Table 1 Mobile money adoption over time

All

100

7.035633

0.2161

0.2767

0.3734

0.4273

0.5536

0.6104

0.6419

Urban

36.8

4.445619

0.3489

0.4366

0.5891

0.7372

0.8323

0.8912

0.9253

Rural

63.2

8.543091

0.1388

0.1837

0.2478

0.3182

0.3913

0.4468

0.4758

Male

45.3

6.55762

0.2586

0.3162

0.4203

0.5246

0.6020

0.6462

0.6719

Female

54.7

7.43212

0.1809

0.2439

0.3344

0.4290

0.5135

0.5807

0.6169

29–36

23.9

7.095349

0.1884

0.2558

0.3465

0.4558

0.5674

0.6372

0.6806

36–65

62.3

6.589993

0.2451

0.3075

0.4162

0.5205

0.5964

0.6500

0.6802

66 + 

13.8

8.951803

0.1331

0.1734

0.2259

0.2826

0.3353

0.3839

0.4001

Primary or less

38.3

9.29026

0.1030

0.1379

0.1858

0.2498

0.3007

0.3646

0.3979

Secondary Education

49.2

6.262751

0.2316

0.3028

0.4249

0.5447

0.6568

0.7168

0.7526

Tertiary

12.5

3.190266

0.5000

0.5973

0.7434

0.8673

0.9204

0.9425

0.9513

 < 200

65.8

7.477423

0.1816

0.2449

0.3277

0.4284

0.5097

0.5757

0.6093

201–500

12.6

5.096916

0.3568

0.4053

0.5374

0.6784

0.7621

0.7930

0.8060

501 + 

21.6

6.822622

0.2391

0.2982

0.4165

0.4859

0.5656

0.6093

0.6451

Formally Employed in Private or Government

19.2

4.062069

0.4000

0.4793

0.6690

0.7793

0.8448

0.9000

0.9103

Informally Employed in Private or Government

7.2

6.747626

0.2661

0.2844

0.3853

0.4684

0.5990

0.6736

0.7300

Unemployed/Student/Stay at Home

43.4

8.167085

0.1631

0.2104

0.2759

0.3569

0.4363

0.4791

0.5066

Self-Employed Formally

2.7

4.756098

0.3659

0.4634

0.5610

0.7317

0.7805

0.8049

0.8049

Self-Employed Informally

27.5

6.129496

0.2254

0.3118

0.4341

0.5659

0.6619

0.7386

0.7667

Time to the nearest mobile money outlet/agent

 Less than 30 min

36.1

4.835131

0.3405

0.4222

0.5609

0.6872

0.7889

0.8413

0.8766

 Between 30 and 60 min

14.8

7.02658

0.1798

0.2697

0.3785

0.4952

0.5555

0.6271

0.6497

 More than 60 min/no infrastructure

49.1

8.654185

0.1357

0.1719

0.2342

0.3077

0.3802

0.4357

0.4662

Financial planning

 Plan or Budget accurately

36.9

6.049624

0.2556

0.3368

0.4571

0.5774

0.6662

0.7143

0.7412

 Niether plan/budget accurate nor inaccurate

17.7

6.912708

0.1975

0.2665

0.3824

0.5080

0.5774

0.6152

0.6560

 Plan or Budget inaccurately

29.1

7.143626

0.2309

0.2824

0.3665

0.4469

0.5292

0.6076

0.6361

 Do not plan/budget

16.2

9.222603

0.1199

0.1404

0.1849

0.2397

0.3151

0.3733

0.4106

Banked

50.8

4.802195

0.3435

0.4300

0.5722

0.6970

0.7805

0.8419

0.8701

Unbanked

49.2

9.339534

0.0847

0.1185

0.1682

0.2405

0.3196

0.3716

0.4064

Sample

1800

1800

1800

1800

1800

1800

1800

1800

1800