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2025,rural,male,32,25-34,middle,1,0,Vodafone Cash,0,0.0,none,7,17,moderate_burden
Zambia,2024,urban,female,20,15-24,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2024,rural,female,72,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2019,rural,female,63,55+,second,1,1,MTN Mobile Money,11,39.24,"savings,merchant_payment,loan_repayment,bill_payment,cash_withdrawal",7,7,moderate_burden
Uganda,2024,urban,female,20,15-24,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2019,urban,female,17,15-24,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2021,urban,female,63,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2023,urban,male,51,45-54,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2019,rural,male,21,15-24,second,1,1,TNM Mpamba,12,294.81,"cash_withdrawal,savings",6,9,moderate_burden
South Africa,2023,rural,female,69,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2018,urban,female,74,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2022,rural,female,60,55+,second,1,1,M-Birr,11,52.58,"savings,merchant_payment,cash_deposit,person_to_person",1,1,moderate_burden
Zambia,2024,rural,male,58,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2021,rural,male,35,25-34,fourth,1,0,Orange Money,0,0.0,none,10,4,moderate_burden
Nigeria,2020,rural,female,18,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2023,rural,male,55,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2023,urban,male,25,15-24,second,1,1,M-Pesa,14,67.68,"bill_payment,cash_withdrawal",3,7,moderate_burden
South Africa,2021,urban,female,48,45-54,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2025,rural,female,37,35-44,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2020,urban,male,48,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2022,urban,male,49,45-54,highest,1,0,M-Pesa,0,0.0,none,8,11,moderate_burden
Rwanda,2025,rural,male,29,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,7,9,moderate_burden
Ethiopia,2019,urban,male,19,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2021,urban,male,15,15-24,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2024,rural,male,36,35-44,highest,1,1,Airtel Money,7,55.7,"loan_repayment,savings,cash_deposit,merchant_payment,international_remittance",4,16,moderate_burden
Kenya,2019,rural,male,51,45-54,second,1,1,Airtel Money,7,53.86,"bill_payment,loan_repayment,savings,person_to_person,international_remittance",8,10,moderate_burden
Niger,2020,rural,male,44,35-44,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2024,rural,male,49,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2025,rural,male,52,45-54,middle,1,0,M-Pesa,0,0.0,none,9,4,moderate_burden
Rwanda,2020,urban,female,69,55+,second,1,1,MTN Mobile Money,7,62.73,"person_to_person,cash_deposit,savings,merchant_payment,airtime_purchase",2,9,moderate_burden
Malawi,2019,urban,male,32,25-34,highest,1,1,Airtel Money,18,77.75,"merchant_payment,person_to_person,bill_payment,cash_deposit",10,11,moderate_burden
Uganda,2025,rural,female,16,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2021,rural,female,59,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,9,7,moderate_burden
Ghana,2020,urban,female,19,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2019,rural,male,36,35-44,lowest,1,1,MTN Mobile Money,6,76.17,"person_to_person,loan_repayment,bill_payment,merchant_payment",10,4,moderate_burden
Senegal,2024,rural,female,41,35-44,second,1,1,Wave,8,40.23,"international_remittance,cash_deposit,savings,cash_withdrawal",6,6,moderate_burden
Tanzania,2022,urban,male,74,55+,second,1,1,Tigo Pesa,7,106.76,"international_remittance,cash_withdrawal,merchant_payment,loan_repayment",5,13,moderate_burden
Niger,2024,urban,female,19,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2024,urban,male,29,25-34,second,1,0, PalmPay,0,0.0,none,4,15,moderate_burden
Malawi,2020,rural,male,42,35-44,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2023,rural,female,45,35-44,fourth,1,1,e-Mola,9,203.65,"international_remittance,savings",9,8,moderate_burden
Ethiopia,2023,urban,female,49,45-54,fourth,1,1,telebirr,8,106.63,"savings,cash_withdrawal",7,15,moderate_burden
Mali,2021,rural,female,58,55+,lowest,1,0,Moov Money,0,0.0,none,10,3,moderate_burden
Niger,2022,urban,female,42,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2023,rural,female,60,55+,fourth,1,0,M-Pesa,0,0.0,none,5,4,moderate_burden
Ghana,2022,rural,female,72,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2024,rural,male,25,15-24,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2018,urban,male,52,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2019,rural,female,41,35-44,highest,1,1,MTN Mobile Money,9,53.6,"person_to_person,international_remittance",10,11,moderate_burden
Ghana,2021,urban,male,43,35-44,highest,1,1,MTN Mobile Money,13,70.54,"person_to_person,loan_repayment",9,6,moderate_burden
Mozambique,2024,urban,male,17,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2025,urban,male,29,25-34,second,1,0,Airtel Money,0,0.0,none,10,3,moderate_burden
DRC,2019,urban,female,27,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2018,urban,male,17,15-24,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2025,rural,female,16,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2020,urban,male,17,15-24,second,1,0,Airtel Money,0,0.0,none,6,5,moderate_burden
Malawi,2023,urban,male,55,45-54,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2024,urban,female,21,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,6,15,moderate_burden
Malawi,2018,rural,male,61,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2023,rural,male,47,45-54,lowest,1,1,Airtel Money,2,91.82,"international_remittance,airtime_purchase,savings,bill_payment,loan_repayment",7,14,moderate_burden
South Africa,2021,rural,female,59,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2022,rural,female,68,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2022,urban,male,49,45-54,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2019,rural,male,33,25-34,fourth,1,1,Vodafone Cash,7,177.31,"cash_deposit,savings,merchant_payment,airtime_purchase",4,1,moderate_burden
Zambia,2025,rural,female,20,15-24,middle,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2025,urban,male,70,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2019,rural,female,27,25-34,lowest,1,0,M-Pesa,0,0.0,none,3,5,moderate_burden
Niger,2024,rural,female,56,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2018,rural,male,18,15-24,lowest,1,0,Airtel Money,0,0.0,none,4,7,moderate_burden
Ghana,2021,rural,male,34,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2025,rural,male,38,35-44,highest,1,0,M-Pesa,0,0.0,none,6,7,moderate_burden
Ethiopia,2019,rural,male,70,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2019,urban,female,26,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,7,3,moderate_burden
Uganda,2024,rural,male,26,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,9,8,moderate_burden
Niger,2021,rural,female,59,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2023,rural,female,15,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2019,urban,male,62,55+,highest,1,1,Airtel Money,13,160.05,"cash_deposit,person_to_person,international_remittance,bill_payment,cash_withdrawal",2,8,moderate_burden
Uganda,2024,urban,male,69,55+,fourth,1,0,Airtel Money,0,0.0,none,3,3,moderate_burden
Rwanda,2024,urban,male,17,15-24,highest,1,0,Airtel Money,0,0.0,none,8,10,moderate_burden
Ghana,2024,urban,female,68,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2024,urban,female,36,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2023,rural,male,50,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,5,6,moderate_burden
Uganda,2022,urban,male,48,45-54,highest,1,1,MTN Mobile Money,14,59.15,"merchant_payment,person_to_person,bill_payment,international_remittance,cash_withdrawal",10,3,moderate_burden
Kenya,2025,rural,female,52,45-54,lowest,1,0,Airtel Money,0,0.0,none,6,17,moderate_burden
Malawi,2020,urban,male,57,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2022,rural,female,55,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2019,rural,female,30,25-34,middle,1,0,Airtel Money,0,0.0,none,9,10,moderate_burden
Mali,2018,urban,male,27,25-34,second,1,0,Moov Money,0,0.0,none,6,6,moderate_burden
Nigeria,2024,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2022,urban,female,50,45-54,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2019,rural,male,15,15-24,second,1,0,Airtel Money,0,0.0,none,8,7,moderate_burden
Uganda,2019,rural,male,28,25-34,middle,1,1,MTN Mobile Money,7,41.14,"cash_withdrawal,merchant_payment,international_remittance,airtime_purchase",2,11,moderate_burden
Niger,2025,urban,male,15,15-24,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2022,rural,female,50,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2024,rural,female,22,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2025,rural,male,23,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2021,rural,female,53,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2019,urban,female,17,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2022,urban,female,37,35-44,second,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2021,urban,male,44,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2018,urban,female,18,15-24,middle,1,1,Airtel Money,7,199.91,"bill_payment,cash_deposit,loan_repayment,international_remittance,merchant_payment",7,7,moderate_burden
Kenya,2021,rural,female,55,45-54,middle,1,0,M-Pesa,0,0.0,none,6,6,moderate_burden
Mozambique,2023,rural,female,32,25-34,highest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2023,rural,female,54,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2023,urban,female,68,55+,middle,1,1,Airtel Money,15,277.88,"cash_withdrawal,bill_payment,loan_repayment",5,7,moderate_burden
Niger,2023,rural,female,58,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2022,rural,male,27,25-34,highest,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2025,urban,male,24,15-24,lowest,1,0,M-Pesa,0,0.0,none,6,9,moderate_burden
Senegal,2023,rural,female,42,35-44,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2025,urban,male,40,35-44,middle,1,0, PalmPay,0,0.0,none,8,9,moderate_burden
Kenya,2018,rural,female,61,55+,lowest,1,0,M-Pesa,0,0.0,none,1,4,moderate_burden
DRC,2019,rural,male,68,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2021,urban,male,49,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2025,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2019,rural,female,38,35-44,middle,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2024,rural,male,62,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
DRC,2020,rural,female,38,35-44,middle,1,1,Orange Money,4,135.28,"airtime_purchase,international_remittance",10,11,moderate_burden
Tanzania,2023,rural,male,24,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2019,urban,female,39,35-44,fourth,1,1,telebirr,8,205.92,"merchant_payment,savings,cash_withdrawal,loan_repayment",10,7,moderate_burden
Uganda,2024,rural,female,30,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2021,rural,female,52,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2025,urban,male,52,45-54,middle,1,1,telebirr,19,60.98,"loan_repayment,merchant_payment",10,12,moderate_burden
Ghana,2021,rural,male,62,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,6,10,moderate_burden
Tanzania,2019,urban,female,68,55+,lowest,1,0,Tigo Pesa,0,0.0,none,9,11,moderate_burden
Niger,2018,rural,male,32,25-34,second,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2020,rural,female,65,55+,fourth,1,0,Airtel Money,0,0.0,none,5,5,moderate_burden
Kenya,2023,rural,male,51,45-54,lowest,1,0,Airtel Money,0,0.0,none,3,12,moderate_burden
Malawi,2022,urban,female,25,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2023,urban,male,40,35-44,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2025,urban,female,44,35-44,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2025,rural,female,58,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2025,rural,male,50,45-54,highest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2023,rural,male,60,55+,highest,1,0,Orange Money,0,0.0,none,7,9,moderate_burden
Kenya,2022,rural,female,59,55+,second,1,0,M-Pesa,0,0.0,none,4,4,moderate_burden
Rwanda,2019,urban,female,40,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2023,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2018,urban,female,50,45-54,highest,1,0,Airtel Money,0,0.0,none,4,3,moderate_burden
Ethiopia,2021,rural,female,57,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2019,rural,male,70,55+,middle,1,0,MTN Mobile Money,0,0.0,none,4,11,moderate_burden
Zambia,2022,urban,male,17,15-24,highest,1,1,MTN Mobile Money,13,84.66,"loan_repayment,cash_deposit,person_to_person",9,14,moderate_burden
Malawi,2020,urban,male,52,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2019,rural,female,34,25-34,fourth,1,0,M-Pesa,0,0.0,none,9,9,moderate_burden
Uganda,2023,rural,male,23,15-24,middle,1,1,MTN Mobile Money,5,101.08,"cash_deposit,international_remittance,bill_payment,airtime_purchase",6,13,moderate_burden
Rwanda,2025,rural,male,64,55+,second,1,0,MTN Mobile Money,0,0.0,none,1,16,moderate_burden
Tanzania,2023,urban,male,67,55+,middle,1,0,Airtel Money,0,0.0,none,7,8,moderate_burden
Zambia,2023,urban,female,34,25-34,middle,1,0,Zamtel Kwacha,0,0.0,none,10,10,moderate_burden
Ethiopia,2025,rural,male,66,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2018,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2019,urban,female,39,35-44,lowest,1,0,telebirr,0,0.0,none,7,1,moderate_burden
Kenya,2023,rural,female,69,55+,second,1,0,Airtel Money,0,0.0,none,9,9,moderate_burden
Ghana,2019,rural,female,57,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2025,rural,female,41,35-44,fourth,1,1,TNM Mpamba,6,58.26,"cash_deposit,international_remittance,airtime_purchase,cash_withdrawal,bill_payment",3,9,moderate_burden
Niger,2018,urban,female,45,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2023,rural,female,67,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2020,rural,male,27,25-34,middle,1,0,Airtel Money,0,0.0,none,2,2,moderate_burden
DRC,2022,rural,female,18,15-24,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2022,rural,male,26,25-34,second,1,0,MTN Mobile Money,0,0.0,none,7,10,moderate_burden
South Africa,2025,rural,male,43,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2018,urban,female,62,55+,middle,1,0,e-Mola,0,0.0,none,4,9,moderate_burden
Senegal,2020,rural,female,56,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2024,rural,female,70,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2018,urban,male,18,15-24,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2024,rural,male,40,35-44,middle,1,0,Airtel Money,0,0.0,none,7,2,moderate_burden
DRC,2025,rural,female,55,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2025,rural,male,53,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2021,urban,female,66,55+,fourth,1,0,Airtel Money,0,0.0,none,6,2,moderate_burden
Niger,2023,urban,female,67,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2018,urban,female,67,55+,highest,1,0,Moov Money,0,0.0,none,6,3,moderate_burden
Ghana,2021,urban,female,36,35-44,highest,1,1,MTN Mobile Money,9,180.21,"savings,international_remittance",9,7,moderate_burden
Mozambique,2023,urban,female,58,55+,highest,1,1,M-Pesa,11,82.75,"airtime_purchase,savings,bill_payment",8,3,moderate_burden
Rwanda,2020,rural,male,24,15-24,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2022,rural,female,55,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2023,urban,female,54,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2023,urban,female,36,35-44,middle,1,1,Orange Money,13,54.21,"loan_repayment,cash_deposit,person_to_person,bill_payment,cash_withdrawal",8,15,moderate_burden
South Africa,2019,urban,male,27,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,9,10,moderate_burden
Ghana,2020,urban,male,37,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2019,rural,female,67,55+,middle,1,0,Airtel Money,0,0.0,none,10,1,moderate_burden
Mozambique,2025,urban,male,19,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2020,urban,female,67,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2023,urban,female,21,15-24,middle,1,1,Orange Money,13,59.96,"loan_repayment,cash_deposit,savings,bill_payment,international_remittance",9,15,moderate_burden
South Africa,2022,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2020,rural,male,73,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2018,urban,female,29,25-34,highest,1,1,TNM Mpamba,13,52.02,"cash_deposit,bill_payment",5,8,moderate_burden
Kenya,2021,rural,male,39,35-44,middle,1,1,M-Pesa,13,100.69,"person_to_person,savings",6,13,moderate_burden
South Africa,2019,rural,female,26,25-34,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2021,urban,male,22,15-24,fourth,1,0,Airtel Money,0,0.0,none,7,11,moderate_burden
Niger,2025,urban,male,65,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2020,rural,male,68,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2020,rural,male,36,35-44,second,1,1,M-Pesa,15,88.8,"bill_payment,person_to_person",8,3,moderate_burden
Mozambique,2020,rural,male,67,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2021,urban,male,42,35-44,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2024,urban,female,35,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,6,8,moderate_burden
Senegal,2021,urban,female,49,45-54,fourth,1,1,Orange Money,11,98.64,"airtime_purchase,merchant_payment,bill_payment,international_remittance",9,4,moderate_burden
Zambia,2019,urban,male,18,15-24,second,1,1,Airtel Money,8,150.26,"loan_repayment,cash_withdrawal",10,3,moderate_burden
Kenya,2018,urban,female,32,25-34,highest,1,0,Airtel Money,0,0.0,none,10,1,moderate_burden
Nigeria,2018,urban,female,39,35-44,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2021,rural,female,73,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2018,rural,female,16,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2023,rural,female,23,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2025,rural,female,30,25-34,middle,1,0,Airtel Money,0,0.0,none,8,6,moderate_burden
Niger,2021,rural,female,69,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2020,urban,male,58,55+,second,1,1,Moov Money,15,358.41,"person_to_person,airtime_purchase",7,1,moderate_burden
Senegal,2019,rural,male,42,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2023,rural,male,28,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2022,rural,male,35,25-34,middle,1,0,Moov Money,0,0.0,none,7,2,moderate_burden
Ethiopia,2020,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2025,urban,female,24,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2021,rural,male,22,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2019,urban,female,64,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2025,urban,male,30,25-34,fourth,1,1,M-Pesa,11,115.88,"international_remittance,cash_withdrawal,loan_repayment,bill_payment",3,5,moderate_burden
Niger,2018,urban,female,45,35-44,fourth,1,0,Airtel Money,0,0.0,none,5,6,moderate_burden
Senegal,2025,rural,male,71,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2023,rural,female,59,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2024,urban,male,71,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2025,rural,male,39,35-44,second,1,1,M-Pesa,7,59.27,"cash_deposit,loan_repayment,bill_payment,savings,merchant_payment",1,1,moderate_burden
Uganda,2019,urban,female,26,25-34,fourth,1,1,Airtel Money,14,112.97,"cash_withdrawal,international_remittance,cash_deposit,bill_payment",10,10,moderate_burden
DRC,2023,urban,female,40,35-44,middle,1,1,Orange Money,10,109.94,"savings,person_to_person,cash_withdrawal,merchant_payment,cash_deposit",8,12,moderate_burden
Ethiopia,2023,urban,male,38,35-44,second,1,1,telebirr,12,77.37,"international_remittance,loan_repayment",2,13,moderate_burden
South Africa,2025,urban,female,64,55+,second,1,1,MTN Mobile Money,17,97.45,"international_remittance,cash_withdrawal,bill_payment,merchant_payment",8,16,moderate_burden
Ethiopia,2020,rural,female,22,15-24,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2022,rural,male,59,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Niger,2019,urban,male,63,55+,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2025,rural,female,70,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2024,rural,male,54,45-54,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2023,urban,male,72,55+,middle,1,1,Airtel Money,10,82.09,"airtime_purchase,bill_payment,savings,cash_deposit",9,1,moderate_burden
Ethiopia,2021,rural,male,61,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2025,urban,female,67,55+,middle,1,1,AirtelTigo Money,10,184.02,"cash_deposit,loan_repayment,person_to_person,cash_withdrawal",9,12,moderate_burden
South Africa,2024,urban,male,70,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2023,rural,male,57,55+,lowest,1,1,MTN Mobile Money,3,44.61,"cash_deposit,bill_payment,cash_withdrawal,merchant_payment",6,10,moderate_burden
Ethiopia,2022,rural,female,67,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2018,rural,male,18,15-24,highest,1,0,Moov Money,0,0.0,none,9,6,moderate_burden
Tanzania,2020,rural,female,21,15-24,fourth,1,0,Airtel Money,0,0.0,none,10,1,moderate_burden
Mali,2022,urban,female,49,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2022,rural,female,57,55+,lowest,1,1,Airtel Money,5,77.85,"international_remittance,savings,merchant_payment",2,10,moderate_burden
Uganda,2025,rural,male,74,55+,second,1,0,Airtel Money,0,0.0,none,4,3,moderate_burden
Ethiopia,2019,urban,male,39,35-44,middle,1,1,telebirr,15,234.59,"person_to_person,bill_payment,airtime_purchase,loan_repayment,savings",10,7,moderate_burden
Mozambique,2019,rural,female,66,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2021,rural,female,68,55+,highest,1,1,Airtel Money,13,77.68,"airtime_purchase,cash_deposit",2,7,moderate_burden
South Africa,2020,urban,male,19,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2024,rural,female,60,55+,second,1,1,MTN Mobile Money,11,58.47,"merchant_payment,airtime_purchase,savings,international_remittance",7,10,moderate_burden
South Africa,2021,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2019,urban,female,48,45-54,lowest,1,1,MTN Mobile Money,10,183.27,"merchant_payment,international_remittance,cash_deposit,airtime_purchase,person_to_person",2,6,moderate_burden
Rwanda,2025,urban,female,51,45-54,highest,1,0,MTN Mobile Money,0,0.0,none,10,1,moderate_burden
Malawi,2022,rural,male,57,55+,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2025,urban,female,52,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2020,urban,female,71,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2022,rural,male,50,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2023,rural,female,19,15-24,lowest,1,1,TNM Mpamba,11,75.44,"international_remittance,person_to_person,merchant_payment,cash_withdrawal",5,7,moderate_burden
Mali,2025,rural,female,39,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2019,rural,male,27,25-34,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2020,rural,female,62,55+,fourth,1,0,Airtel Money,0,0.0,none,3,1,moderate_burden
Kenya,2021,urban,male,20,15-24,highest,1,1,Airtel Money,16,31.51,"cash_withdrawal,loan_repayment,savings,international_remittance",3,5,moderate_burden
South Africa,2022,urban,female,44,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2021,urban,female,29,25-34,fourth,1,0,Orange Money,0,0.0,none,5,1,moderate_burden
Ghana,2022,rural,male,26,25-34,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2021,rural,female,29,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2020,rural,male,49,45-54,highest,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2024,urban,female,40,35-44,second,1,1,Vodapay,8,98.41,"cash_withdrawal,merchant_payment,airtime_purchase,bill_payment,person_to_person",8,12,moderate_burden
Uganda,2024,rural,female,38,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,6,14,moderate_burden
Ghana,2025,urban,female,54,45-54,second,1,0,Vodafone Cash,0,0.0,none,8,8,moderate_burden
Niger,2020,rural,female,44,35-44,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2019,rural,male,62,55+,highest,1,0,Wari,0,0.0,none,10,2,moderate_burden
Kenya,2025,rural,male,72,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2020,rural,male,60,55+,lowest,1,0,Tigo Pesa,0,0.0,none,7,5,moderate_burden
Zambia,2023,rural,female,53,45-54,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2025,urban,male,68,55+,highest,1,1,M-Pesa,14,125.6,"international_remittance,airtime_purchase,cash_withdrawal,bill_payment,loan_repayment",3,6,moderate_burden
Uganda,2018,urban,male,68,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2023,rural,female,70,55+,second,1,0,FNB eWallet,0,0.0,none,2,14,moderate_burden
Malawi,2019,urban,male,45,35-44,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2022,urban,male,32,25-34,fourth,1,1,MTN Mobile Money,12,110.11,"cash_withdrawal,loan_repayment",10,5,moderate_burden
Nigeria,2021,urban,male,69,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2019,urban,female,69,55+,fourth,1,1,Airtel Money,15,103.92,"cash_deposit,person_to_person",5,11,moderate_burden
Uganda,2020,urban,female,35,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,2,5,moderate_burden
Uganda,2021,urban,female,50,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2023,rural,female,49,45-54,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2022,rural,female,38,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2023,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2021,urban,female,49,45-54,second,1,0,Orange Money,0,0.0,none,6,6,moderate_burden
Rwanda,2023,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2018,urban,female,69,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2024,rural,male,36,35-44,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2018,urban,female,60,55+,fourth,1,1,Wari,16,56.83,"cash_deposit,person_to_person,loan_repayment,airtime_purchase",5,1,moderate_burden
Niger,2021,urban,female,72,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2018,rural,female,51,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2024,rural,male,25,15-24,second,1,0,MTN Mobile Money,0,0.0,none,3,1,moderate_burden
Kenya,2018,urban,female,45,35-44,middle,1,1,Airtel Money,12,122.76,"loan_repayment,bill_payment",4,6,moderate_burden
South Africa,2019,urban,female,45,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,2,9,moderate_burden
Niger,2024,rural,male,42,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2023,rural,female,74,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2025,rural,male,68,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2018,urban,male,24,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2019,rural,female,74,55+,highest,1,1,M-Pesa,7,116.25,"person_to_person,merchant_payment",10,1,moderate_burden
Senegal,2024,urban,female,33,25-34,lowest,1,1,Orange Money,15,78.11,"cash_withdrawal,cash_deposit,bill_payment,airtime_purchase",3,10,moderate_burden
South Africa,2023,urban,male,69,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2019,urban,female,18,15-24,fourth,1,0, PalmPay,0,0.0,none,10,9,moderate_burden
Ethiopia,2022,rural,male,34,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2020,urban,female,23,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2025,rural,female,15,15-24,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2022,rural,female,15,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2018,rural,male,24,15-24,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2019,rural,male,55,45-54,fourth,1,1,Airtel Money,4,91.38,"cash_deposit,airtime_purchase,international_remittance",6,7,moderate_burden
Kenya,2022,urban,female,28,25-34,fourth,1,0,Airtel Money,0,0.0,none,3,5,moderate_burden
Malawi,2022,rural,male,70,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2024,urban,male,71,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2019,urban,female,72,55+,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2022,urban,male,44,35-44,fourth,1,0,AirtelTigo Money,0,0.0,none,8,13,moderate_burden
Zambia,2018,rural,female,57,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2021,rural,female,42,35-44,lowest,1,1,M-Pesa,8,60.87,"merchant_payment,person_to_person",9,8,moderate_burden
Kenya,2023,rural,male,64,55+,middle,1,0,M-Pesa,0,0.0,none,8,1,moderate_burden
Ghana,2020,rural,male,43,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2019,rural,female,62,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2018,urban,male,16,15-24,middle,1,1,Airtel Money,12,185.78,"person_to_person,cash_withdrawal,airtime_purchase",10,6,moderate_burden
Nigeria,2018,urban,female,23,15-24,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2022,rural,male,33,25-34,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2023,rural,male,58,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2019,rural,female,18,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2021,rural,female,59,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2018,urban,male,34,25-34,fourth,1,1,Moov Money,5,104.98,"loan_repayment,cash_deposit,cash_withdrawal",6,10,moderate_burden
Niger,2020,urban,female,66,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2025,urban,female,73,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2023,rural,female,52,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2022,rural,male,27,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2019,rural,male,36,35-44,highest,1,0,FNB eWallet,0,0.0,none,2,6,moderate_burden
Nigeria,2022,rural,male,23,15-24,second,1,1, PalmPay,5,63.71,"airtime_purchase,bill_payment,cash_deposit",3,1,moderate_burden
DRC,2018,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2024,rural,female,56,55+,fourth,1,1,Airtel Money,6,43.17,"bill_payment,savings,person_to_person,airtime_purchase,loan_repayment",10,13,moderate_burden
Ethiopia,2023,urban,female,32,25-34,second,1,1,M-Birr,10,89.25,"loan_repayment,person_to_person",8,5,moderate_burden
Zambia,2018,urban,male,68,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2020,urban,female,63,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2023,rural,female,29,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2018,urban,male,38,35-44,fourth,1,1,Airtel Money,9,217.09,"cash_deposit,person_to_person,loan_repayment,cash_withdrawal",2,7,moderate_burden
Uganda,2025,urban,male,41,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,2,6,moderate_burden
Kenya,2019,urban,female,49,45-54,highest,1,1,M-Pesa,6,95.03,"savings,cash_withdrawal,airtime_purchase",3,6,moderate_burden
Malawi,2024,rural,male,70,55+,fourth,1,0,TNM Mpamba,0,0.0,none,1,14,moderate_burden
Senegal,2021,urban,female,39,35-44,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2018,rural,male,47,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2018,urban,female,29,25-34,highest,1,1,Moov Money,12,176.41,"international_remittance,bill_payment",7,9,moderate_burden
Mali,2022,rural,male,48,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2021,rural,female,19,15-24,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2021,urban,male,45,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2024,rural,female,72,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2025,urban,female,62,55+,middle,1,1,AirtelTigo Money,11,156.6,"loan_repayment,airtime_purchase,cash_deposit",6,10,moderate_burden
DRC,2020,urban,male,43,35-44,second,1,1,Orange Money,8,62.02,"international_remittance,cash_deposit,bill_payment",3,4,moderate_burden
South Africa,2023,rural,male,17,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2020,rural,female,34,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2021,rural,female,26,25-34,middle,1,0,Airtel Money,0,0.0,none,10,11,moderate_burden
Ghana,2018,rural,male,28,25-34,second,1,0,AirtelTigo Money,0,0.0,none,5,8,moderate_burden
DRC,2024,rural,female,46,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2022,urban,male,21,15-24,fourth,1,1,Airtel Money,11,104.71,"cash_withdrawal,cash_deposit,international_remittance",10,12,moderate_burden
South Africa,2023,urban,male,15,15-24,second,1,0,Vodapay,0,0.0,none,9,15,moderate_burden
Mali,2019,urban,female,55,45-54,middle,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2020,rural,male,63,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2024,rural,female,45,35-44,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2024,urban,male,72,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2025,rural,female,35,25-34,second,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2019,rural,male,68,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2018,rural,female,40,35-44,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2020,urban,male,69,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2023,rural,male,17,15-24,fourth,1,1,MTN Mobile Money,8,296.41,"cash_deposit,person_to_person,international_remittance",6,10,moderate_burden
Malawi,2025,rural,male,61,55+,second,1,0,Airtel Money,0,0.0,none,2,13,moderate_burden
Ghana,2022,rural,female,54,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2024,rural,female,23,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2019,urban,female,29,25-34,highest,1,1,Tigo Pesa,9,58.68,"airtime_purchase,cash_deposit,merchant_payment,international_remittance,savings",5,9,moderate_burden
Rwanda,2023,rural,female,29,25-34,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2019,rural,female,40,35-44,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2024,rural,female,50,45-54,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Uganda,2020,rural,female,69,55+,highest,1,0,MTN Mobile Money,0,0.0,none,9,4,moderate_burden
Ghana,2018,rural,female,64,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2024,rural,male,37,35-44,second,1,0,Airtel Money,0,0.0,none,1,12,moderate_burden
Mozambique,2018,rural,female,16,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2021,rural,male,45,35-44,fourth,1,0,M-Pesa,0,0.0,none,10,11,moderate_burden
Rwanda,2018,urban,female,51,45-54,highest,1,1,MTN Mobile Money,12,131.48,"savings,merchant_payment,airtime_purchase",3,8,moderate_burden
DRC,2018,urban,female,28,25-34,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2022,rural,female,69,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2023,urban,male,22,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2024,urban,female,59,55+,middle,1,0,M-Pesa,0,0.0,none,9,15,moderate_burden
Senegal,2018,rural,female,58,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2024,urban,male,42,35-44,second,1,0,Wave,0,0.0,none,5,7,moderate_burden
Mali,2025,urban,male,64,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2018,rural,female,20,15-24,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2021,urban,female,18,15-24,highest,1,1,Paga,11,76.69,"person_to_person,savings,international_remittance,merchant_payment,airtime_purchase",3,8,moderate_burden
Senegal,2025,rural,male,20,15-24,fourth,1,0,Wari,0,0.0,none,10,11,moderate_burden
Malawi,2018,rural,male,42,35-44,fourth,1,0,Airtel Money,0,0.0,none,1,5,moderate_burden
Malawi,2018,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2020,urban,female,29,25-34,highest,1,1,Airtel Money,12,116.06,"cash_deposit,merchant_payment,bill_payment,person_to_person,international_remittance",7,8,moderate_burden
DRC,2025,urban,female,62,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2024,urban,female,71,55+,lowest,1,1,AirtelTigo Money,18,67.66,"cash_withdrawal,merchant_payment,savings",10,15,moderate_burden
Ghana,2023,rural,female,46,45-54,highest,1,0,Vodafone Cash,0,0.0,none,7,14,moderate_burden
Mali,2023,urban,female,42,35-44,second,1,1,Orange Money,13,276.7,"loan_repayment,cash_deposit,cash_withdrawal,person_to_person",8,1,moderate_burden
Mozambique,2019,rural,female,28,25-34,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2022,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Ghana,2018,rural,female,44,35-44,second,1,0,Vodafone Cash,0,0.0,none,9,1,moderate_burden
Senegal,2022,rural,female,23,15-24,second,1,0,Wave,0,0.0,none,5,4,moderate_burden
Nigeria,2025,urban,male,58,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2020,urban,male,73,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2019,rural,female,31,25-34,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2018,rural,female,41,35-44,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2023,rural,female,26,25-34,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2019,urban,female,21,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2025,urban,female,49,45-54,middle,1,0,TNM Mpamba,0,0.0,none,5,16,moderate_burden
Mozambique,2025,urban,female,29,25-34,lowest,1,0,e-Mola,0,0.0,none,6,16,moderate_burden
Kenya,2025,rural,female,65,55+,fourth,1,1,M-Pesa,11,149.49,"bill_payment,merchant_payment",5,5,moderate_burden
Mali,2024,urban,male,39,35-44,fourth,1,1,Orange Money,9,103.74,"person_to_person,merchant_payment",10,14,moderate_burden
Mozambique,2018,rural,male,29,25-34,highest,1,0,M-Pesa,0,0.0,none,4,3,moderate_burden
Ethiopia,2024,urban,female,35,25-34,fourth,1,0,M-Birr,0,0.0,none,10,4,moderate_burden
Ethiopia,2018,rural,female,42,35-44,highest,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2021,rural,male,54,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2019,rural,male,40,35-44,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2022,urban,female,55,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2018,rural,female,73,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2020,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2018,rural,female,45,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2024,urban,female,18,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2020,urban,male,39,35-44,lowest,1,1,MTN Mobile Money,10,42.41,"international_remittance,person_to_person,loan_repayment",8,4,moderate_burden
Rwanda,2020,rural,female,60,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2022,urban,female,67,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2019,urban,male,40,35-44,highest,1,1,M-Pesa,15,101.1,"person_to_person,bill_payment,merchant_payment,savings,loan_repayment",6,5,moderate_burden
Zambia,2025,urban,female,23,15-24,highest,1,1,MTN Mobile Money,11,124.14,"cash_withdrawal,savings,merchant_payment",5,9,moderate_burden
Senegal,2020,rural,female,33,25-34,second,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2023,rural,male,26,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2023,rural,female,69,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2021,urban,female,54,45-54,fourth,1,0,Airtel Money,0,0.0,none,3,3,moderate_burden
Kenya,2021,urban,female,45,35-44,second,1,1,Airtel Money,13,253.34,"savings,airtime_purchase",3,12,moderate_burden
Senegal,2025,urban,male,23,15-24,middle,1,1,Orange Money,12,66.3,"loan_repayment,bill_payment,international_remittance",3,7,moderate_burden
Niger,2025,rural,male,52,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2022,rural,male,55,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,10,7,moderate_burden
Senegal,2023,rural,female,65,55+,second,1,0,Orange Money,0,0.0,none,1,2,moderate_burden
Ethiopia,2021,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2024,rural,male,63,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2023,urban,male,51,45-54,second,1,0,AirtelTigo Money,0,0.0,none,4,9,moderate_burden
Rwanda,2024,rural,male,74,55+,highest,1,0,Airtel Money,0,0.0,none,1,6,moderate_burden
Mozambique,2025,rural,male,69,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2024,rural,male,46,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2025,rural,female,45,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,9,13,moderate_burden
Rwanda,2024,urban,male,30,25-34,highest,1,1,MTN Mobile Money,9,44.9,"cash_withdrawal,person_to_person",10,10,moderate_burden
Zambia,2019,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2019,rural,male,74,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2020,rural,female,55,45-54,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Ghana,2019,rural,female,18,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2024,urban,female,51,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2020,urban,male,57,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2024,urban,female,35,25-34,second,1,1,Airtel Money,7,66.94,"loan_repayment,cash_withdrawal,person_to_person,airtime_purchase",10,14,moderate_burden
Ethiopia,2018,rural,male,29,25-34,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2023,urban,male,61,55+,second,1,0,Zamtel Kwacha,0,0.0,none,4,2,moderate_burden
Tanzania,2018,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2023,rural,female,56,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2022,urban,female,71,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2021,urban,male,44,35-44,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2021,urban,male,46,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2018,rural,male,68,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2024,rural,male,53,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2024,urban,female,57,55+,fourth,1,1,MTN Mobile Money,7,46.6,"cash_deposit,cash_withdrawal,merchant_payment,person_to_person,bill_payment",4,7,moderate_burden
Ghana,2021,rural,male,19,15-24,second,1,0,AirtelTigo Money,0,0.0,none,8,9,moderate_burden
Ethiopia,2024,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2022,rural,female,35,25-34,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2020,rural,male,32,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,3,7,moderate_burden
Zambia,2024,urban,male,47,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2022,rural,male,26,25-34,second,1,1,Wave,7,50.68,"merchant_payment,person_to_person,loan_repayment,cash_withdrawal,savings",2,9,moderate_burden
Ethiopia,2019,rural,female,44,35-44,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2025,urban,male,17,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2023,urban,female,22,15-24,lowest,1,1,Moov Money,18,285.05,"savings,airtime_purchase,merchant_payment,international_remittance",5,8,moderate_burden
Mozambique,2023,rural,female,22,15-24,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2022,rural,female,53,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2020,rural,male,66,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,1,1,moderate_burden
Ethiopia,2020,urban,male,56,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2020,rural,female,32,25-34,middle,1,1,Zamtel Kwacha,7,203.21,"person_to_person,bill_payment,airtime_purchase,loan_repayment,international_remittance",3,5,moderate_burden
Ghana,2022,urban,female,66,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2021,rural,male,24,15-24,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2024,rural,male,60,55+,fourth,1,0,e-Mola,0,0.0,none,10,6,moderate_burden
Tanzania,2023,rural,female,60,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2019,urban,male,55,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2020,rural,female,41,35-44,lowest,1,1,Airtel Money,7,155.14,"cash_deposit,savings,international_remittance,merchant_payment,bill_payment",6,2,moderate_burden
Rwanda,2021,urban,female,23,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,10,6,moderate_burden
Ghana,2023,urban,male,58,55+,highest,1,0,AirtelTigo Money,0,0.0,none,8,5,moderate_burden
Nigeria,2020,urban,male,25,15-24,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2023,rural,female,30,25-34,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2018,urban,female,63,55+,lowest,1,0,M-Pesa,0,0.0,none,6,10,moderate_burden
Nigeria,2022,urban,male,54,45-54,lowest,1,1,OPay,9,145.17,"cash_withdrawal,merchant_payment",9,10,moderate_burden
Rwanda,2023,rural,female,30,25-34,fourth,1,1,MTN Mobile Money,3,30.08,"loan_repayment,international_remittance",10,3,moderate_burden
Ghana,2023,urban,female,41,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2019,rural,male,33,25-34,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2020,rural,female,35,25-34,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2019,urban,female,35,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2025,urban,female,71,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2018,rural,male,37,35-44,fourth,1,1,M-Pesa,9,100.72,"bill_payment,person_to_person,cash_deposit,loan_repayment,international_remittance",8,3,moderate_burden
Malawi,2019,rural,female,23,15-24,highest,1,0,TNM Mpamba,0,0.0,none,7,11,moderate_burden
Ethiopia,2018,urban,female,46,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2024,rural,male,35,25-34,second,1,0,M-Pesa,0,0.0,none,9,15,moderate_burden
Ghana,2023,urban,male,70,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2023,rural,female,27,25-34,fourth,1,0,Tigo Pesa,0,0.0,none,10,3,moderate_burden
Kenya,2023,rural,female,57,55+,second,1,1,M-Pesa,6,130.07,"loan_repayment,cash_withdrawal,international_remittance",3,8,moderate_burden
Niger,2025,rural,female,28,25-34,middle,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Mali,2018,urban,female,69,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2022,urban,female,31,25-34,middle,1,1,M-Pesa,12,231.14,"bill_payment,airtime_purchase,person_to_person,loan_repayment,cash_deposit",8,9,moderate_burden
Ghana,2019,rural,male,47,45-54,second,1,0,AirtelTigo Money,0,0.0,none,3,6,moderate_burden
Mozambique,2020,urban,male,44,35-44,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2025,urban,female,68,55+,highest,1,0,Moov Money,0,0.0,none,8,7,moderate_burden
Malawi,2021,rural,female,39,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2022,urban,female,42,35-44,middle,1,1,Orange Money,10,139.23,"savings,person_to_person,merchant_payment,cash_withdrawal,bill_payment",7,13,moderate_burden
Nigeria,2019,rural,male,22,15-24,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2021,rural,female,40,35-44,lowest,1,0,Airtel Money,0,0.0,none,5,5,moderate_burden
Kenya,2025,rural,male,31,25-34,fourth,1,1,Airtel Money,6,109.87,"person_to_person,bill_payment,merchant_payment",7,13,moderate_burden
Malawi,2019,rural,male,27,25-34,middle,1,0,TNM Mpamba,0,0.0,none,5,11,moderate_burden
Mali,2023,rural,female,39,35-44,second,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2022,rural,male,20,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2020,rural,male,41,35-44,fourth,1,0,Airtel Money,0,0.0,none,7,4,moderate_burden
Malawi,2025,urban,female,74,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2024,rural,female,33,25-34,fourth,1,0,Airtel Money,0,0.0,none,3,13,moderate_burden
Ghana,2023,urban,female,63,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2018,rural,female,47,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2023,rural,male,40,35-44,second,1,0,Airtel Money,0,0.0,none,1,15,moderate_burden
Mali,2023,urban,male,74,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2018,urban,female,56,55+,highest,1,0,Vodapay,0,0.0,none,5,5,moderate_burden
Kenya,2020,rural,male,71,55+,fourth,1,0,Airtel Money,0,0.0,none,7,10,moderate_burden
Rwanda,2021,rural,male,24,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,7,9,moderate_burden
Ethiopia,2019,urban,female,52,45-54,second,1,1,M-Birr,16,52.52,"airtime_purchase,bill_payment,cash_deposit,savings",10,8,moderate_burden
South Africa,2020,rural,male,28,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2024,rural,female,58,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2023,urban,female,48,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2023,urban,male,70,55+,highest,1,1,Paga,17,162.8,"international_remittance,person_to_person,bill_payment,cash_deposit",7,9,moderate_burden
Malawi,2024,urban,female,72,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2021,rural,female,56,55+,second,0,0,none,0,0.0,none,1,0,moderate_burden
DRC,2023,urban,female,19,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2019,rural,female,47,45-54,second,1,0,MTN Mobile Money,0,0.0,none,7,7,moderate_burden
Niger,2023,rural,female,27,25-34,fourth,1,0,Airtel Money,0,0.0,none,4,6,moderate_burden
Niger,2023,rural,male,63,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2024,urban,male,63,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2022,rural,female,25,15-24,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2020,rural,male,50,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2021,rural,female,37,35-44,middle,1,0,Orange Money,0,0.0,none,6,1,moderate_burden
Mozambique,2021,rural,male,70,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2025,rural,male,29,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2022,rural,male,22,15-24,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2019,rural,male,72,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2019,rural,female,51,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2024,rural,male,29,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,4,3,moderate_burden
Nigeria,2022,urban,male,25,15-24,middle,1,1, PalmPay,14,214.41,"loan_repayment,person_to_person",6,2,moderate_burden
Kenya,2019,urban,male,55,45-54,fourth,1,1,M-Pesa,9,33.42,"airtime_purchase,loan_repayment",8,1,moderate_burden
Tanzania,2024,rural,female,69,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2025,rural,female,73,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2019,rural,female,18,15-24,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2024,urban,male,73,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Nigeria,2024,rural,female,56,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mali,2025,urban,male,30,25-34,middle,1,1,Orange Money,11,152.34,"person_to_person,airtime_purchase",5,3,moderate_burden
Rwanda,2018,urban,male,24,15-24,middle,1,1,MTN Mobile Money,11,86.31,"cash_deposit,airtime_purchase,bill_payment,cash_withdrawal",4,6,moderate_burden
Mozambique,2024,urban,female,50,45-54,middle,1,0,e-Mola,0,0.0,none,2,15,moderate_burden
South Africa,2022,rural,female,54,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2021,urban,male,29,25-34,second,1,1,M-Pesa,11,49.11,"airtime_purchase,bill_payment,cash_withdrawal",6,2,moderate_burden
Niger,2025,urban,female,71,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2023,urban,male,44,35-44,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2024,rural,male,63,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Niger,2020,rural,male,22,15-24,second,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2020,rural,male,24,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2019,rural,female,62,55+,lowest,1,0,Airtel Money,0,0.0,none,4,7,moderate_burden
Mozambique,2018,urban,male,49,45-54,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2018,rural,female,61,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2025,rural,male,47,45-54,fourth,1,1,MTN Mobile Money,6,40.55,"cash_withdrawal,cash_deposit,merchant_payment,loan_repayment,savings",4,12,moderate_burden
Ethiopia,2024,urban,female,47,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2025,urban,female,44,35-44,fourth,1,0,Airtel Money,0,0.0,none,9,10,moderate_burden
DRC,2018,rural,male,58,55+,lowest,1,1,Orange Money,10,79.79,"merchant_payment,cash_deposit,loan_repayment,bill_payment,person_to_person",8,8,moderate_burden
Uganda,2022,rural,male,15,15-24,lowest,1,1,MTN Mobile Money,7,167.02,"cash_withdrawal,international_remittance,person_to_person",8,9,moderate_burden
Uganda,2022,rural,female,19,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,2,2,moderate_burden
Tanzania,2018,rural,male,30,25-34,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2025,rural,female,37,35-44,second,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2022,urban,male,45,35-44,fourth,1,1,MTN Mobile Money,18,80.9,"person_to_person,airtime_purchase,international_remittance,loan_repayment",5,10,moderate_burden
Rwanda,2018,rural,female,48,45-54,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2024,urban,male,35,25-34,second,1,0,M-Pesa,0,0.0,none,6,11,moderate_burden
Niger,2020,rural,male,49,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2022,rural,female,17,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2023,rural,female,40,35-44,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2023,urban,female,40,35-44,fourth,1,0,Paga,0,0.0,none,10,14,moderate_burden
Tanzania,2024,urban,female,60,55+,middle,1,1,Tigo Pesa,12,66.86,"airtime_purchase,cash_deposit,international_remittance",3,3,moderate_burden
Nigeria,2021,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2022,rural,male,24,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2021,urban,female,43,35-44,highest,1,1,Orange Money,11,165.34,"merchant_payment,airtime_purchase,loan_repayment",9,4,moderate_burden
Zambia,2024,rural,female,37,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,9,1,moderate_burden
Tanzania,2024,rural,female,57,55+,middle,1,0,M-Pesa,0,0.0,none,7,2,moderate_burden
Mali,2021,rural,female,40,35-44,fourth,1,0,Moov Money,0,0.0,none,8,11,moderate_burden
Senegal,2022,rural,female,53,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2023,rural,male,26,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2022,rural,female,54,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2022,urban,female,48,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2020,urban,female,18,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2025,urban,female,68,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2025,urban,female,42,35-44,fourth,1,0,Airtel Money,0,0.0,none,2,6,moderate_burden
Niger,2023,rural,male,56,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2018,rural,female,42,35-44,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2019,rural,female,70,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2025,rural,male,58,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2018,rural,female,68,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2019,rural,male,54,45-54,lowest,1,0,MTN Mobile Money,0,0.0,none,1,4,moderate_burden
South Africa,2021,urban,female,31,25-34,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2018,rural,male,47,45-54,highest,1,0,MTN Mobile Money,0,0.0,none,3,9,moderate_burden
DRC,2023,rural,female,63,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2018,urban,female,54,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2019,rural,female,67,55+,lowest,1,0,AirtelTigo Money,0,0.0,none,3,4,moderate_burden
Niger,2022,urban,female,63,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2023,rural,male,52,45-54,middle,1,1,M-Pesa,5,84.44,"merchant_payment,bill_payment,savings,cash_withdrawal,airtime_purchase",7,10,moderate_burden
Ghana,2018,urban,female,72,55+,lowest,1,0,AirtelTigo Money,0,0.0,none,5,3,moderate_burden
Senegal,2025,urban,male,62,55+,lowest,1,0,Wave,0,0.0,none,9,5,moderate_burden
Tanzania,2022,urban,male,18,15-24,middle,1,1,Airtel Money,8,48.01,"loan_repayment,person_to_person",10,5,moderate_burden
Senegal,2018,rural,female,66,55+,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2019,rural,female,17,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2020,rural,male,45,35-44,highest,1,0,Orange Money,0,0.0,none,3,8,moderate_burden
Senegal,2019,rural,male,19,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2022,urban,female,19,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2024,rural,male,72,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2018,rural,female,37,35-44,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2020,rural,male,52,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2023,rural,female,38,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2019,urban,female,43,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2018,rural,male,23,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2025,urban,female,30,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2020,urban,female,36,35-44,fourth,1,1,Orange Money,9,115.14,"cash_withdrawal,cash_deposit",7,1,moderate_burden
Zambia,2021,rural,female,62,55+,second,1,1,Airtel Money,7,42.55,"cash_deposit,cash_withdrawal,airtime_purchase",2,4,moderate_burden
Kenya,2021,rural,female,16,15-24,second,1,0,M-Pesa,0,0.0,none,4,2,moderate_burden
Ghana,2022,rural,female,72,55+,lowest,1,0,AirtelTigo Money,0,0.0,none,3,7,moderate_burden
Uganda,2018,rural,female,60,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2024,urban,male,49,45-54,fourth,1,1,telebirr,12,62.12,"savings,international_remittance,airtime_purchase,bill_payment,cash_withdrawal",4,9,moderate_burden
Mali,2022,urban,male,41,35-44,highest,1,1,Orange Money,13,101.57,"cash_withdrawal,cash_deposit",10,12,moderate_burden
DRC,2019,rural,female,41,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2019,rural,female,52,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2022,rural,male,27,25-34,fourth,1,0,M-Pesa,0,0.0,none,9,8,moderate_burden
DRC,2022,urban,female,30,25-34,second,1,1,Orange Money,9,66.1,"cash_deposit,bill_payment",5,13,moderate_burden
Tanzania,2020,urban,female,30,25-34,second,1,1,M-Pesa,15,267.57,"bill_payment,savings,merchant_payment",6,10,moderate_burden
Rwanda,2025,urban,female,36,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,6,13,moderate_burden
Mozambique,2020,rural,male,36,35-44,fourth,1,0,M-Pesa,0,0.0,none,5,6,moderate_burden
South Africa,2024,urban,female,56,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2024,rural,male,59,55+,lowest,1,1,Orange Money,11,113.74,"airtime_purchase,merchant_payment,person_to_person",6,15,moderate_burden
Rwanda,2019,rural,female,65,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2021,urban,male,43,35-44,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2025,urban,female,56,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2023,rural,female,74,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
South Africa,2022,urban,male,56,55+,fourth,1,0,Vodapay,0,0.0,none,10,10,moderate_burden
Mozambique,2025,rural,male,36,35-44,highest,1,0,M-Pesa,0,0.0,none,4,17,moderate_burden
Kenya,2024,urban,female,62,55+,fourth,1,0,Airtel Money,0,0.0,none,8,10,moderate_burden
Ghana,2018,rural,female,65,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2018,urban,male,74,55+,fourth,1,1,Airtel Money,11,94.49,"loan_repayment,cash_withdrawal",9,5,moderate_burden
Ethiopia,2022,rural,male,72,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2022,urban,male,45,35-44,fourth,1,0,Airtel Money,0,0.0,none,9,10,moderate_burden
DRC,2019,urban,female,38,35-44,second,1,1,Airtel Money,15,122.34,"person_to_person,merchant_payment,cash_withdrawal",7,11,moderate_burden
Niger,2022,urban,female,51,45-54,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2023,urban,female,39,35-44,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Nigeria,2020,urban,male,27,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2018,urban,female,36,35-44,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2020,rural,female,26,25-34,middle,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2023,urban,female,59,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2021,rural,male,60,55+,fourth,1,0,e-Mola,0,0.0,none,2,11,moderate_burden
South Africa,2020,urban,male,62,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2023,rural,male,57,55+,middle,1,1,M-Pesa,9,281.45,"merchant_payment,bill_payment,airtime_purchase,cash_withdrawal",10,9,moderate_burden
Malawi,2022,urban,male,26,25-34,second,1,1,TNM Mpamba,10,73.41,"cash_deposit,person_to_person,savings,merchant_payment",5,3,moderate_burden
Kenya,2023,rural,female,21,15-24,lowest,1,1,Airtel Money,6,61.72,"bill_payment,merchant_payment,savings,cash_withdrawal,loan_repayment",8,2,moderate_burden
Senegal,2022,rural,female,67,55+,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2018,urban,male,70,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2020,rural,female,74,55+,lowest,1,0,Tigo Pesa,0,0.0,none,2,9,moderate_burden
Tanzania,2025,urban,female,19,15-24,fourth,1,0,Airtel Money,0,0.0,none,6,16,moderate_burden
Mali,2025,rural,female,20,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2019,urban,male,17,15-24,lowest,1,0,AirtelTigo Money,0,0.0,none,8,10,moderate_burden
Mali,2023,rural,female,54,45-54,fourth,1,0,Moov Money,0,0.0,none,4,9,moderate_burden
Niger,2018,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ghana,2024,urban,male,34,25-34,second,1,1,AirtelTigo Money,12,82.13,"loan_repayment,international_remittance",9,16,moderate_burden
Mozambique,2022,rural,female,21,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2023,rural,female,60,55+,second,1,0,M-Pesa,0,0.0,none,6,12,moderate_burden
Mozambique,2019,rural,male,57,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2020,rural,male,70,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2025,rural,female,60,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2018,rural,female,20,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,10,5,moderate_burden
Rwanda,2019,rural,male,64,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Senegal,2024,rural,female,71,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2020,rural,female,26,25-34,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2018,urban,female,63,55+,middle,1,0,Tigo Pesa,0,0.0,none,8,9,moderate_burden
Kenya,2018,rural,female,19,15-24,highest,1,0,Airtel Money,0,0.0,none,9,4,moderate_burden
Zambia,2021,urban,female,74,55+,fourth,1,1,Zamtel Kwacha,15,39.04,"bill_payment,loan_repayment",9,5,moderate_burden
DRC,2025,rural,female,35,25-34,second,1,1,Orange Money,12,118.46,"airtime_purchase,international_remittance,merchant_payment,cash_withdrawal",9,3,moderate_burden
Zambia,2024,rural,male,66,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2022,rural,male,28,25-34,second,1,0,Airtel Money,0,0.0,none,3,6,moderate_burden
Zambia,2023,rural,female,65,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Nigeria,2019,urban,female,28,25-34,middle,1,1,OPay,13,94.12,"loan_repayment,cash_deposit,cash_withdrawal",5,2,moderate_burden
Zambia,2025,urban,female,19,15-24,fourth,1,1,Airtel Money,21,264.74,"person_to_person,cash_deposit,bill_payment,merchant_payment",10,8,moderate_burden
DRC,2020,rural,male,61,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2021,urban,male,44,35-44,second,1,1,telebirr,18,170.23,"bill_payment,merchant_payment,savings",2,3,moderate_burden
Kenya,2019,urban,female,27,25-34,middle,1,0,M-Pesa,0,0.0,none,6,9,moderate_burden
Nigeria,2023,urban,female,61,55+,middle,1,1,Paga,14,164.48,"cash_deposit,cash_withdrawal,airtime_purchase,international_remittance",2,4,moderate_burden
Zambia,2019,urban,female,22,15-24,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
DRC,2022,rural,female,73,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2021,urban,female,40,35-44,middle,1,0,Airtel Money,0,0.0,none,9,8,moderate_burden
DRC,2025,rural,male,45,35-44,fourth,1,1,M-Pesa,3,125.76,"cash_withdrawal,bill_payment,cash_deposit,airtime_purchase",1,9,moderate_burden
Ethiopia,2018,urban,female,41,35-44,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2020,urban,female,43,35-44,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2025,urban,female,67,55+,fourth,1,1,Moov Money,8,55.79,"merchant_payment,savings,loan_repayment",9,8,moderate_burden
Kenya,2024,urban,male,31,25-34,second,1,0,M-Pesa,0,0.0,none,10,10,moderate_burden
Senegal,2021,rural,female,47,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2020,urban,male,20,15-24,middle,1,1,M-Pesa,9,164.83,"cash_deposit,merchant_payment,international_remittance,airtime_purchase",5,2,moderate_burden
Tanzania,2023,urban,female,39,35-44,second,1,1,Airtel Money,12,67.3,"airtime_purchase,person_to_person,cash_deposit,international_remittance,savings",6,12,moderate_burden
Nigeria,2025,rural,female,65,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2020,urban,female,52,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2018,urban,male,70,55+,second,1,1,Airtel Money,8,77.59,"cash_deposit,international_remittance",7,6,moderate_burden
South Africa,2021,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2024,urban,male,28,25-34,second,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Malawi,2024,rural,female,38,35-44,middle,1,0,TNM Mpamba,0,0.0,none,4,14,moderate_burden
Nigeria,2021,rural,female,61,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2020,rural,male,42,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2022,urban,male,67,55+,lowest,1,0,Vodafone Cash,0,0.0,none,4,13,moderate_burden
Tanzania,2020,rural,female,39,35-44,highest,1,0,Tigo Pesa,0,0.0,none,3,6,moderate_burden
Nigeria,2018,urban,female,39,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2022,urban,female,52,45-54,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2018,rural,female,58,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Uganda,2024,urban,male,65,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,9,13,moderate_burden
Ghana,2023,urban,female,16,15-24,middle,1,0,Vodafone Cash,0,0.0,none,8,1,moderate_burden
Niger,2018,rural,female,35,25-34,second,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2019,rural,female,52,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2019,urban,female,17,15-24,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2023,rural,female,15,15-24,middle,1,0,Airtel Money,0,0.0,none,10,8,moderate_burden
Senegal,2023,rural,female,33,25-34,fourth,1,1,Wave,17,74.44,"loan_repayment,merchant_payment",6,13,moderate_burden
Rwanda,2022,rural,female,56,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,7,12,moderate_burden
Kenya,2025,urban,male,17,15-24,middle,1,0,M-Pesa,0,0.0,none,10,9,moderate_burden
Malawi,2020,urban,female,32,25-34,lowest,1,0,TNM Mpamba,0,0.0,none,3,4,moderate_burden
Tanzania,2020,rural,female,57,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2019,rural,male,44,35-44,middle,1,0,Orange Money,0,0.0,none,2,8,moderate_burden
Uganda,2023,rural,female,31,25-34,middle,1,0,Airtel Money,0,0.0,none,6,8,moderate_burden
Ghana,2022,rural,female,74,55+,middle,1,0,Vodafone Cash,0,0.0,none,3,5,moderate_burden
Senegal,2025,rural,male,70,55+,highest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2023,rural,male,26,25-34,highest,1,0,Airtel Money,0,0.0,none,10,9,moderate_burden
Mali,2018,rural,female,33,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2021,rural,female,67,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2019,rural,male,65,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2023,rural,male,21,15-24,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2025,rural,female,37,35-44,fourth,1,1,Orange Money,7,128.36,"bill_payment,person_to_person",5,7,moderate_burden
Mozambique,2023,rural,female,68,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Rwanda,2022,rural,female,35,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2024,rural,male,47,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2018,urban,female,43,35-44,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2022,rural,female,68,55+,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2020,rural,female,47,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2025,urban,male,62,55+,highest,1,0,Orange Money,0,0.0,none,5,1,moderate_burden
Mozambique,2024,rural,male,71,55+,middle,1,1,M-Pesa,8,112.99,"person_to_person,savings,loan_repayment,international_remittance",2,7,moderate_burden
Ghana,2018,rural,male,19,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2024,rural,female,56,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2025,urban,male,64,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Tanzania,2022,rural,female,51,45-54,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2018,urban,male,15,15-24,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2019,rural,male,68,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Niger,2020,rural,male,66,55+,fourth,1,1,Airtel Money,8,94.29,"international_remittance,bill_payment,cash_deposit",1,2,moderate_burden
Senegal,2020,urban,female,47,45-54,middle,1,1,Wari,13,44.95,"loan_repayment,savings,person_to_person,cash_withdrawal",4,10,moderate_burden
Nigeria,2022,rural,female,65,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2019,rural,female,32,25-34,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2020,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2024,rural,female,21,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2019,urban,male,59,55+,second,1,1,Tigo Pesa,9,26.22,"savings,airtime_purchase,person_to_person",8,5,moderate_burden
Tanzania,2020,rural,female,72,55+,middle,1,0,M-Pesa,0,0.0,none,5,12,moderate_burden
Uganda,2022,urban,female,58,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2018,urban,female,61,55+,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Kenya,2022,rural,male,26,25-34,lowest,1,0,Airtel Money,0,0.0,none,10,11,moderate_burden
Rwanda,2023,urban,male,35,25-34,lowest,1,1,MTN Mobile Money,9,266.19,"bill_payment,cash_withdrawal,loan_repayment,merchant_payment,person_to_person",6,13,moderate_burden
Mozambique,2025,urban,female,54,45-54,fourth,1,1,M-Pesa,19,65.95,"bill_payment,cash_withdrawal,person_to_person,international_remittance,merchant_payment",7,5,moderate_burden
Niger,2023,rural,female,64,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
South Africa,2019,urban,male,42,35-44,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2025,urban,female,68,55+,lowest,1,1,Airtel Money,17,122.64,"loan_repayment,person_to_person,bill_payment,savings",4,3,moderate_burden
Mozambique,2022,rural,female,66,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2019,rural,male,71,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2024,rural,female,54,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2020,urban,female,35,25-34,fourth,1,0,Tigo Pesa,0,0.0,none,5,11,moderate_burden
DRC,2024,rural,male,40,35-44,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2024,rural,male,58,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2024,urban,female,15,15-24,lowest,1,0,M-Pesa,0,0.0,none,8,13,moderate_burden
Niger,2023,urban,female,19,15-24,middle,1,0,Airtel Money,0,0.0,none,9,12,moderate_burden
Ethiopia,2021,rural,male,37,35-44,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2022,urban,male,68,55+,middle,1,1,MTN Mobile Money,13,211.66,"person_to_person,international_remittance,loan_repayment,cash_withdrawal",2,7,moderate_burden
Tanzania,2021,urban,female,47,45-54,middle,1,1,M-Pesa,14,24.99,"merchant_payment,airtime_purchase",3,9,moderate_burden
Uganda,2025,rural,female,70,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,3,6,moderate_burden
Mozambique,2021,rural,male,16,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Zambia,2018,rural,male,28,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,6,6,moderate_burden
Zambia,2021,rural,male,61,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2022,rural,male,22,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Rwanda,2025,rural,female,16,15-24,second,1,0,MTN Mobile Money,0,0.0,none,3,2,moderate_burden
Mozambique,2019,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2025,rural,female,50,45-54,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2025,rural,female,28,25-34,highest,1,0,Airtel Money,0,0.0,none,5,11,moderate_burden
Mozambique,2021,urban,female,37,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2018,rural,male,15,15-24,highest,1,0,Wari,0,0.0,none,9,10,moderate_burden
South Africa,2022,urban,female,48,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2020,rural,female,23,15-24,highest,1,0,Airtel Money,0,0.0,none,4,6,moderate_burden
Senegal,2020,urban,male,15,15-24,fourth,1,0,Wari,0,0.0,none,10,7,moderate_burden
Rwanda,2022,rural,male,38,35-44,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2018,rural,female,72,55+,highest,1,1,Airtel Money,9,68.02,"savings,airtime_purchase",4,2,moderate_burden
DRC,2020,rural,female,35,25-34,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2020,urban,female,72,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2022,rural,male,24,15-24,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2024,rural,female,18,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,9,15,moderate_burden
Zambia,2019,urban,male,15,15-24,middle,1,1,MTN Mobile Money,15,67.29,"savings,cash_withdrawal",10,6,moderate_burden
South Africa,2018,rural,male,36,35-44,second,1,1,MTN Mobile Money,5,103.71,"airtime_purchase,savings,cash_withdrawal",3,1,moderate_burden
Niger,2019,rural,male,54,45-54,second,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2022,rural,female,48,45-54,middle,1,1,AirtelTigo Money,6,70.35,"bill_payment,person_to_person,airtime_purchase,loan_repayment",8,2,moderate_burden
Malawi,2019,urban,male,50,45-54,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2018,rural,female,69,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2020,rural,female,39,35-44,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2022,rural,male,62,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Ghana,2025,urban,female,64,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2022,rural,female,59,55+,second,1,1,Wari,13,124.66,"person_to_person,international_remittance,cash_deposit",8,4,moderate_burden
Malawi,2018,urban,female,66,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2025,rural,female,23,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2021,urban,male,72,55+,second,1,1,Airtel Money,13,47.62,"airtime_purchase,savings,international_remittance",2,8,moderate_burden
Senegal,2023,rural,male,23,15-24,middle,1,0,Wave,0,0.0,none,10,15,moderate_burden
Mozambique,2020,rural,female,49,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2024,rural,female,46,45-54,second,1,1,MTN Mobile Money,7,54.6,"airtime_purchase,cash_withdrawal,cash_deposit,loan_repayment,savings",6,11,moderate_burden
Kenya,2023,rural,male,21,15-24,second,1,0,Airtel Money,0,0.0,none,10,7,moderate_burden
Mozambique,2023,urban,female,22,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2025,urban,female,16,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2020,rural,male,73,55+,middle,1,0,MTN Mobile Money,0,0.0,none,3,12,moderate_burden
Tanzania,2022,urban,male,20,15-24,lowest,1,1,M-Pesa,16,105.32,"person_to_person,loan_repayment,bill_payment,airtime_purchase,international_remittance",4,3,moderate_burden
Rwanda,2022,urban,male,53,45-54,middle,1,1,MTN Mobile Money,13,180.79,"loan_repayment,cash_withdrawal,merchant_payment",4,10,moderate_burden
Uganda,2023,rural,male,44,35-44,fourth,1,1,Airtel Money,8,133.64,"cash_deposit,bill_payment,merchant_payment",3,13,moderate_burden
Zambia,2018,urban,male,24,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2022,urban,female,57,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2022,rural,female,59,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2025,urban,female,29,25-34,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2025,rural,female,62,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2023,rural,female,25,15-24,middle,1,0,TNM Mpamba,0,0.0,none,7,3,moderate_burden
DRC,2025,rural,female,65,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2022,rural,female,59,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2018,urban,male,70,55+,highest,1,0,MTN Mobile Money,0,0.0,none,2,5,moderate_burden
Uganda,2023,rural,male,71,55+,middle,1,0,MTN Mobile Money,0,0.0,none,4,3,moderate_burden
Malawi,2018,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Uganda,2024,urban,female,41,35-44,highest,1,0,Airtel Money,0,0.0,none,8,4,moderate_burden
Zambia,2025,rural,female,66,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2021,urban,male,55,45-54,lowest,1,0,e-Mola,0,0.0,none,3,10,moderate_burden
Kenya,2023,rural,male,45,35-44,highest,1,0,Airtel Money,0,0.0,none,2,14,moderate_burden
Senegal,2022,urban,female,67,55+,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2018,urban,female,64,55+,lowest,1,0,M-Pesa,0,0.0,none,4,5,moderate_burden
Kenya,2021,rural,female,45,35-44,fourth,1,0,Airtel Money,0,0.0,none,8,3,moderate_burden
Malawi,2018,urban,female,32,25-34,middle,1,1,Airtel Money,12,87.27,"loan_repayment,merchant_payment,international_remittance",4,2,moderate_burden
Nigeria,2018,rural,female,20,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2022,urban,male,68,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2018,urban,male,42,35-44,second,1,1,OPay,8,148.99,"airtime_purchase,cash_withdrawal,loan_repayment",6,6,moderate_burden
Kenya,2020,urban,male,35,25-34,lowest,1,1,Airtel Money,15,157.81,"bill_payment,international_remittance",7,2,moderate_burden
Ethiopia,2024,urban,female,63,55+,second,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2020,rural,male,61,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2022,rural,female,45,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2021,urban,female,41,35-44,middle,1,0,Airtel Money,0,0.0,none,8,10,moderate_burden
Malawi,2019,rural,female,50,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2024,urban,male,32,25-34,second,1,0,Airtel Money,0,0.0,none,8,6,moderate_burden
Ghana,2024,rural,male,73,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2020,rural,female,55,45-54,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Uganda,2019,rural,male,45,35-44,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2025,rural,male,41,35-44,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2023,urban,male,57,55+,highest,1,1,M-Pesa,9,135.07,"person_to_person,savings,airtime_purchase,cash_deposit,bill_payment",3,2,moderate_burden
Niger,2025,rural,female,15,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2018,rural,male,59,55+,lowest,1,0,Airtel Money,0,0.0,none,4,4,moderate_burden
Ghana,2021,rural,male,32,25-34,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2025,urban,female,34,25-34,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2025,rural,female,17,15-24,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2022,rural,male,40,35-44,lowest,1,1,M-Pesa,6,41.43,"airtime_purchase,bill_payment,international_remittance",3,11,moderate_burden
South Africa,2018,urban,male,57,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2025,rural,female,64,55+,fourth,1,0,MTN Mobile Money,0,0.0,none,6,10,moderate_burden
Zambia,2021,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2021,urban,female,73,55+,middle,1,0,Orange Money,0,0.0,none,6,3,moderate_burden
Kenya,2025,urban,female,55,45-54,lowest,1,1,M-Pesa,12,101.72,"cash_deposit,savings,bill_payment,loan_repayment",6,17,moderate_burden
South Africa,2019,rural,male,65,55+,second,1,0,Vodapay,0,0.0,none,2,9,moderate_burden
Nigeria,2023,rural,male,43,35-44,highest,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2020,urban,male,53,45-54,fourth,1,0,Airtel Money,0,0.0,none,10,4,moderate_burden
Tanzania,2018,rural,female,24,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2024,urban,male,28,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Zambia,2020,rural,male,68,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2021,rural,male,70,55+,second,1,0,Airtel Money,0,0.0,none,6,4,moderate_burden
Mali,2021,rural,male,71,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2025,rural,male,36,35-44,fourth,1,0,Paga,0,0.0,none,9,13,moderate_burden
Zambia,2020,urban,male,52,45-54,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2022,rural,female,71,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2023,rural,male,68,55+,second,1,0,Orange Money,0,0.0,none,9,13,moderate_burden
Senegal,2018,rural,male,22,15-24,lowest,1,0,Wave,0,0.0,none,9,5,moderate_burden
Nigeria,2023,urban,male,36,35-44,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2020,rural,female,42,35-44,highest,1,0,M-Birr,0,0.0,none,2,2,moderate_burden
Ghana,2019,urban,female,19,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2025,rural,female,29,25-34,fourth,1,0,M-Pesa,0,0.0,none,2,7,moderate_burden
Ghana,2023,rural,female,64,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2023,urban,male,26,25-34,highest,1,1,MTN Mobile Money,8,200.72,"cash_withdrawal,airtime_purchase,international_remittance,bill_payment",8,8,moderate_burden
Ethiopia,2025,rural,male,73,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2020,urban,male,20,15-24,fourth,1,1,Airtel Money,13,58.73,"bill_payment,cash_withdrawal,merchant_payment",9,3,moderate_burden
Senegal,2024,rural,female,43,35-44,fourth,1,0,Orange Money,0,0.0,none,9,14,moderate_burden
Senegal,2022,urban,female,49,45-54,second,1,1,Wave,12,54.87,"cash_deposit,cash_withdrawal,international_remittance,airtime_purchase,person_to_person",2,2,moderate_burden
Ghana,2018,urban,female,17,15-24,highest,1,0,AirtelTigo Money,0,0.0,none,10,6,moderate_burden
Malawi,2021,urban,female,35,25-34,second,1,1,Airtel Money,5,189.59,"international_remittance,bill_payment,merchant_payment,cash_withdrawal",3,4,moderate_burden
DRC,2025,urban,female,63,55+,fourth,1,0,Airtel Money,0,0.0,none,7,17,moderate_burden
Mali,2020,rural,male,29,25-34,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2024,urban,male,50,45-54,fourth,1,0,Airtel Money,0,0.0,none,2,3,moderate_burden
Kenya,2023,rural,male,39,35-44,middle,1,0,M-Pesa,0,0.0,none,4,14,moderate_burden
Ghana,2024,rural,female,51,45-54,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2019,rural,female,63,55+,highest,1,1,Orange Money,6,111.91,"international_remittance,savings,cash_deposit",1,4,moderate_burden
Niger,2021,urban,female,53,45-54,highest,1,1,Airtel Money,13,80.4,"person_to_person,airtime_purchase,merchant_payment",8,12,moderate_burden
Kenya,2019,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2021,rural,male,38,35-44,second,1,1,MTN Mobile Money,11,47.35,"airtime_purchase,bill_payment,merchant_payment,savings,loan_repayment",2,3,moderate_burden
Ghana,2024,rural,female,35,25-34,second,1,0,Vodafone Cash,0,0.0,none,3,15,moderate_burden
Senegal,2025,rural,male,62,55+,fourth,1,1,Wave,10,89.82,"international_remittance,loan_repayment",6,9,moderate_burden
Mali,2018,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2022,urban,female,23,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2020,rural,female,74,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2019,rural,female,36,35-44,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Nigeria,2022,rural,female,36,35-44,highest,1,0,OPay,0,0.0,none,6,14,moderate_burden
Ethiopia,2021,rural,male,51,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
Mozambique,2019,rural,male,16,15-24,highest,0,0,none,0,0.0,none,9,0,moderate_burden
Niger,2025,urban,male,47,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2024,rural,male,49,45-54,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2023,rural,male,29,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2020,urban,male,16,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,6,8,moderate_burden
Kenya,2019,urban,female,58,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2019,rural,male,32,25-34,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2024,urban,female,16,15-24,middle,1,0,M-Pesa,0,0.0,none,9,4,moderate_burden
Kenya,2021,rural,female,41,35-44,second,1,0,M-Pesa,0,0.0,none,5,4,moderate_burden
Kenya,2020,rural,male,30,25-34,fourth,1,0,Airtel Money,0,0.0,none,6,5,moderate_burden
Uganda,2019,rural,male,71,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2022,urban,female,46,45-54,second,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2019,rural,male,60,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Zambia,2020,urban,female,67,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2023,urban,male,33,25-34,highest,1,1,MTN Mobile Money,8,191.83,"bill_payment,international_remittance,cash_deposit,loan_repayment",8,10,moderate_burden
Niger,2020,urban,female,52,45-54,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2022,rural,female,26,25-34,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2024,rural,male,25,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2025,rural,female,51,45-54,middle,1,0,Moov Money,0,0.0,none,1,14,moderate_burden
South Africa,2019,rural,male,56,55+,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2021,rural,female,22,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2024,rural,male,53,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ethiopia,2021,rural,female,71,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2024,urban,female,34,25-34,second,1,0,MTN Mobile Money,0,0.0,none,10,1,moderate_burden
DRC,2019,rural,male,21,15-24,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2020,rural,female,19,15-24,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2019,rural,female,68,55+,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2019,rural,female,53,45-54,fourth,1,0,Wari,0,0.0,none,10,8,moderate_burden
Tanzania,2019,urban,male,15,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2025,urban,female,60,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2021,urban,female,52,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2022,rural,female,68,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2022,urban,female,21,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2024,rural,male,38,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2022,rural,male,43,35-44,highest,1,0,Paga,0,0.0,none,8,2,moderate_burden
Mozambique,2025,urban,female,48,45-54,highest,1,1,M-Pesa,17,36.02,"bill_payment,cash_withdrawal,airtime_purchase",8,11,moderate_burden
Uganda,2019,urban,male,36,35-44,middle,1,0,Airtel Money,0,0.0,none,6,6,moderate_burden
Mozambique,2020,rural,female,45,35-44,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Mali,2020,urban,female,41,35-44,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2024,urban,female,74,55+,highest,1,0,Wave,0,0.0,none,5,7,moderate_burden
Tanzania,2025,rural,female,54,45-54,second,1,1,M-Pesa,9,89.95,"person_to_person,savings",4,10,moderate_burden
DRC,2025,rural,female,50,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2025,urban,male,28,25-34,lowest,1,1,e-Mola,6,188.52,"loan_repayment,cash_withdrawal,person_to_person",10,15,moderate_burden
Nigeria,2019,urban,male,62,55+,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2024,rural,male,66,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Nigeria,2021,rural,female,67,55+,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2024,rural,female,37,35-44,middle,1,1,Wari,7,52.0,"merchant_payment,savings",1,1,moderate_burden
Niger,2024,urban,male,20,15-24,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2018,rural,female,59,55+,middle,1,0,TNM Mpamba,0,0.0,none,3,1,moderate_burden
Mali,2019,rural,male,48,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2018,rural,female,52,45-54,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2022,urban,male,44,35-44,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2018,rural,male,34,25-34,second,1,1,M-Pesa,6,56.91,"merchant_payment,cash_deposit",7,7,moderate_burden
Malawi,2023,rural,male,67,55+,lowest,1,1,TNM Mpamba,7,77.09,"merchant_payment,person_to_person,cash_deposit",4,12,moderate_burden
Zambia,2022,rural,female,64,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2022,urban,female,26,25-34,middle,1,0,MTN Mobile Money,0,0.0,none,6,9,moderate_burden
Nigeria,2019,urban,female,62,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2022,rural,male,50,45-54,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2023,rural,male,27,25-34,highest,1,1,telebirr,10,209.31,"cash_withdrawal,person_to_person",7,8,moderate_burden
Ghana,2024,urban,male,73,55+,fourth,1,1,AirtelTigo Money,12,57.67,"cash_withdrawal,loan_repayment",3,13,moderate_burden
DRC,2021,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2025,urban,male,17,15-24,middle,1,1,MTN Mobile Money,12,96.96,"airtime_purchase,savings,international_remittance,cash_deposit,merchant_payment",8,14,moderate_burden
Niger,2025,urban,male,37,35-44,highest,1,0,Airtel Money,0,0.0,none,6,3,moderate_burden
Rwanda,2020,rural,female,52,45-54,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2023,rural,male,54,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Kenya,2020,urban,male,62,55+,second,1,0,M-Pesa,0,0.0,none,6,7,moderate_burden
Mozambique,2025,rural,male,29,25-34,fourth,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2022,rural,female,69,55+,fourth,1,1,MTN Mobile Money,3,46.65,"cash_deposit,bill_payment",9,4,moderate_burden
Malawi,2019,rural,male,33,25-34,highest,1,0,Airtel Money,0,0.0,none,9,2,moderate_burden
Mali,2019,urban,male,49,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2021,rural,female,27,25-34,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2018,urban,female,65,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2019,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2024,rural,male,18,15-24,fourth,1,0,MTN Mobile Money,0,0.0,none,2,11,moderate_burden
Senegal,2018,rural,female,69,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2018,rural,female,66,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2023,rural,male,49,45-54,second,1,0,M-Pesa,0,0.0,none,8,8,moderate_burden
DRC,2022,rural,female,38,35-44,second,0,0,none,0,0.0,none,9,0,moderate_burden
Ghana,2023,rural,male,54,45-54,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2024,rural,female,57,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Niger,2021,rural,female,50,45-54,second,0,0,none,0,0.0,none,8,0,moderate_burden
Mali,2021,urban,female,73,55+,second,1,1,Orange Money,8,29.24,"savings,airtime_purchase,international_remittance",8,3,moderate_burden
Uganda,2018,rural,female,17,15-24,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2024,rural,male,42,35-44,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2018,rural,female,20,15-24,highest,1,1, PalmPay,4,86.18,"international_remittance,cash_withdrawal",7,5,moderate_burden
Mali,2023,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2023,rural,male,53,45-54,middle,1,0,Vodafone Cash,0,0.0,none,4,13,moderate_burden
Ethiopia,2025,urban,female,23,15-24,highest,1,1,M-Birr,10,111.01,"international_remittance,cash_withdrawal,bill_payment",10,7,moderate_burden
Senegal,2025,rural,male,33,25-34,highest,1,1,Wari,12,57.03,"international_remittance,person_to_person,loan_repayment,merchant_payment",8,11,moderate_burden
Tanzania,2018,rural,female,17,15-24,middle,1,1,Tigo Pesa,5,62.18,"international_remittance,cash_withdrawal",10,3,moderate_burden
DRC,2023,rural,female,26,25-34,second,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2022,rural,male,32,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2025,urban,male,58,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2022,rural,female,63,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2021,rural,male,34,25-34,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2018,rural,male,28,25-34,middle,1,1,MTN Mobile Money,11,80.29,"airtime_purchase,person_to_person",2,2,moderate_burden
Malawi,2020,rural,male,50,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Tanzania,2018,rural,female,21,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Kenya,2020,rural,female,58,55+,middle,1,0,M-Pesa,0,0.0,none,7,5,moderate_burden
Mali,2024,urban,male,74,55+,lowest,1,1,Orange Money,16,129.07,"cash_withdrawal,merchant_payment",8,2,moderate_burden
Senegal,2021,rural,female,22,15-24,lowest,1,1,Orange Money,5,82.88,"cash_withdrawal,bill_payment,merchant_payment,international_remittance,airtime_purchase",5,9,moderate_burden
Niger,2025,rural,male,70,55+,second,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2018,rural,male,49,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2020,rural,female,59,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2022,rural,female,67,55+,highest,1,0,Vodafone Cash,0,0.0,none,10,9,moderate_burden
DRC,2020,rural,female,74,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2023,urban,female,17,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2023,urban,female,53,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Mali,2019,urban,female,71,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2023,urban,female,57,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2020,urban,female,39,35-44,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2019,rural,male,57,55+,middle,1,1,Orange Money,4,107.5,"person_to_person,savings",6,3,moderate_burden
Malawi,2022,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2019,urban,male,68,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2020,rural,female,40,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2019,urban,female,24,15-24,middle,1,1,Airtel Money,16,70.22,"international_remittance,loan_repayment,merchant_payment,airtime_purchase",4,1,moderate_burden
Mali,2025,rural,female,51,45-54,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2021,urban,male,72,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2018,rural,male,37,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2024,rural,male,25,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
South Africa,2018,rural,male,37,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2025,urban,female,45,35-44,fourth,1,1,Vodafone Cash,11,138.61,"international_remittance,bill_payment",2,16,moderate_burden
Rwanda,2021,rural,female,66,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2023,urban,female,41,35-44,highest,1,1,Paga,10,72.13,"airtime_purchase,savings",9,12,moderate_burden
Rwanda,2021,rural,female,66,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2022,rural,male,39,35-44,second,1,1,Zamtel Kwacha,10,95.5,"merchant_payment,cash_deposit,person_to_person,bill_payment",9,3,moderate_burden
Ghana,2023,rural,male,15,15-24,fourth,1,1,MTN Mobile Money,6,61.14,"person_to_person,airtime_purchase,merchant_payment,cash_withdrawal,cash_deposit",6,14,moderate_burden
DRC,2025,urban,female,59,55+,fourth,1,1,Airtel Money,15,42.05,"bill_payment,airtime_purchase,merchant_payment,person_to_person",7,14,moderate_burden
Rwanda,2022,urban,male,37,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,3,12,moderate_burden
Ethiopia,2019,urban,female,31,25-34,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2018,rural,female,34,25-34,middle,0,0,none,0,0.0,none,5,0,moderate_burden
South Africa,2018,urban,male,51,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2022,rural,female,66,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2024,rural,female,63,55+,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2022,rural,female,55,45-54,fourth,1,0,FNB eWallet,0,0.0,none,5,5,moderate_burden
DRC,2019,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2020,rural,male,20,15-24,lowest,1,0,Wari,0,0.0,none,9,8,moderate_burden
Kenya,2022,urban,female,61,55+,middle,1,1,Airtel Money,15,119.93,"cash_withdrawal,person_to_person",10,2,moderate_burden
Nigeria,2018,rural,female,48,45-54,second,0,0,none,0,0.0,none,5,0,moderate_burden
Uganda,2023,rural,female,68,55+,fourth,1,0,Airtel Money,0,0.0,none,2,8,moderate_burden
Ghana,2021,rural,male,19,15-24,highest,1,0,MTN Mobile Money,0,0.0,none,8,5,moderate_burden
Kenya,2023,rural,female,38,35-44,lowest,1,0,Airtel Money,0,0.0,none,5,5,moderate_burden
Niger,2023,rural,male,30,25-34,fourth,1,0,Moov Money,0,0.0,none,3,1,moderate_burden
Ethiopia,2024,rural,female,35,25-34,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Kenya,2018,urban,female,32,25-34,middle,1,1,Airtel Money,7,146.61,"airtime_purchase,cash_deposit,person_to_person,merchant_payment,loan_repayment",4,6,moderate_burden
Malawi,2018,rural,male,22,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2023,urban,male,37,35-44,second,1,1,MTN Mobile Money,9,117.6,"loan_repayment,person_to_person,cash_withdrawal,international_remittance,airtime_purchase",4,6,moderate_burden
Senegal,2018,urban,male,37,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2018,rural,male,22,15-24,second,1,0,Airtel Money,0,0.0,none,8,5,moderate_burden
Kenya,2021,rural,female,34,25-34,lowest,1,1,Airtel Money,9,32.08,"cash_withdrawal,loan_repayment,savings,airtime_purchase,international_remittance",4,8,moderate_burden
Ethiopia,2023,rural,male,56,55+,highest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2023,rural,female,62,55+,middle,1,1,Orange Money,7,62.66,"airtime_purchase,cash_withdrawal,bill_payment,international_remittance",9,1,moderate_burden
Senegal,2024,urban,female,48,45-54,fourth,1,1,Wave,13,58.44,"merchant_payment,airtime_purchase",6,13,moderate_burden
Malawi,2019,urban,female,47,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2025,rural,female,66,55+,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2025,rural,female,17,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2025,rural,male,53,45-54,second,0,0,none,0,0.0,none,7,0,moderate_burden
South Africa,2022,rural,female,63,55+,highest,1,1,Vodapay,7,66.83,"airtime_purchase,savings",3,9,moderate_burden
Ethiopia,2019,urban,male,43,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2020,rural,male,33,25-34,second,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2021,rural,female,28,25-34,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2025,urban,female,20,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2025,urban,male,47,45-54,highest,1,0,M-Birr,0,0.0,none,6,10,moderate_burden
Kenya,2024,rural,male,61,55+,lowest,1,0,M-Pesa,0,0.0,none,4,3,moderate_burden
Malawi,2018,urban,male,35,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2018,urban,female,18,15-24,second,1,0,MTN Mobile Money,0,0.0,none,10,10,moderate_burden
Kenya,2019,urban,male,30,25-34,lowest,1,0,Airtel Money,0,0.0,none,9,2,moderate_burden
Mali,2022,urban,female,67,55+,highest,1,0,Moov Money,0,0.0,none,4,11,moderate_burden
South Africa,2022,urban,female,29,25-34,middle,1,1,MTN Mobile Money,13,238.0,"savings,person_to_person",6,11,moderate_burden
Rwanda,2019,rural,male,33,25-34,highest,0,0,none,0,0.0,none,5,0,moderate_burden
Tanzania,2025,urban,female,45,35-44,lowest,1,0,Tigo Pesa,0,0.0,none,8,17,moderate_burden
Mozambique,2021,urban,male,74,55+,highest,1,1,e-Mola,9,85.07,"merchant_payment,loan_repayment,airtime_purchase",3,10,moderate_burden
DRC,2020,urban,male,22,15-24,middle,1,0,Orange Money,0,0.0,none,10,12,moderate_burden
Ethiopia,2021,rural,female,57,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2023,rural,female,68,55+,lowest,1,0,M-Pesa,0,0.0,none,2,10,moderate_burden
Malawi,2020,rural,female,59,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2018,urban,male,48,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2025,rural,male,50,45-54,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2022,urban,female,18,15-24,highest,1,0,Wari,0,0.0,none,10,4,moderate_burden
South Africa,2022,rural,female,33,25-34,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Tanzania,2023,urban,female,57,55+,highest,1,1,Airtel Money,8,122.68,"merchant_payment,airtime_purchase",9,3,moderate_burden
South Africa,2023,urban,female,58,55+,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2023,rural,female,62,55+,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
DRC,2025,urban,female,46,45-54,fourth,1,1,Airtel Money,11,37.0,"savings,cash_withdrawal,person_to_person,loan_repayment,bill_payment",6,5,moderate_burden
Uganda,2023,urban,male,58,55+,second,1,0,Airtel Money,0,0.0,none,10,8,moderate_burden
Senegal,2023,rural,female,28,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2024,urban,female,49,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2024,urban,male,33,25-34,second,1,1,MTN Mobile Money,10,38.02,"airtime_purchase,loan_repayment,savings",4,3,moderate_burden
Zambia,2022,urban,female,70,55+,highest,1,0,MTN Mobile Money,0,0.0,none,5,13,moderate_burden
Kenya,2023,urban,male,15,15-24,second,1,0,M-Pesa,0,0.0,none,3,14,moderate_burden
Senegal,2023,urban,female,47,45-54,lowest,1,1,Wave,8,102.48,"bill_payment,person_to_person",7,6,moderate_burden
Kenya,2022,rural,male,57,55+,lowest,1,0,Airtel Money,0,0.0,none,4,3,moderate_burden
Senegal,2021,rural,male,73,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2023,rural,male,68,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2020,urban,female,15,15-24,second,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2021,urban,male,17,15-24,highest,1,1,Airtel Money,8,168.53,"cash_deposit,cash_withdrawal,international_remittance",8,9,moderate_burden
Malawi,2019,urban,female,69,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2024,urban,female,62,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2019,urban,male,18,15-24,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mozambique,2025,rural,male,19,15-24,highest,1,1,e-Mola,6,65.01,"cash_deposit,airtime_purchase",4,8,moderate_burden
Mozambique,2024,rural,female,26,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2020,rural,male,56,55+,second,1,0,MTN Mobile Money,0,0.0,none,2,7,moderate_burden
Uganda,2023,rural,male,28,25-34,fourth,1,0,Airtel Money,0,0.0,none,6,11,moderate_burden
Malawi,2021,urban,male,60,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2023,rural,male,21,15-24,fourth,1,1,Airtel Money,9,75.59,"cash_withdrawal,person_to_person,bill_payment",2,4,moderate_burden
Uganda,2018,rural,female,40,35-44,lowest,1,0,MTN Mobile Money,0,0.0,none,1,5,moderate_burden
Malawi,2025,rural,male,28,25-34,highest,1,0,TNM Mpamba,0,0.0,none,4,5,moderate_burden
Kenya,2024,rural,female,58,55+,highest,1,0,Airtel Money,0,0.0,none,7,11,moderate_burden
Senegal,2024,rural,female,46,45-54,middle,1,1,Wari,6,91.56,"cash_deposit,person_to_person,bill_payment",7,12,moderate_burden
South Africa,2018,rural,female,71,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Kenya,2025,urban,male,23,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2025,urban,female,33,25-34,second,0,0,none,0,0.0,none,3,0,moderate_burden
Nigeria,2025,rural,male,23,15-24,middle,1,0, PalmPay,0,0.0,none,10,1,moderate_burden
Zambia,2022,rural,female,55,45-54,lowest,1,1,Zamtel Kwacha,4,56.08,"cash_withdrawal,bill_payment",7,2,moderate_burden
Senegal,2019,rural,female,64,55+,highest,1,0,Wari,0,0.0,none,10,11,moderate_burden
South Africa,2023,rural,female,35,25-34,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2022,rural,male,67,55+,middle,1,0,Vodafone Cash,0,0.0,none,3,10,moderate_burden
Mozambique,2021,urban,male,27,25-34,lowest,1,0,M-Pesa,0,0.0,none,10,7,moderate_burden
Nigeria,2018,rural,male,57,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2018,rural,male,38,35-44,middle,1,0,Orange Money,0,0.0,none,4,8,moderate_burden
Tanzania,2018,urban,male,15,15-24,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2025,rural,female,29,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,5,9,moderate_burden
Kenya,2023,rural,female,63,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2021,rural,female,61,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2025,rural,male,25,15-24,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2024,urban,male,45,35-44,second,1,1,Tigo Pesa,16,207.68,"cash_deposit,person_to_person,merchant_payment",10,10,moderate_burden
Mozambique,2023,rural,male,72,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2018,urban,male,61,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2024,rural,female,15,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2019,urban,male,54,45-54,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2021,rural,male,43,35-44,lowest,1,0,Airtel Money,0,0.0,none,6,9,moderate_burden
Kenya,2019,urban,male,41,35-44,lowest,1,0,Airtel Money,0,0.0,none,2,1,moderate_burden
Mali,2023,rural,male,54,45-54,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Senegal,2019,rural,female,40,35-44,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2018,urban,female,38,35-44,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2024,rural,male,48,45-54,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2022,rural,male,39,35-44,middle,1,1,Orange Money,9,74.37,"merchant_payment,cash_withdrawal",8,8,moderate_burden
Malawi,2018,rural,female,37,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
South Africa,2025,rural,male,49,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2019,urban,male,33,25-34,highest,1,0,TNM Mpamba,0,0.0,none,3,4,moderate_burden
Senegal,2025,urban,female,43,35-44,middle,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2019,urban,female,33,25-34,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2018,rural,female,64,55+,highest,1,1,AirtelTigo Money,6,109.16,"loan_repayment,cash_withdrawal,bill_payment,merchant_payment,savings",7,6,moderate_burden
Tanzania,2022,urban,female,33,25-34,lowest,1,0,M-Pesa,0,0.0,none,8,14,moderate_burden
Zambia,2024,rural,male,46,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2018,rural,female,25,15-24,second,0,0,none,0,0.0,none,4,0,moderate_burden
Nigeria,2019,rural,female,34,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2024,urban,female,23,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2022,urban,male,66,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2024,rural,female,25,15-24,second,1,1,Vodafone Cash,14,125.79,"bill_payment,airtime_purchase",4,6,moderate_burden
Niger,2025,rural,male,31,25-34,highest,1,0,Moov Money,0,0.0,none,8,2,moderate_burden
Senegal,2022,rural,female,27,25-34,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Rwanda,2023,rural,male,30,25-34,second,0,0,none,0,0.0,none,9,0,moderate_burden
South Africa,2019,rural,female,29,25-34,fourth,1,0,Vodapay,0,0.0,none,10,3,moderate_burden
Mozambique,2021,rural,female,33,25-34,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2019,urban,female,15,15-24,second,1,1,Wari,13,278.06,"bill_payment,international_remittance,loan_repayment,cash_deposit,person_to_person",10,5,moderate_burden
South Africa,2022,rural,male,29,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2019,rural,male,26,25-34,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2019,urban,male,55,45-54,highest,1,1,M-Pesa,5,38.01,"bill_payment,international_remittance",4,3,moderate_burden
Zambia,2018,rural,male,28,25-34,second,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2021,rural,male,68,55+,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2023,rural,male,16,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
Niger,2021,rural,male,20,15-24,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2024,rural,male,58,55+,second,1,0,Airtel Money,0,0.0,none,4,3,moderate_burden
South Africa,2023,rural,male,62,55+,middle,1,0,Vodapay,0,0.0,none,4,9,moderate_burden
Rwanda,2021,rural,female,31,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2022,urban,male,28,25-34,fourth,1,0,M-Pesa,0,0.0,none,5,2,moderate_burden
Uganda,2018,rural,female,68,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Tanzania,2024,rural,female,29,25-34,highest,1,0,Tigo Pesa,0,0.0,none,10,6,moderate_burden
Kenya,2019,rural,male,26,25-34,fourth,1,0,M-Pesa,0,0.0,none,10,1,moderate_burden
Rwanda,2023,urban,female,48,45-54,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Nigeria,2025,urban,male,53,45-54,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Tanzania,2023,urban,female,60,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2019,urban,male,52,45-54,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Mali,2019,rural,female,28,25-34,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2022,urban,female,42,35-44,fourth,1,1,M-Pesa,3,104.08,"international_remittance,loan_repayment,cash_deposit,person_to_person",10,9,moderate_burden
Rwanda,2019,rural,male,35,25-34,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Zambia,2022,rural,male,47,45-54,middle,1,0,MTN Mobile Money,0,0.0,none,7,2,moderate_burden
Mozambique,2020,rural,female,15,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2025,rural,female,36,35-44,fourth,1,0,Orange Money,0,0.0,none,8,10,moderate_burden
Mali,2019,rural,male,40,35-44,lowest,1,0,Moov Money,0,0.0,none,6,8,moderate_burden
Rwanda,2020,urban,female,38,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,8,5,moderate_burden
Tanzania,2018,rural,male,65,55+,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2025,urban,female,40,35-44,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2021,rural,female,34,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Ghana,2023,rural,male,53,45-54,lowest,1,0,AirtelTigo Money,0,0.0,none,8,9,moderate_burden
Uganda,2024,urban,male,16,15-24,fourth,1,1,MTN Mobile Money,16,24.68,"bill_payment,merchant_payment,savings",7,5,moderate_burden
Mali,2024,rural,male,53,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2023,urban,female,45,35-44,second,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2019,urban,female,64,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2022,rural,female,72,55+,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2024,urban,male,20,15-24,second,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2019,rural,female,62,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2018,rural,male,42,35-44,second,1,1,Airtel Money,3,73.15,"bill_payment,merchant_payment,international_remittance",3,8,moderate_burden
Tanzania,2020,rural,male,39,35-44,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2024,rural,female,32,25-34,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2021,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2021,urban,male,61,55+,lowest,1,1,Airtel Money,11,59.89,"cash_withdrawal,savings,international_remittance,bill_payment",3,13,moderate_burden
Mali,2021,rural,male,29,25-34,middle,0,0,none,0,0.0,none,5,0,moderate_burden
Niger,2021,rural,female,24,15-24,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Mozambique,2024,urban,female,24,15-24,fourth,1,1,M-Pesa,14,77.13,"international_remittance,merchant_payment",7,3,moderate_burden
South Africa,2023,rural,female,28,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2024,rural,female,31,25-34,highest,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2018,urban,female,43,35-44,middle,1,0,e-Mola,0,0.0,none,10,3,moderate_burden
Senegal,2021,urban,female,50,45-54,middle,1,1,Orange Money,17,158.82,"bill_payment,merchant_payment,savings,cash_withdrawal",8,3,moderate_burden
Zambia,2020,urban,female,37,35-44,second,1,0,Zamtel Kwacha,0,0.0,none,10,3,moderate_burden
Niger,2018,urban,male,54,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2020,urban,female,34,25-34,middle,1,1,Airtel Money,8,101.17,"person_to_person,cash_deposit,airtime_purchase",10,1,moderate_burden
Rwanda,2018,urban,female,32,25-34,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2018,rural,female,55,45-54,fourth,1,1,Zamtel Kwacha,7,52.57,"person_to_person,international_remittance",10,8,moderate_burden
Mozambique,2018,rural,male,47,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2022,rural,female,25,15-24,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2019,rural,female,53,45-54,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2019,urban,male,33,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2021,urban,male,55,45-54,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2018,rural,female,59,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2020,urban,female,68,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2020,rural,male,52,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2019,rural,male,43,35-44,middle,1,1,M-Pesa,10,113.04,"merchant_payment,person_to_person,savings",3,6,moderate_burden
Uganda,2021,urban,male,58,55+,second,1,0,Airtel Money,0,0.0,none,3,5,moderate_burden
Kenya,2018,rural,female,59,55+,middle,1,0,Airtel Money,0,0.0,none,8,1,moderate_burden
Malawi,2019,rural,female,61,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2025,rural,male,22,15-24,fourth,1,0,Wave,0,0.0,none,9,13,moderate_burden
Mozambique,2024,rural,female,16,15-24,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2022,urban,female,32,25-34,highest,1,1,Airtel Money,15,42.57,"airtime_purchase,bill_payment,merchant_payment",10,3,moderate_burden
Kenya,2023,urban,male,59,55+,highest,1,0,Airtel Money,0,0.0,none,6,5,moderate_burden
Uganda,2021,urban,male,61,55+,lowest,1,0,MTN Mobile Money,0,0.0,none,2,10,moderate_burden
Ghana,2019,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2018,rural,male,48,45-54,second,1,1,MTN Mobile Money,12,66.36,"international_remittance,cash_deposit,loan_repayment,bill_payment",10,10,moderate_burden
Mozambique,2019,urban,male,58,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2022,rural,male,54,45-54,second,0,0,none,0,0.0,none,1,0,moderate_burden
Tanzania,2022,rural,female,41,35-44,fourth,1,0,Airtel Money,0,0.0,none,4,4,moderate_burden
Mozambique,2023,rural,male,26,25-34,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Rwanda,2020,urban,female,62,55+,lowest,1,1,Airtel Money,14,166.53,"cash_withdrawal,savings,international_remittance,person_to_person",6,2,moderate_burden
DRC,2018,rural,female,63,55+,highest,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2023,rural,female,73,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2022,urban,male,31,25-34,lowest,1,1,MTN Mobile Money,12,589.58,"merchant_payment,savings,international_remittance,cash_deposit",10,8,moderate_burden
Kenya,2023,rural,female,41,35-44,middle,1,0,Airtel Money,0,0.0,none,8,15,moderate_burden
Senegal,2018,rural,male,50,45-54,fourth,1,0,Orange Money,0,0.0,none,9,4,moderate_burden
Ghana,2018,urban,male,25,15-24,middle,1,1,MTN Mobile Money,14,112.98,"cash_deposit,merchant_payment,bill_payment",10,4,moderate_burden
Kenya,2018,rural,male,67,55+,lowest,1,1,Airtel Money,9,100.31,"bill_payment,merchant_payment,loan_repayment",3,7,moderate_burden
Niger,2022,urban,male,25,15-24,highest,1,1,Airtel Money,10,343.66,"merchant_payment,international_remittance,loan_repayment,savings,person_to_person",10,2,moderate_burden
Zambia,2018,urban,male,61,55+,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2025,rural,female,16,15-24,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2018,rural,female,32,25-34,middle,1,0,Vodapay,0,0.0,none,7,7,moderate_burden
Ethiopia,2024,urban,female,62,55+,lowest,1,1,telebirr,17,153.87,"merchant_payment,international_remittance,loan_repayment,person_to_person,airtime_purchase",9,15,moderate_burden
Niger,2025,rural,male,22,15-24,middle,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2019,rural,male,17,15-24,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2021,urban,male,44,35-44,middle,1,0,Airtel Money,0,0.0,none,4,12,moderate_burden
Uganda,2023,rural,male,50,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Malawi,2021,rural,female,29,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Mozambique,2019,rural,male,47,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2024,urban,female,54,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2018,rural,female,21,15-24,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2018,rural,female,40,35-44,second,0,0,none,0,0.0,none,8,0,moderate_burden
Nigeria,2020,urban,male,46,45-54,second,0,0,none,0,0.0,none,8,0,moderate_burden
Senegal,2023,urban,female,48,45-54,fourth,1,1,Wave,9,107.2,"cash_deposit,merchant_payment,loan_repayment,savings,cash_withdrawal",6,13,moderate_burden
Mozambique,2020,urban,female,39,35-44,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2018,urban,male,15,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2019,rural,female,32,25-34,middle,1,1,TNM Mpamba,7,43.55,"savings,airtime_purchase,cash_deposit",7,4,moderate_burden
Senegal,2022,urban,male,47,45-54,second,0,0,none,0,0.0,none,9,0,moderate_burden
Zambia,2023,urban,male,18,15-24,second,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2024,urban,female,39,35-44,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Uganda,2023,rural,male,49,45-54,second,1,0,MTN Mobile Money,0,0.0,none,1,2,moderate_burden
Kenya,2022,rural,female,67,55+,lowest,1,0,Airtel Money,0,0.0,none,1,11,moderate_burden
Tanzania,2018,rural,male,70,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2021,rural,female,63,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Malawi,2024,rural,female,65,55+,fourth,1,0,Airtel Money,0,0.0,none,7,12,moderate_burden
Kenya,2018,urban,female,18,15-24,second,1,1,Airtel Money,6,108.72,"cash_withdrawal,merchant_payment,bill_payment,international_remittance",7,10,moderate_burden
DRC,2023,rural,male,60,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Mali,2021,urban,male,19,15-24,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2021,rural,male,38,35-44,middle,1,0,MTN Mobile Money,0,0.0,none,1,13,moderate_burden
Malawi,2022,rural,female,47,45-54,highest,0,0,none,0,0.0,none,3,0,moderate_burden
Ghana,2019,rural,male,21,15-24,middle,1,0,MTN Mobile Money,0,0.0,none,10,6,moderate_burden
Zambia,2025,urban,female,69,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2020,urban,male,40,35-44,middle,1,1,Vodapay,19,84.97,"loan_repayment,cash_deposit,person_to_person,merchant_payment,cash_withdrawal",10,5,moderate_burden
Niger,2025,rural,male,35,25-34,middle,0,0,none,0,0.0,none,1,0,moderate_burden
South Africa,2023,rural,male,53,45-54,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2021,urban,female,36,35-44,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2024,rural,female,65,55+,middle,0,0,none,0,0.0,none,1,0,moderate_burden
Ethiopia,2019,urban,female,44,35-44,lowest,1,0,M-Birr,0,0.0,none,6,4,moderate_burden
Zambia,2022,rural,male,65,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2020,urban,male,34,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2023,rural,female,40,35-44,highest,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2021,rural,female,35,25-34,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Ghana,2019,rural,female,33,25-34,highest,1,0,MTN Mobile Money,0,0.0,none,7,9,moderate_burden
Kenya,2018,rural,male,38,35-44,second,1,1,M-Pesa,5,51.26,"bill_payment,cash_deposit,person_to_person",9,2,moderate_burden
DRC,2020,urban,male,54,45-54,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2024,rural,male,61,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2019,urban,male,38,35-44,middle,1,1,Airtel Money,9,82.73,"airtime_purchase,cash_deposit",10,11,moderate_burden
Tanzania,2020,urban,male,35,25-34,middle,1,0,Tigo Pesa,0,0.0,none,3,11,moderate_burden
Ghana,2018,rural,male,50,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Kenya,2021,rural,male,60,55+,fourth,1,1,Airtel Money,6,137.58,"person_to_person,savings,cash_deposit",9,11,moderate_burden
Mali,2021,rural,female,23,15-24,fourth,1,0,Orange Money,0,0.0,none,10,13,moderate_burden
Ghana,2020,urban,male,45,35-44,second,1,1,AirtelTigo Money,10,85.57,"merchant_payment,bill_payment",5,9,moderate_burden
Uganda,2025,rural,male,28,25-34,second,1,1,MTN Mobile Money,5,152.18,"loan_repayment,merchant_payment,cash_withdrawal,cash_deposit,savings",5,9,moderate_burden
Uganda,2021,rural,female,69,55+,second,0,0,none,0,0.0,none,7,0,moderate_burden
DRC,2018,urban,male,52,45-54,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Rwanda,2023,urban,male,30,25-34,lowest,1,0,MTN Mobile Money,0,0.0,none,10,5,moderate_burden
Ghana,2020,urban,male,51,45-54,fourth,1,1,AirtelTigo Money,12,77.8,"bill_payment,cash_withdrawal",8,8,moderate_burden
Malawi,2022,urban,female,27,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2020,urban,male,29,25-34,middle,1,0,Moov Money,0,0.0,none,10,9,moderate_burden
Mali,2024,rural,female,74,55+,fourth,1,0,Moov Money,0,0.0,none,5,13,moderate_burden
Malawi,2023,rural,female,34,25-34,second,0,0,none,0,0.0,none,3,0,moderate_burden
Kenya,2023,rural,female,70,55+,middle,1,1,M-Pesa,5,71.92,"cash_withdrawal,person_to_person,cash_deposit,merchant_payment,international_remittance",10,12,moderate_burden
Malawi,2024,rural,male,47,45-54,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
DRC,2025,urban,female,62,55+,second,1,0,Orange Money,0,0.0,none,8,8,moderate_burden
South Africa,2019,urban,female,30,25-34,second,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2024,rural,male,37,35-44,fourth,1,1,Airtel Money,8,225.27,"international_remittance,cash_withdrawal,merchant_payment",5,7,moderate_burden
Malawi,2023,urban,female,71,55+,fourth,1,1,Airtel Money,10,369.85,"bill_payment,merchant_payment,international_remittance,person_to_person",2,6,moderate_burden
South Africa,2025,rural,female,45,35-44,highest,1,1,FNB eWallet,6,84.2,"bill_payment,person_to_person,airtime_purchase",5,3,moderate_burden
Senegal,2018,rural,female,57,55+,fourth,1,0,Wari,0,0.0,none,8,7,moderate_burden
DRC,2023,rural,male,48,45-54,middle,1,0,Orange Money,0,0.0,none,10,9,moderate_burden
Ethiopia,2021,rural,female,19,15-24,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Nigeria,2024,rural,male,60,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2024,rural,male,19,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2018,urban,male,19,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2020,rural,female,32,25-34,highest,1,1,M-Birr,9,28.09,"person_to_person,merchant_payment,international_remittance,bill_payment",2,10,moderate_burden
Kenya,2021,urban,female,71,55+,lowest,1,1,M-Pesa,11,25.05,"loan_repayment,cash_withdrawal,person_to_person,bill_payment,merchant_payment",3,4,moderate_burden
Mali,2024,urban,female,73,55+,highest,1,1,Moov Money,10,96.87,"cash_withdrawal,international_remittance",7,10,moderate_burden
Zambia,2025,urban,female,46,45-54,middle,1,1,Zamtel Kwacha,7,28.88,"merchant_payment,cash_withdrawal",6,11,moderate_burden
Rwanda,2024,rural,male,48,45-54,highest,1,0,Airtel Money,0,0.0,none,9,5,moderate_burden
Zambia,2025,rural,male,32,25-34,second,1,0,MTN Mobile Money,0,0.0,none,9,12,moderate_burden
Kenya,2021,rural,female,63,55+,lowest,1,1,M-Pesa,5,127.84,"international_remittance,loan_repayment,merchant_payment",2,13,moderate_burden
Niger,2022,rural,male,49,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2025,rural,female,19,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2018,rural,female,22,15-24,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Uganda,2020,rural,male,23,15-24,lowest,1,0,Airtel Money,0,0.0,none,4,5,moderate_burden
Mozambique,2023,rural,male,74,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2019,rural,female,18,15-24,middle,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2023,rural,male,15,15-24,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2019,urban,female,25,15-24,second,1,0,MTN Mobile Money,0,0.0,none,5,11,moderate_burden
Ethiopia,2020,urban,female,60,55+,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2018,urban,male,43,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2024,urban,male,18,15-24,fourth,0,0,none,0,0.0,none,6,0,moderate_burden
Nigeria,2023,urban,female,54,45-54,middle,1,1,Paga,10,50.83,"person_to_person,bill_payment,cash_withdrawal,loan_repayment",9,6,moderate_burden
Nigeria,2019,rural,male,62,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Senegal,2020,urban,female,28,25-34,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2019,rural,female,29,25-34,highest,1,0,Wari,0,0.0,none,3,10,moderate_burden
Ethiopia,2024,rural,female,15,15-24,middle,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2023,rural,female,55,45-54,middle,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2021,rural,male,16,15-24,highest,1,1,Airtel Money,8,44.58,"merchant_payment,savings,person_to_person",7,8,moderate_burden
Ethiopia,2018,rural,male,23,15-24,second,0,0,none,0,0.0,none,3,0,moderate_burden
South Africa,2021,rural,male,26,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2022,urban,female,25,15-24,middle,1,0,Airtel Money,0,0.0,none,9,10,moderate_burden
Kenya,2025,rural,female,64,55+,highest,1,1,Airtel Money,7,45.99,"cash_withdrawal,person_to_person,savings",10,12,moderate_burden
Zambia,2023,rural,female,65,55+,fourth,0,0,none,0,0.0,none,1,0,moderate_burden
Nigeria,2024,urban,male,56,55+,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2022,rural,male,45,35-44,lowest,1,0,Airtel Money,0,0.0,none,1,6,moderate_burden
Kenya,2024,rural,male,18,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Ethiopia,2020,rural,male,64,55+,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2020,rural,female,51,45-54,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2023,rural,female,61,55+,highest,1,1,MTN Mobile Money,2,41.74,"cash_deposit,merchant_payment,airtime_purchase,loan_repayment",1,12,moderate_burden
DRC,2018,rural,male,32,25-34,middle,1,0,Orange Money,0,0.0,none,2,7,moderate_burden
Tanzania,2025,rural,male,36,35-44,middle,1,0,Tigo Pesa,0,0.0,none,2,15,moderate_burden
Rwanda,2022,rural,female,67,55+,highest,0,0,none,0,0.0,none,7,0,moderate_burden
Malawi,2023,rural,male,63,55+,highest,1,0,Airtel Money,0,0.0,none,8,5,moderate_burden
Mozambique,2018,urban,female,50,45-54,second,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2018,urban,male,54,45-54,fourth,0,0,none,0,0.0,none,9,0,moderate_burden
Ethiopia,2018,rural,female,22,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Mali,2022,rural,female,28,25-34,highest,1,0,Orange Money,0,0.0,none,8,14,moderate_burden
Mali,2025,urban,female,37,35-44,fourth,1,1,Moov Money,18,83.88,"savings,bill_payment",10,13,moderate_burden
Ghana,2018,rural,male,32,25-34,second,1,0,Vodafone Cash,0,0.0,none,9,7,moderate_burden
Zambia,2025,rural,female,19,15-24,middle,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2023,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Malawi,2018,urban,female,59,55+,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2025,urban,male,24,15-24,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2018,rural,female,20,15-24,middle,1,1,Zamtel Kwacha,6,109.06,"cash_withdrawal,cash_deposit,airtime_purchase,bill_payment",3,6,moderate_burden
Rwanda,2023,rural,male,61,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2022,rural,female,49,45-54,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
DRC,2025,rural,female,58,55+,middle,1,1,M-Pesa,6,55.4,"international_remittance,person_to_person,cash_withdrawal",10,16,moderate_burden
Nigeria,2019,rural,male,50,45-54,fourth,1,0,Paga,0,0.0,none,9,8,moderate_burden
Tanzania,2023,rural,female,69,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Uganda,2024,rural,female,17,15-24,second,1,0,MTN Mobile Money,0,0.0,none,7,7,moderate_burden
Senegal,2021,urban,female,41,35-44,highest,1,1,Wari,14,331.83,"cash_deposit,international_remittance,merchant_payment,person_to_person",5,9,moderate_burden
Ghana,2022,rural,male,59,55+,second,1,0,Vodafone Cash,0,0.0,none,3,10,moderate_burden
Ghana,2025,rural,female,61,55+,middle,1,0,MTN Mobile Money,0,0.0,none,4,2,moderate_burden
DRC,2019,rural,female,36,35-44,fourth,1,1,M-Pesa,8,65.87,"international_remittance,savings,cash_deposit,person_to_person,loan_repayment",3,10,moderate_burden
Malawi,2021,urban,male,22,15-24,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Niger,2021,rural,female,49,45-54,highest,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2025,rural,female,39,35-44,second,0,0,none,0,0.0,none,5,0,moderate_burden
Malawi,2024,rural,female,49,45-54,fourth,1,1,TNM Mpamba,9,83.63,"savings,airtime_purchase,person_to_person,cash_deposit,cash_withdrawal",2,15,moderate_burden
Nigeria,2024,rural,male,41,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Senegal,2024,rural,female,52,45-54,middle,1,0,Orange Money,0,0.0,none,7,10,moderate_burden
Rwanda,2019,rural,female,34,25-34,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Malawi,2021,urban,female,45,35-44,second,0,0,none,0,0.0,none,4,0,moderate_burden
Malawi,2018,urban,male,26,25-34,middle,1,0,Airtel Money,0,0.0,none,3,10,moderate_burden
Nigeria,2024,urban,female,26,25-34,middle,1,0,OPay,0,0.0,none,10,6,moderate_burden
Niger,2018,rural,female,36,35-44,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Nigeria,2023,urban,male,46,45-54,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Nigeria,2018,rural,male,22,15-24,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Rwanda,2018,urban,male,64,55+,highest,1,1,MTN Mobile Money,8,83.21,"cash_deposit,person_to_person,merchant_payment",9,4,moderate_burden
Kenya,2023,rural,female,48,45-54,middle,1,0,Airtel Money,0,0.0,none,5,4,moderate_burden
Ethiopia,2024,urban,female,52,45-54,second,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2022,rural,male,39,35-44,fourth,1,0,M-Birr,0,0.0,none,10,4,moderate_burden
Mozambique,2024,rural,female,24,15-24,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Ghana,2022,urban,male,18,15-24,second,1,0,Vodafone Cash,0,0.0,none,5,3,moderate_burden
Rwanda,2022,rural,male,33,25-34,highest,1,1,Airtel Money,2,66.56,"cash_withdrawal,cash_deposit,airtime_purchase",9,4,moderate_burden
Zambia,2022,rural,male,49,45-54,lowest,1,1,MTN Mobile Money,8,154.1,"loan_repayment,international_remittance,cash_deposit,airtime_purchase",4,6,moderate_burden
Mali,2023,rural,female,55,45-54,fourth,1,0,Orange Money,0,0.0,none,10,5,moderate_burden
Niger,2021,urban,male,45,35-44,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Mozambique,2023,urban,female,50,45-54,middle,1,1,e-Mola,9,132.49,"international_remittance,bill_payment,cash_deposit,person_to_person",9,6,moderate_burden
Malawi,2023,urban,male,64,55+,second,1,0,Airtel Money,0,0.0,none,10,12,moderate_burden
Nigeria,2020,urban,female,28,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2024,rural,female,55,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Uganda,2018,rural,female,28,25-34,second,0,0,none,0,0.0,none,8,0,moderate_burden
Tanzania,2020,urban,female,36,35-44,fourth,1,0,M-Pesa,0,0.0,none,2,5,moderate_burden
Rwanda,2024,urban,female,66,55+,second,1,1,Airtel Money,11,40.7,"merchant_payment,bill_payment,loan_repayment",10,13,moderate_burden
Senegal,2025,urban,female,73,55+,lowest,1,0,Wari,0,0.0,none,2,16,moderate_burden
DRC,2020,urban,female,54,45-54,fourth,1,0,M-Pesa,0,0.0,none,8,2,moderate_burden
Nigeria,2019,rural,female,27,25-34,second,0,0,none,0,0.0,none,2,0,moderate_burden
DRC,2024,rural,female,49,45-54,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Niger,2024,rural,male,20,15-24,fourth,0,0,none,0,0.0,none,10,0,moderate_burden
Niger,2020,urban,male,54,45-54,fourth,0,0,none,0,0.0,none,4,0,moderate_burden
Mozambique,2018,urban,female,42,35-44,highest,1,1,M-Pesa,15,360.37,"cash_deposit,loan_repayment,savings",10,3,moderate_burden
Ghana,2025,rural,male,68,55+,lowest,0,0,none,0,0.0,none,8,0,moderate_burden
Uganda,2023,urban,female,65,55+,fourth,1,0,Airtel Money,0,0.0,none,2,8,moderate_burden
Senegal,2019,urban,female,23,15-24,second,0,0,none,0,0.0,none,5,0,moderate_burden
Senegal,2018,urban,female,73,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2023,rural,female,74,55+,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Ethiopia,2019,urban,female,23,15-24,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2018,rural,male,51,45-54,middle,1,1,M-Pesa,7,121.37,"merchant_payment,person_to_person,savings,loan_repayment,cash_deposit",6,8,moderate_burden
Tanzania,2019,urban,female,67,55+,lowest,1,1,Tigo Pesa,11,72.74,"savings,bill_payment,cash_withdrawal",2,4,moderate_burden
Niger,2018,urban,female,62,55+,lowest,0,0,none,0,0.0,none,7,0,moderate_burden
Ghana,2018,urban,male,68,55+,second,1,0,Vodafone Cash,0,0.0,none,7,8,moderate_burden
Ethiopia,2018,rural,female,58,55+,middle,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2022,rural,male,66,55+,highest,1,0,TNM Mpamba,0,0.0,none,6,6,moderate_burden
Tanzania,2018,urban,male,28,25-34,fourth,1,0,Airtel Money,0,0.0,none,10,9,moderate_burden
Rwanda,2022,rural,male,51,45-54,second,0,0,none,0,0.0,none,3,0,moderate_burden
DRC,2021,urban,male,65,55+,highest,1,1,Airtel Money,13,33.91,"loan_repayment,cash_withdrawal,merchant_payment",3,7,moderate_burden
Tanzania,2019,urban,female,57,55+,middle,0,0,none,0,0.0,none,8,0,moderate_burden
Ghana,2018,urban,female,71,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
DRC,2021,urban,male,70,55+,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2019,urban,male,20,15-24,middle,1,0,M-Pesa,0,0.0,none,10,2,moderate_burden
Senegal,2024,urban,male,38,35-44,second,1,0,Wave,0,0.0,none,5,15,moderate_burden
Ghana,2024,rural,male,67,55+,lowest,1,1,Vodafone Cash,7,59.44,"person_to_person,international_remittance",3,2,moderate_burden
Senegal,2022,urban,male,43,35-44,highest,1,0,Orange Money,0,0.0,none,10,5,moderate_burden
Ethiopia,2023,urban,male,71,55+,second,1,0,telebirr,0,0.0,none,2,12,moderate_burden
Uganda,2019,rural,female,60,55+,second,1,1,Airtel Money,8,51.56,"merchant_payment,savings",9,2,moderate_burden
Senegal,2020,urban,male,30,25-34,lowest,0,0,none,0,0.0,none,5,0,moderate_burden
DRC,2024,urban,female,67,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Ghana,2023,rural,female,54,45-54,middle,1,1,MTN Mobile Money,1,47.98,"savings,international_remittance",6,6,moderate_burden
Mozambique,2024,rural,female,58,55+,second,0,0,none,0,0.0,none,4,0,moderate_burden
Senegal,2025,rural,female,54,45-54,middle,0,0,none,0,0.0,none,6,0,moderate_burden
Niger,2025,rural,male,48,45-54,second,0,0,none,0,0.0,none,1,0,moderate_burden
Malawi,2018,rural,male,69,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
South Africa,2023,rural,male,29,25-34,middle,1,1,FNB eWallet,5,85.51,"cash_withdrawal,loan_repayment,airtime_purchase",6,7,moderate_burden
Nigeria,2023,rural,female,61,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2023,rural,male,67,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Mali,2025,urban,female,27,25-34,lowest,1,0,Orange Money,0,0.0,none,7,16,moderate_burden
Niger,2024,urban,male,66,55+,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Malawi,2024,urban,male,34,25-34,lowest,1,1,Airtel Money,12,80.22,"international_remittance,loan_repayment,bill_payment,cash_withdrawal,savings",7,2,moderate_burden
Mali,2022,rural,male,45,35-44,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2020,urban,female,46,45-54,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2021,rural,male,39,35-44,second,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2019,rural,male,73,55+,second,1,1,Moov Money,4,74.45,"airtime_purchase,bill_payment",7,4,moderate_burden
Ethiopia,2018,rural,female,30,25-34,highest,1,1,telebirr,5,108.81,"savings,cash_deposit,international_remittance",8,2,moderate_burden
South Africa,2018,rural,female,27,25-34,second,0,0,none,0,0.0,none,2,0,moderate_burden
Zambia,2020,rural,male,62,55+,highest,1,1,Airtel Money,9,75.07,"international_remittance,airtime_purchase,loan_repayment,cash_deposit",1,6,moderate_burden
Mozambique,2025,rural,male,62,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Kenya,2023,rural,female,34,25-34,second,1,1,M-Pesa,8,233.7,"loan_repayment,person_to_person,cash_withdrawal",2,10,moderate_burden
Mozambique,2018,rural,male,27,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Senegal,2019,urban,female,30,25-34,second,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2020,urban,male,55,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Senegal,2022,urban,female,71,55+,second,1,0,Orange Money,0,0.0,none,2,4,moderate_burden
Rwanda,2022,urban,female,17,15-24,second,1,0,MTN Mobile Money,0,0.0,none,7,12,moderate_burden
Tanzania,2022,rural,male,35,25-34,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Malawi,2024,rural,female,61,55+,middle,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2023,rural,male,46,45-54,highest,1,0,MTN Mobile Money,0,0.0,none,3,5,moderate_burden
Kenya,2021,urban,male,44,35-44,fourth,1,1,Airtel Money,13,141.0,"bill_payment,merchant_payment,airtime_purchase,international_remittance",10,4,moderate_burden
DRC,2020,urban,female,66,55+,second,0,0,none,0,0.0,none,5,0,moderate_burden
Ethiopia,2018,rural,male,33,25-34,lowest,0,0,none,0,0.0,none,9,0,moderate_burden
Rwanda,2019,rural,male,68,55+,highest,0,0,none,0,0.0,none,1,0,moderate_burden
Mali,2023,rural,female,55,45-54,second,0,0,none,0,0.0,none,10,0,moderate_burden
Kenya,2022,rural,female,65,55+,second,1,1,Airtel Money,7,80.62,"cash_deposit,merchant_payment,airtime_purchase,bill_payment,person_to_person",2,6,moderate_burden
Malawi,2025,urban,female,48,45-54,second,1,0,Airtel Money,0,0.0,none,6,15,moderate_burden
South Africa,2022,rural,male,27,25-34,second,0,0,none,0,0.0,none,6,0,moderate_burden
Ghana,2018,rural,female,28,25-34,highest,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2025,rural,male,47,45-54,lowest,1,0,M-Pesa,0,0.0,none,6,8,moderate_burden
Mozambique,2021,urban,female,59,55+,second,0,0,none,0,0.0,none,2,0,moderate_burden
South Africa,2023,rural,male,71,55+,second,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2022,rural,male,52,45-54,fourth,1,0,MTN Mobile Money,0,0.0,none,8,11,moderate_burden
Kenya,2025,urban,female,17,15-24,lowest,1,0,M-Pesa,0,0.0,none,10,1,moderate_burden
Mozambique,2020,rural,male,48,45-54,middle,0,0,none,0,0.0,none,8,0,moderate_burden
South Africa,2023,rural,female,37,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
Tanzania,2023,rural,male,21,15-24,middle,1,0,Tigo Pesa,0,0.0,none,7,6,moderate_burden
Senegal,2023,rural,male,60,55+,lowest,0,0,none,0,0.0,none,4,0,moderate_burden
Ethiopia,2020,rural,male,68,55+,highest,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2023,rural,female,30,25-34,lowest,1,1,Airtel Money,8,179.9,"merchant_payment,cash_deposit,savings,airtime_purchase",10,15,moderate_burden
Kenya,2021,urban,male,22,15-24,highest,1,0,M-Pesa,0,0.0,none,10,11,moderate_burden
Kenya,2019,rural,male,22,15-24,lowest,1,0,Airtel Money,0,0.0,none,2,10,moderate_burden
Kenya,2024,rural,male,58,55+,middle,1,1,Airtel Money,10,36.75,"person_to_person,cash_deposit,merchant_payment",1,7,moderate_burden
Mali,2018,urban,female,24,15-24,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Mozambique,2021,rural,female,32,25-34,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
DRC,2020,urban,male,35,25-34,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Uganda,2021,urban,female,29,25-34,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Mozambique,2019,rural,male,38,35-44,second,1,0,e-Mola,0,0.0,none,7,2,moderate_burden
Tanzania,2025,urban,male,50,45-54,lowest,1,1,M-Pesa,10,219.55,"merchant_payment,loan_repayment,cash_deposit",3,2,moderate_burden
Rwanda,2024,rural,male,22,15-24,second,1,0,Airtel Money,0,0.0,none,9,11,moderate_burden
Niger,2021,rural,female,42,35-44,fourth,0,0,none,0,0.0,none,7,0,moderate_burden
Zambia,2022,rural,male,63,55+,second,0,0,none,0,0.0,none,3,0,moderate_burden
Tanzania,2020,urban,male,39,35-44,middle,1,1,M-Pesa,12,72.91,"person_to_person,airtime_purchase,cash_deposit,cash_withdrawal",8,2,moderate_burden
Ghana,2020,rural,female,49,45-54,fourth,0,0,none,0,0.0,none,2,0,moderate_burden
Ethiopia,2019,urban,female,72,55+,fourth,0,0,none,0,0.0,none,8,0,moderate_burden
Ethiopia,2020,rural,male,51,45-54,highest,0,0,none,0,0.0,none,10,0,moderate_burden
Ethiopia,2023,urban,male,35,25-34,fourth,0,0,none,0,0.0,none,5,0,moderate_burden
Rwanda,2024,rural,male,68,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Rwanda,2022,rural,female,20,15-24,middle,0,0,none,0,0.0,none,3,0,moderate_burden
Zambia,2021,rural,male,35,25-34,lowest,1,0,Zamtel Kwacha,0,0.0,none,5,8,moderate_burden
Senegal,2023,rural,male,31,25-34,lowest,1,1,Wave,14,62.52,"cash_deposit,merchant_payment",10,8,moderate_burden
Rwanda,2025,rural,female,63,55+,lowest,1,1,MTN Mobile Money,6,141.83,"merchant_payment,airtime_purchase",8,17,moderate_burden
Niger,2025,rural,male,50,45-54,lowest,0,0,none,0,0.0,none,1,0,moderate_burden
Mozambique,2023,rural,male,41,35-44,middle,0,0,none,0,0.0,none,7,0,moderate_burden
Mozambique,2024,urban,female,18,15-24,lowest,0,0,none,0,0.0,none,3,0,moderate_burden
Uganda,2023,urban,female,74,55+,middle,1,1,Airtel Money,11,108.35,"airtime_purchase,cash_deposit",10,8,moderate_burden
Rwanda,2020,rural,male,23,15-24,fourth,1,0,Airtel Money,0,0.0,none,3,2,moderate_burden
DRC,2025,urban,male,59,55+,fourth,1,0,Airtel Money,0,0.0,none,7,15,moderate_burden
Ethiopia,2025,urban,male,20,15-24,lowest,1,1,telebirr,15,157.77,"savings,cash_withdrawal,loan_repayment,airtime_purchase",9,13,moderate_burden
Senegal,2022,rural,male,17,15-24,second,1,1,Wari,8,93.75,"merchant_payment,savings,person_to_person,bill_payment,loan_repayment",9,11,moderate_burden
Malawi,2021,urban,male,70,55+,second,1,1,TNM Mpamba,15,85.94,"cash_withdrawal,person_to_person",9,1,moderate_burden
Tanzania,2022,urban,male,71,55+,fourth,1,1,Tigo Pesa,5,36.37,"bill_payment,savings,international_remittance,cash_withdrawal",9,14,moderate_burden
Senegal,2023,rural,male,20,15-24,lowest,1,0,Wave,0,0.0,none,3,13,moderate_burden
Mozambique,2021,urban,male,51,45-54,fourth,1,0,M-Pesa,0,0.0,none,10,11,moderate_burden
Mozambique,2020,rural,female,16,15-24,fourth,1,0,e-Mola,0,0.0,none,10,6,moderate_burden
Nigeria,2024,urban,male,37,35-44,second,0,0,none,0,0.0,none,6,0,moderate_burden
Zambia,2021,rural,male,32,25-34,fourth,1,0,MTN Mobile Money,0,0.0,none,2,7,moderate_burden
DRC,2024,urban,male,66,55+,lowest,0,0,none,0,0.0,none,6,0,moderate_burden
Uganda,2025,urban,male,66,55+,middle,1,1,MTN Mobile Money,10,218.32,"merchant_payment,cash_withdrawal",6,9,moderate_burden
South Africa,2024,rural,male,29,25-34,fourth,1,1,FNB eWallet,6,71.72,"airtime_purchase,savings,cash_withdrawal,loan_repayment,person_to_person",5,6,moderate_burden
Zambia,2024,rural,female,54,45-54,fourth,1,1,MTN Mobile Money,3,54.61,"international_remittance,person_to_person,savings",6,6,moderate_burden
Uganda,2025,rural,female,44,35-44,fourth,1,0,MTN Mobile Money,0,0.0,none,9,12,moderate_burden
Uganda,2023,urban,male,40,35-44,lowest,0,0,none,0,0.0,none,10,0,moderate_burden
Rwanda,2022,rural,female,56,55+,lowest,0,0,none,0,0.0,none,2,0,moderate_burden
Mali,2025,urban,female,22,15-24,fourth,1,1,Orange Money,14,150.86,"bill_payment,loan_repayment,savings,person_to_person",4,8,moderate_burden
Senegal,2022,rural,female,17,15-24,fourth,1,0,Wave,0,0.0,none,5,14,moderate_burden
Uganda,2019,urban,female,15,15-24,second,1,0,MTN Mobile Money,0,0.0,none,7,11,moderate_burden
Senegal,2018,rural,female,43,35-44,highest,1,1,Wari,7,146.8,"savings,airtime_purchase",6,8,moderate_burden
Niger,2018,rural,female,19,15-24,second,0,0,none,0,0.0,none,8,0,moderate_burden