Digital financial services adoption: a retrospective time-to-event analysis approach

Financial Innovation

Table 4 Descriptive statistics for continuous variables

Variable	Observations (n)	Minimum	Mean	Median	Standard deviation	Maximum	Skewness	Kurtosis
Age	1800	29	47.688	44	11.916	79	0.965	3.391
Real GDP growth	1800	− 6.2	7.302	4.8	7.180	16.7	-0.221	1.795

Table 4 presents descriptive statistics for the GDP growth and age. Only Real GDP growth was used as a continuous variable whereas age was binned