Transaction Cost Index (TCI) (doi:10.7910/DVN/ESPXFK)

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Part 1: Document Description
Part 2: Study Description
Part 3: Data Files Description
Part 4: Variable Description
Part 5: Other Study-Related Materials
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Document Description

Citation

Title:

Transaction Cost Index (TCI)

Identification Number:

doi:10.7910/DVN/ESPXFK

Distributor:

Harvard Dataverse

Date of Distribution:

2023-09-20

Version:

4

Bibliographic Citation:

Annan, Francis; Blackmon, William; Giné, Xavier; Mwesigwa, Brian; Zapanta, Arianna, 2023, "Transaction Cost Index (TCI)", https://doi.org/10.7910/DVN/ESPXFK, Harvard Dataverse, V4, UNF:6:TGPatrusOHAg+XS7JDx3CA== [fileUNF]

Study Description

Citation

Title:

Transaction Cost Index (TCI)

Identification Number:

doi:10.7910/DVN/ESPXFK

Authoring Entity:

Annan, Francis (University of California, Berkeley)

Blackmon, William (Innovations for Poverty Action)

Giné, Xavier (World Bank)

Mwesigwa, Brian (Innovations for Poverty Action)

Zapanta, Arianna (Innovations for Poverty Action)

Distributor:

Harvard Dataverse

Access Authority:

Blackmon, William

Depositor:

Hochhalter, Lina

Date of Deposit:

2023-09-20

Holdings Information:

https://doi.org/10.7910/DVN/ESPXFK

Study Scope

Keywords:

Social Sciences, Financial inclusion, Digital financial services, Mobile money, Mobile money agents, Mobile money pricing, Price transparency, Mystery Shopping

Abstract:

Costs are a leading driver of take-up and usage of digital financial services (DFS), yet little work has been done to measure these costs systematically. The Transaction Cost Index (TCI) seeks to fill this gap by systematically measuring the costs of using mobile money. We consider a broad definition of cost, inclusive of official fees and taxes, informal extra fees charged by agents, and non-pecuniary costs such as the opportunity cost of time wasted on failed transactions and exposure to consumer protection risks. Data was collected in two rounds. We conducted two activities: 1) Desk work: we systematically scraped official price lists from leading mobile money providers across 16 countries. We additionally collected information on tax treatment of mobile money transactions and regulations related to mobile money pricing. We additionally measured the ease of accessing providers’ pricing information 2) Fieldwork: to measure costs beyond official fees, in our first year, we tested three approaches to measuring the true cost of making mobile money transactions with agents, including overcharging and non-monetary costs. In our second year, we additionally modified our data collection approach based on lessons learned in the first year of work, focusing on only one approach. This work was conducted in Bangladesh, Tanzania, and Uganda.

Kind of Data:

Survey Data

Methodology and Processing

Sources Statement

Data Access

Other Study Description Materials

File Description--f10916541

File: Fieldwork - 2022.tab

  • Number of cases: 16478

  • No. of variables per record: 191

  • Type of File: text/tab-separated-values

Notes:

UNF:6:hkpCsb/imKB1xKBXRRmKzA==

Transaction Cost Index data from year 1 of fieldwork, including four methods: Enumerator mystery shopping, Consumer intercept survey, Local consumer mystery shopping, and Remote local consumer mystery shopping

File Description--f10916536

File: Fieldwork - 2023.tab

  • Number of cases: 4648

  • No. of variables per record: 88

  • Type of File: text/tab-separated-values

Notes:

UNF:6:T/F+epAQT+VdKo8HGYV5sw==

Transaction Cost Index data from year 2 of fieldwork, Local consumer mystery shopping

Variable Description

List of Variables:

  • country - Country
  • method - Method of data collection
  • intercept_type - Type of consumer intercept survey
  • urban - Urban or rural data collection
  • starttime - Date/time the survey was started
  • endtime - Date/time the survey ended
  • enum_assisted - Mystery shopping visit conducted with assistance from enumerator physically pres
  • enum_id - Enumerator ID
  • enum_female - Gender of the enumerator
  • ca_id - Catchment area ID
  • agent_id - Agent ID
  • location_type - Type of agent location
  • agent_female - Agent gender
  • wait_survey - Enum: Enter the number of minutes you had to wait before finding this customer t
  • customer_id - Customer ID
  • customer_female - Customer gender
  • customer_age - Customer age in years
  • customer_education - Customer level of education
  • customer_ethnicity - What is your ethnicity/tribe?
  • customer_ethnicity_oth - Other ethnicity/tribe
  • visit_type - I saw that you just left this shop/kiosk. Were you conducting any of the followi
  • visit_type_other - Other visit type
  • dist_home - How far away is the place that you stay currently? If you were to go home now, h
  • mm_account - Do you have a mobile money account?
  • mm_account_yrs - How long have you had a mobile money account? [Number of years]
  • mm_wagepayments - Have you received any money transfer into your mobile money account from an empl
  • customer_home - Is your home in this [administrative area] or do you permanently work here?
  • customer_home_cont - Do you expect to continue living in or visiting this [administrative area] in th
  • customer_agent_count - Besides this agent how many agents within this location  do you use frequently?
  • customer_provider_acct - Do you have a [provider assigned to this agent] account?
  • customer_providers_yn - Do you have an account with another provider?
  • customer_oth_providers - Which providers do you have accounts with?
  • customer_phone - Do you own a smartphone?
  • customer_whatsapp - Are you on WhatsApp?
  • customer_test_pass - Did the customer pass the digital literacy test?
  • customer_phone_function - Does the shopper appear to have a well-functioning phone? Estimate if the phone
  • network_coverage - What network coverage does your phone currently display?
  • transaction_type - Type of transaction attempted
  • transaction_type__2 - Type of transaction attempted
  • transaction_value - Value of the transaction attempted
  • transaction_value__2 - Value of the transaction attempted
  • transaction_value_actual - What is the actual value of the transaction you ended up completing with the age
  • transaction_value_actual__2 - What is the actual value of the transaction you ended up completing with the age
  • transaction_value_actual__3 - What is the actual value of the transaction you ended up completing with the age
  • transaction_value_actual__4 - What is the actual value of the transaction you ended up completing with the age
  • provider - Provider used for transaction
  • provider_oth - Specify other provider used for transaction
  • provider__2 - Provider used for transaction
  • pre_balance - Account balance prior to transaction
  • post_balance - Account balance after transaction
  • agent_present - Was the agent present when you visited?
  • wait_time - How many minutes did you wait before you were served?
  • transaction_time - How many minutes did you spend conducting the transaction with the agent?
  • othcust_n - Besides yourself, how many other customers were at the agent location when you a
  • device - What type of device does the agent use to conduct agent transactions?
  • price_list - Were price lists displayed at the agent location in a way that was visible to cu
  • price_list_official - Which types of price lists did you see?
  • agent_knowname - Do you know the name of the person who served you?
  • agent_usedbefore - Have you ever visited this shop/agent before?
  • agent_freq - In the past 90 days including today, about how many times have you conducted a f
  • merchant_freq - Besides visiting this shop/agent, how often have you interacted with the person
  • agent_interactions - Besides visiting this shop/agent, how often have you interacted with the person
  • mm_pvd_ever - Which providers have you ever used for mobile money?
  • mm_pvd_ever_oth - Other provider ever used
  • mm_pvd_active - Which providers have you used for mobile money within the past 90 days?
  • mm_pvd_active_oth - Other provider used in the last 90 days
  • experience_selfserve - In the past 90 days, which of these mobile money transactions have you done by y
  • experience_agent - In the past 90 days, which of these mobile money transactions have you done with
  • challenge_agent - In the past 90 days, have you experienced a significant problem while using a mo
  • challenge_agent_know_redress - If you experienced a significant problem with a mobile money agent, would you kn
  • challenge_agent_redress - The last time you experienced a significant problem with a mobile money agent, d
  • challenge_agent_redress_oth - Other entity contacted
  • challenge_agent_resolve - Was the problem resolved to your satisfaction?
  • merchant_price - What was the price of the item you purchased?
  • item_pay_yesno - Did you make payments for this item at the time of purchase?
  • merchant_paymode - Which payment method did you use?
  • merchant_paymode_other - Other payment method
  • merchant_fee_yn - Did you pay any additional fee for using this payment method?
  • merchant_fee - How much did you pay in fees?
  • ag_pvd_no - How many agents of [provider] are near the agent you just visited?
  • ag_pvd_no__2 - How many agents of [provider] are near the agent you just visited?
  • ag_pvd_no__3 - How many agents of [provider] are near the agent you just visited?
  • ag_pvd_no__4 - How many agents of [provider] are near the agent you just visited?
  • ag_trans_no - How many agents of [provider] that are near the agent you have just visited do y
  • ag_trans_no__2 - How many agents of [provider] that are near the agent you have just visited do y
  • ag_trans_no__3 - How many agents of [provider] that are near the agent you have just visited do y
  • ag_trans_no__4 - How many agents of [provider] that are near the agent you have just visited do y
  • ag_trans_why - Why do you transact with different agents?
  • ag_trans_why__2 - Why do you transact with different agents?
  • ag_trans_why__3 - Why do you transact with different agents?
  • ag_trans_why__4 - Why do you transact with different agents?
  • ag_trans_why_oth - Other reason for transacting with different agents
  • ag_trans_why_oth__2 - Other reason for transacting with different agents
  • ag_trans_why_oth__3 - Other reason for transacting with different agents
  • ag_trans_why_oth__4 - Other reason for transacting with different agents
  • provider_recipient - Which provider was the money sent to?
  • provider_recipient__2 - Which provider was the money sent to?
  • provider_recipient__3 - Which provider was the money sent to?
  • provider_recipient__4 - Which provider was the money sent to?
  • success - Were you able to complete the assigned transaction?
  • success__2 - Were you able to complete the assigned transaction?
  • success__3 - Were you able to complete the assigned transaction?
  • success__4 - Were you able to complete the assigned transaction?
  • fail_attempt - Did the agent attempt to complete the transaction or decline the transaction bef
  • fail_attempt__2 - Did the agent attempt to complete the transaction or decline the transaction bef
  • fail_attempt__3 - Did the agent attempt to complete the transaction or decline the transaction bef
  • fail_attempt__4 - Did the agent attempt to complete the transaction or decline the transaction bef
  • fail_why - What reason did the agent give for the transaction not succedding?
  • fail_why__2 - What reason did the agent give for the transaction not succedding?
  • fail_why_oth - Other reason for failure
  • fail_alt - What did the agent suggest you do to complete your transaction?
  • fail_alt__2 - WWhat did the agent suggest you do to complete your transaction?
  • fail_alt_oth - Other alternative method for completing the transaction
  • fee_informed - Did the agent tell you how much the fee for the transaction would be?
  • fee_informed__2 - Did the agent tell you how much the fee for the transaction would be?
  • fee_informed__3 - Did the agent tell you how much the fee for the transaction would be?
  • fee_informed__4 - Did the agent tell you how much the fee for the transaction would be?
  • fee_when - Did the agent tell you how much the fee was, and if so when?
  • fee_provider - How much did you pay in fees that was automatically deducted from your account b
  • fee_provider__2 - How much did you pay in fees that was automatically deducted from your account b
  • fee_provider__3 - How much did you pay in fees that was automatically deducted from your account b
  • fee_provider__4 - How much did you pay in fees that was automatically deducted from your account b
  • fee_acct - How much did you pay in fees to the agent from your account?
  • fee_acct__2 - How much did you pay in fees to the agent from your account?
  • fee_acct__3 - How much did you pay in fees to the agent from your account?
  • fee_acct__4 - How much did you pay in fees to the agent from your account?
  • fee_cash - How much of the fee did you pay in cash?
  • fee_cash__2 - How much of the fee did you pay in cash?
  • fee_cash__3 - How much of the fee did you pay in cash?
  • fee_cash__4 - How much of the fee did you pay in cash?
  • fee_official - Official fee based on providers' price lists, inclusive of taxes. Note that this
  • fee_official__2 - Official fee based on providers' price lists, inclusive of taxes. Note that this
  • fee_official__3 - Official fee based on providers' price lists, inclusive of taxes. Note that this
  • fee_official__4 - Official fee based on providers' price lists, inclusive of taxes. Note that this
  • fee_moddisclose - Did the agent tell you whether you would pay cash or from your account (or both)
  • trans_mode - How was your account-to-account transfer processed?
  • trans_mode__2 - How was your account-to-account transfer processed?
  • trans_mode_oth - Other method for processing account-to-account transfer
  • trans_mode_choice - Did the agent ask you how you would prefer to complete your account-to-account t
  • trans_mode_choice__2 - Did the agent ask you how you would prefer to complete your account-to-account t
  • otc_mode - How was your over-the-counter cash-to-account transfer processed?
  • otc_mode_oth - Other method for processing over-the-counter transfer
  • split - Was the transaction split into more than one transaction?
  • split__2 - Was the transaction split into more than one transaction?
  • split__3 - Was the transaction split into more than one transaction?
  • split__4 - Was the transaction split into more than one transaction?
  • split_num - How many separate transactions were used?
  • split_num__2 - How many separate transactions were used?
  • split_value_r_1_2 - What was the size of the number 2 transaction? (1st part)
  • split_value_r_2_2 - What was the size of the number 2 transaction? (2nd part)
  • receipt - Did you recieve any confirmation message or reciept after the transaction was co
  • receipt__2 - Did you recieve any confirmation message or reciept after the transaction was co
  • receipt__3 - Did you recieve any confirmation message or reciept after the transaction was co
  • receipt__4 - Did you recieve any confirmation message or reciept after the transaction was co
  • receipt_type - What type of confirmation message or reciept did you recieve?
  • receipt_type__2 - What type of confirmation message or reciept did you recieve?
  • receipt_type__3 - What type of confirmation message or reciept did you recieve?
  • receipt_type__4 - What type of confirmation message or reciept did you recieve?
  • receipt_type_oth - What other type of reciept or confirmation message did you recieve?
  • othcust_overhear - Do you think any other customers overheard the size of the transaction or see th
  • pin_hidden - Did the agent advise you to keep your PIN hidden?
  • security - On a scale of 1-10 with 1 being the worst and 10 being the best, how secure did
  • security_expl - Please describe what security issues you observed.
  • privacy - On a scale from 1-10, with 1 being the worst and 10 being the best, how well did
  • privacy_expl - Please describe what privacy issues you observed.
  • attitude - On a scale of 1-10, with 1 being the worst and 10 being the best, how would you
  • attitude_expl - Please describe what attitude issues you observed.
  • invasion - Unwelcome invasion of my personal space (e.g., touching, crowding, leaning over)
  • suggestive - Unwelcome sexually suggestive looks or gestures directed at me
  • teasing - Unwelcome sexual teasing, jokes, comments, or questions directed at me
  • rude - Rude, harassing, or unwelcome comments directed at other customers
  • discrimination_gender - Did the agent do or say anything that made you feel discriminated againts becaus
  • discrimination_gender_expl - Please describe why you felt discriminated against because of your gender.
  • discrimination_age - Did the agent do or say anything that made you feel discriminated againts becaus
  • discrimination_age_expl - Please describe why you felt discriminated against because of your age.
  • discrimination_ethnicity - Did the agent do or say anything that made you feel discriminated against becaus
  • discrimination_ethnicity_expl - Please describe why you felt discriminated against because of your ethnicity.
  • save_location_sm - Which of these locations have you used in the past 12 months to save or put away
  • save_location_oth - Other savings location
  • save_location_amt_1 - How much of your savings do you store in Cash?
  • save_location_amt_2 - How much of your savings do you store in Mobile Money account?
  • save_location_amt_3 - How much of your savings do you store in Bank account?
  • save_location_amt_4 - How much of your savings do you store in Savings group?
  • mm_payments - Think of all the payments you've made in the past 12 months, including purchasin
  • cash_advantages - In your opinion, what are the advantages of cash as compared with mobile money?
  • cash_advantages_oth - Other advantage to cash
  • mm_overdrawn - Do you have any outstanding debt or loan so that when money is added to your mob
  • customercount_male - Enumerator: How many male customers did you observe leaving the agent location?
  • customercount_female - Enumerator: How many female customers did you observe leaving the agent location
  • known_agent - Agent is known to the local mystery shopper
  • key - key
  • country - Country
  • method - Method of data collection
  • urban - Urban or rural data collection
  • starttime - Date/time the survey was started
  • endtime - Date/time the survey ended
  • enum_assisted - Mystery shopping visit conducted with assistance from enumerator physically pres
  • enum_id - Enumerator ID
  • enum_female - Gender of the enumerator
  • ca_id - Catchment area ID
  • agent_id - Agent ID
  • agent_gps - GPS cordinate for the agent
  • location_type - Type of agent location
  • agent_female - Agent gender
  • agent_age - Agent age
  • customer_id - Customer ID
  • customer_female - Customer gender
  • customer_age - Customer age in years
  • customer_education - Customer level of educaton
  • mm_account_yrs - How long have you had a mobile money account? [Number of years]
  • mm_wagepayments - Have you received any money transfer into your mobile money account from an empl
  • customer_phone - Do you own a smartphone?
  • network_coverage - What network coverage does your phone currently display?
  • transaction_type - Type of transaction attempted
  • transaction_value - Value of the transaction attempted
  • provider - Provider used for transaction
  • pre_balance - Account balance prior to transaction
  • post_balance - Account balance after transaction
  • agent_present - Was the agent present when you visited?
  • agent_open_when - Do you know when this agent is usually open?
  • agent_open_time - At what time today (current weekday) is this agent usually open?
  • wait_time - How many minutes did you wait before you were served?
  • transaction_time - How many minutes did you spend conducting the transaction with the agent?
  • othcust_n - Besides yourself, how many other customers were at the agent location when you a
  • othcust_n_female - How many of the other customers were female?
  • othcust_n_male - How many of the other customers were male?
  • employees_n - Including the person that served you, how many employees were at the location? M
  • device - What type of device does the agent use to conduct agent transactions?
  • device_oth - Other device type
  • price_list - Were price lists displayed at the agent location in a way that was visible to cu
  • price_list_official - Which types of price lists did you see?
  • agent_knowname - Do you know the name of the person who served you?
  • agent_usedbefore - Have you ever visited this shop/agent before?
  • agent_freq - In the past 90 days including today, about how many times have you conducted a f
  • experience_agent - 3.12 In the past 90 days, which of these types of mobile money transactions have
  • challenge_agent - In the past 90 days, have you experienced a significant problem while using a mo
  • success - Were you able to complete the assigned transaction?
  • fail_attempt - Did the agent attempt to complete the transaction or decline the transaction bef
  • fail_why_asked - Did the agent explain why the transaction failed before you asked?
  • fail_why - What reason did the agent give for the transaction not succedding?
  • fail_why_oth - Other reason for failure
  • fail_alt_asked - Did the agent provide an alternative way to complete the transaction before you
  • fail_alt - What did the agent suggest you do to complete your transaction?
  • fail_alt_oth - Other alternative method for completing the transaction
  • fee - How much in total did you pay to complete the transaction? This includes all fee
  • fee_when - Did the agent tell you how much the fee was, and if so when?
  • fee_moddisclose - Did the agent tell you whether you would pay cash or from your account (or both)
  • fee_mode - How did you pay the fee?
  • fee_provider - How much did you pay in fees that was automatically deducted from your account b
  • fee_acct - How much did you pay in fees to the agent from your account?
  • fee_cash - How much of the fee did you pay in cash?
  • fee_official - Official fee based on providers' price lists, inclusive of taxes. Note that this
  • otc_mode - How was your over-the-counter cash-to-account transfer processed?
  • otc_mode_oth - Other method for processing over-the-counter transfer
  • receipt - Did you recieve any confirmation message or reciept after the transaction was co
  • receipt_type - What type of confirmation message or reciept did you recieve?
  • receipt_type_oth - What other type of reciept or confirmation message did you recieve?
  • othcust_overhear - Do you think any other customers overheard the size of the transaction or see th
  • pin_hidden - Did the agent advise you to keep your PIN hidden?
  • security - On a scale of 1-10 with 1 being the worst and 10 being the best, how secure did
  • security_expl - Please describe what security issues you observed.
  • privacy - On a scale from 1-10, with 1 being the worst and 10 being the best, how well did
  • privacy_expl - Please describe what privacy issues you observed.
  • attitude - On a scale of 1-10, with 1 being the worst and 10 being the best, how would you
  • attitude_expl - Please describe what agent attitude issues you observed.
  • invasion - Did you experience any of the following problems with this agent? Unwelcome inv
  • suggestive - Did you experience any of the following problems with this agent? Unwelcome sex
  • teasing - Did you experience any of the following problems with this agent? Unwelcome sex
  • rude - Did you experience any of the following problems with this agent? Rude, harassi
  • discrimination_gender - Did the agent do or say anything that made you feel discriminated againts becaus
  • discrimination_gender_expl - Please describe why you felt discriminated against because of your gender.
  • discrimination_age - Did the agent do or say anything that made you feel discriminated againts becaus
  • discrimination_age_expl - Please describe why you felt discriminated against because of your age.
  • discrimination_ethnicity - Did the agent do or say anything that made you feel discriminated against becaus
  • discrimination_ethnicity_expl - Please describe why you felt discriminated against because of your ethnicity.
  • cash_advantages - In your opinion, what are the advantages of cash as compared with mobile money?
  • cash_advantages_oth - Other advantage to cash
  • mm_overdrawn - Do you have any outstanding debt or loan so that when money is added to your mob
  • identifying_key - For BD only: bKash-priyo agent & Nagad-regular app with lower fee rate

Variables

Country

f10916541 Location:

Variable Format: character

Notes: UNF:6:gFmgo8QpS/9pNne/fDjTlA==

Method of data collection

f10916541 Location:

Value

Label

Frequency

Text

4.

Remote Consumer Mystery Shopping

3233

2.

Consumer Intercept Survey

2678

1.

Professional mystery shopping visit

6182

3.

Local consumer mystery shopping

4385

Summary Statistics: Max. 4.0; StDev 1.1601203117444094; Mean 2.2833474936278906; Valid 16478.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:5VXcsbdaqwgiifiQitsqVg==

Type of consumer intercept survey

f10916541 Location:

Value

Label

Frequency

Text

3.

Core consumer intercept modules plus local mystery shopping recruitment module

577

2.

Local mystery shopping recruitment module only

269

1.

Core consumer intercept modules only

1832

Summary Statistics: Max. 3.0; StDev 0.8247355442405984; Valid 2678.0; Mean 1.5313666915608684; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:zShcZVGBljk5NtSAyC1reA==

Urban or rural data collection

f10916541 Location:

Value

Label

Frequency

Text

1.

Urban

11920

0.

Rural

4558

Summary Statistics: StDev 0.447336121510226; Mean 0.7233887607719185; Min. 0.0; Valid 16478.0; Max. 1.0

Variable Format: numeric

Notes: UNF:6:t2QXnMRbzwa/18qq8g6t8A==

Date/time the survey was started

f10916541 Location:

Variable Format: character

Notes: UNF:6:HwXvvMHT2unjeeCyYvg1Hg==

Date/time the survey ended

f10916541 Location:

Variable Format: character

Notes: UNF:6:8YLNXBlSrLv1d5cxJK9DkQ==

Mystery shopping visit conducted with assistance from enumerator physically pres

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

4385

0.

No

3233

Summary Statistics: Max. 1.0; Min. 0.0; Valid 7618.0; StDev 0.49428244832633433; Mean 0.5756103964295074

Variable Format: numeric

Notes: UNF:6:vjlb9xZ+MRP5UyVLIsgg8A==

Enumerator ID

f10916541 Location:

Variable Format: character

Notes: UNF:6:Z7aL9UOh+WWwVd+jbz0b9A==

Gender of the enumerator

f10916541 Location:

Value

Label

Frequency

Text

1.

Female

8323

0.

Male

8155

Summary Statistics: Mean 0.5050977060322811; StDev 0.4999891843640676; Valid 16478.0; Max. 1.0; Min. 0.0

Variable Format: numeric

Notes: UNF:6:c/HsIUUaB9fZQG4rtbTH5Q==

Catchment area ID

f10916541 Location:

Variable Format: character

Notes: UNF:6:CGtND59CTlmPkTxq0uGcCw==

Agent ID

f10916541 Location:

Variable Format: character

Notes: UNF:6:9wrQZ5c8iyYuc2QLhFgyDA==

Type of agent location

f10916541 Location:

Value

Label

Frequency

Text

2.

Banking agent

24

3.

Bank branch

2

1.

Mobile money agent

8834

Summary Statistics: Min. 1.0; Max. 3.0; Mean 1.003160270880361; Valid 8860.0; StDev 0.06001797564886305;

Variable Format: numeric

Notes: UNF:6:2JJfkZPDbSec7s4cgwoing==

Agent gender

f10916541 Location:

Value

Label

Frequency

Text

0.

Male

8247

1.

Female

4677

Summary Statistics: Min. 0.0; StDev 0.48056433370245605; Max. 1.0; Valid 12924.0; Mean 0.3618848653667481;

Variable Format: numeric

Notes: UNF:6:8OH1Dyy0ZkwFiGKE2nxwdA==

Enum: Enter the number of minutes you had to wait before finding this customer t

f10916541 Location:

Summary Statistics: Mean 52.973807662236474; Min. 0.0; StDev 46.8559281164429; Valid 2558.0; Max. 480.0

Variable Format: numeric

Notes: UNF:6:GmobV32tbSyH3qRTO1ARMg==

Customer ID

f10916541 Location:

Variable Format: character

Notes: UNF:6:ZDem/n/+8AzqU0xm11GEOg==

Customer gender

f10916541 Location:

Value

Label

Frequency

Text

0.

Male

6084

1.

Female

4212

Summary Statistics: Min. 0.0; Mean 0.40909090909091106; Valid 10296.0; Max. 1.0; StDev 0.49168996131524323;

Variable Format: numeric

Notes: UNF:6:HiBHorOq3qNvLDGvY5QN1A==

Customer age in years

f10916541 Location:

Summary Statistics: Max. 80.0; Valid 10296.0; Min. 18.0; StDev 7.225732195079843; Mean 28.318376068376104

Variable Format: numeric

Notes: UNF:6:lERmKwSV9SKEBUf2ofLLAw==

Customer level of education

f10916541 Location:

Value

Label

Frequency

Text

6.

University (Bachelor's, Master's, PhD, etc.)

1252

4.

Completed secondary education

1711

3.

Some secondary education

565

2.

Completed primary education

848

0.

None

18

5.

Technical/vocational training (post secondary)

713

1.

Some primary education

142

Summary Statistics: Max. 6.0; Valid 5249.0; Mean 4.087254715183846; StDev 1.4611350559622212; Min. 0.0

Variable Format: numeric

Notes: UNF:6:uJS1j1ptwASNgZGCls+QPQ==

What is your ethnicity/tribe?

f10916541 Location:

Summary Statistics: Valid 1565.0; Min. -77.0; Max. 48.0; Mean -8.72651757188461; StDev 40.16200369272278

Variable Format: numeric

Notes: UNF:6:ZNDe4JErZ5daOiioSASdMQ==

Other ethnicity/tribe

f10916541 Location:

Variable Format: character

Notes: UNF:6:tNyAIFGmyC9Fh5l9GmixEA==

I saw that you just left this shop/kiosk. Were you conducting any of the followi

f10916541 Location:

Variable Format: character

Notes: UNF:6:hTnEyQLpia+HtG2v5L+BIA==

Other visit type

f10916541 Location:

Variable Format: character

Notes: UNF:6:5u6iY/yzYlt5RVQKdigJMQ==

How far away is the place that you stay currently? If you were to go home now, h

f10916541 Location:

Value

Label

Frequency

Text

1.

Less than 5 minutes

891

3.

11-20 minutes

1333

4.

21-30 minutes

874

5.

31-60 minutes

346

7.

More than 2 hours

97

6.

More than an hour but less than 2 hours

114

2.

6-10 minutes

1793

Summary Statistics: Valid 5448.0; Max. 7.0; StDev 1.3476574334639708; Min. 1.0; Mean 2.765234948604994

Variable Format: numeric

Notes: UNF:6:sbiDh613z6Lfl3USM7JwHA==

Do you have a mobile money account?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

205

0.

No

26

Summary Statistics: Valid 231.0; Max. 1.0; StDev 0.3167332787775663; Min. 0.0; Mean 0.8874458874458875;

Variable Format: numeric

Notes: UNF:6:Tc6umNQxk6eBJoGbgRi+iw==

How long have you had a mobile money account? [Number of years]

f10916541 Location:

Summary Statistics: Mean 6.1505843071786295; StDev 4.036204163226681; Min. 0.0; Valid 2995.0; Max. 30.0;

Variable Format: numeric

Notes: UNF:6:wdwIYv/AxhRClsRZ5y7MXw==

Have you received any money transfer into your mobile money account from an empl

f10916541 Location:

Value

Label

Frequency

Text

0.

No

3346

3.

Yes, both salary or wages and subsidy from government transfer program.

45

1.

Yes, salary or wages only

968

2.

Yes, subsidy from government transfer program only.

43

Summary Statistics: Min. 0.0; StDev 0.527336288333314; Mean 0.2701044979554776; Max. 3.0; Valid 4402.0

Variable Format: numeric

Notes: UNF:6:qgxmge+OyyE96kacxEx15w==

Is your home in this [administrative area] or do you permanently work here?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

4515

0.

No

2

Summary Statistics: Valid 4517.0; StDev 0.021039812405168737; Max. 1.0; Min. 0.0; Mean 0.9995572282488376

Variable Format: numeric

Notes: UNF:6:dQfAWKRqGE7XyqmLgJP7gA==

Do you expect to continue living in or visiting this [administrative area] in th

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

4511

0.

No

4

Summary Statistics: Max. 1.0; Mean 0.9991140642303433; Valid 4515.0; Min. 0.0; StDev 0.02975478075213969

Variable Format: numeric

Notes: UNF:6:j8cS+SAsanvV3idTAvHUGw==

Besides this agent how many agents within this location  do you use frequently?

f10916541 Location:

Summary Statistics: Max. 3.0; StDev 0.516537854483964; Mean 1.9957936683639648; Valid 4517.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:ZttThX2ffFtcGC/rIu9pIg==

Do you have a [provider assigned to this agent] account?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

11

1.

Yes

2348

Summary Statistics: Max. 1.0; Mean 0.9953370072064434; Min. 0.0; Valid 2359.0; StDev 0.06814115930089092;

Variable Format: numeric

Notes: UNF:6:7JGyNyG8d1r1mnk+yXlC/Q==

Do you have an account with another provider?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

120

1.

Yes

2239

Summary Statistics: Mean 0.9491309877066549; Max. 1.0; Valid 2359.0; Min. 0.0; StDev 0.2197767763787938;

Variable Format: numeric

Notes: UNF:6:RmfPuZ3ZwtbEwGAF7AdOXw==

Which providers do you have accounts with?

f10916541 Location:

Variable Format: character

Notes: UNF:6:r7UoiF+/2bR1Qd3jmPxTIw==

Do you own a smartphone?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

25

1.

Yes

4492

Summary Statistics: StDev 0.07419725974888915; Max. 1.0; Min. 0.0; Mean 0.9944653531104716; Valid 4517.0

Variable Format: numeric

Notes: UNF:6:m7HY3hUU+Q0jiG1xZce8SQ==

Are you on WhatsApp?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

560

0.

No

0

Summary Statistics: Valid 560.0; Mean 1.0; Max. 1.0; Min. 1.0; StDev 0.0;

Variable Format: numeric

Notes: UNF:6:ji1Rk4my46NmGAIMUZe7Ug==

Did the customer pass the digital literacy test?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

560

0.

No

0

Summary Statistics: StDev 0.0; Mean 1.0; Valid 560.0; Max. 1.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:ji1Rk4my46NmGAIMUZe7Ug==

Does the shopper appear to have a well-functioning phone? Estimate if the phone

f10916541 Location:

Value

Label

Frequency

Text

0.

No

0

1.

Yes

198

Summary Statistics: Valid 198.0; Max. 1.0; Min. 1.0; Mean 1.0; StDev 0.0;

Variable Format: numeric

Notes: UNF:6:c8gDRSokJ+lclzu5OrVDfQ==

What network coverage does your phone currently display?

f10916541 Location:

Value

Label

Frequency

Text

3.

2G service

172

2.

Some phone network coverage, but no data (bars only, no 2G/3G/4G)

564

4.

3G service

1386

5.

4G/4G+/LTE/5G service

4033

1.

No service

27

Summary Statistics: StDev 0.9489753379528397; Mean 4.428987382724046; Min. 1.0; Valid 6182.0; Max. 5.0

Variable Format: numeric

Notes: UNF:6:Nw6YDbgY3TkKorOfwQdOqw==

Type of transaction attempted

f10916541 Location:

Value

Label

Frequency

Text

1.

Cash-in

4313

9.

Bill payment

22

6.

Over-the-counter transfer (cash-to-cash)

32

2.

Cash-out

4278

3.

Account-to-account off-network transfer (agent-assisted)

3432

4.

Over-the-counter transfer (cash-to-account)

3717

8.

Account opening

2

7.

Over-the-counter transfer (account-to-cash)

23

10.

Other

3

5.

Account-to-account on-network transfer (agent-assisted)

96

Summary Statistics: Min. 1.0; Valid 15918.0; Max. 10.0; StDev 1.1911070863956472; Mean 2.4569669556476956

Variable Format: numeric

Notes: UNF:6:Ar1cbt2t3korVBGfs+dKIw==

Type of transaction attempted

f10916541 Location:

Value

Label

Frequency

Text

2.

Cash-out

18

5.

Account-to-account on-network transfer (agent-assisted)

5

7.

Over-the-counter transfer (account-to-cash)

1

8.

Account opening

0

6.

Over-the-counter transfer (cash-to-cash)

0

9.

Bill payment

2

10.

Other

0

3.

Account-to-account off-network transfer (agent-assisted)

3

4.

Over-the-counter transfer (cash-to-account)

13

1.

Cash-in

0

Summary Statistics: Mean 3.5; StDev 1.7703520388508651; Max. 9.0; Min. 2.0; Valid 42.0

Variable Format: numeric

Notes: UNF:6:LlJfoxk6cAa1H8cuLoSf5g==

Value of the transaction attempted

f10916541 Location:

Summary Statistics: Valid 15871.0; Mean 15868.3735744445; StDev 47341.01997690565; Min. 0.0; Max. 4000000.0

Variable Format: numeric

Notes: UNF:6:DIlyX4f1t64is9E/hqKDRA==

Value of the transaction attempted

f10916541 Location:

Summary Statistics: StDev 21535.23990686708; Valid 22.0; Mean 9250.681818181816; Min. 0.0; Max. 102000.0

Variable Format: numeric

Notes: UNF:6:KmRpwJSrosurxoNHJqp+cw==

What is the actual value of the transaction you ended up completing with the age

f10916541 Location:

Summary Statistics: Max. 4000000.0; Mean 28236.24257425745; Min. 0.0; StDev 123966.51800657682; Valid 2020.0

Variable Format: numeric

Notes: UNF:6:4WC8NNec4HcflWlFgFyxEw==

What is the actual value of the transaction you ended up completing with the age

f10916541 Location:

Summary Statistics: Max. 102000.0; Min. 18.0; Valid 22.0; StDev 21482.69765481371; Mean 9434.36363636364

Variable Format: numeric

Notes: UNF:6:jUcLZK9+UuT1TClhYyxHWQ==

What is the actual value of the transaction you ended up completing with the age

f10916541 Location:

Summary Statistics: Valid 45.0; StDev 105737.11889933125; Max. 650000.0; Mean 44082.222222222204; Min. 1000.0

Variable Format: numeric

Notes: UNF:6:27ZlikqXliakhqSZ4aBX1A==

What is the actual value of the transaction you ended up completing with the age

f10916541 Location:

Summary Statistics: StDev 28280.922568638623; Max. 50000.0; Valid 3.0; Mean 17362.666666666668; Min. 88.0

Variable Format: numeric

Notes: UNF:6:90K0YGjkIS4JFV4qgPCK5Q==

Provider used for transaction

f10916541 Location:

Variable Format: character

Notes: UNF:6:rSR8gqHROMu0PaOqHTYbcw==

Specify other provider used for transaction

f10916541 Location:

Variable Format: character

Notes: UNF:6:M+bR4NyqVHgMazrD/H7srQ==

Provider used for transaction

f10916541 Location:

Variable Format: character

Notes: UNF:6:BhVoL6GUFed4YIkyIRsf8Q==

Account balance prior to transaction

f10916541 Location:

Summary Statistics: Max. 3.0210132E7; Min. 0.0; StDev 264674.3449828386; Valid 13800.0; Mean 23103.51610207189

Variable Format: numeric

Notes: UNF:6:sMKBFzKehy5M2pyVWC3DUQ==

Account balance after transaction

f10916541 Location:

Summary Statistics: Min. -6389.0; Valid 8985.0; StDev 63880.4498095696; Max. 2353866.0; Mean 17676.56619747755;

Variable Format: numeric

Notes: UNF:6:7wDmMuifA/MB253bSc+ehQ==

Was the agent present when you visited?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

10515

0.

No

3284

Summary Statistics: Mean 0.762011739981158; Max. 1.0; StDev 0.4258673400370157; Min. 0.0; Valid 13799.0

Variable Format: numeric

Notes: UNF:6:/PHZE1HkAngeLMs2dA+tlw==

How many minutes did you wait before you were served?

f10916541 Location:

Summary Statistics: Max. 75.0; Valid 7273.0; Mean 1.710023374123474; StDev 2.39577688399632; Min. 0.0

Variable Format: numeric

Notes: UNF:6:RhWtbKy5ssN33cTIQkq84Q==

How many minutes did you spend conducting the transaction with the agent?

f10916541 Location:

Summary Statistics: Mean 2.3518231587646206; Valid 9681.0; StDev 2.2564803446038035; Min. 0.0; Max. 60.0

Variable Format: numeric

Notes: UNF:6:XyI5HxygcattlcFC2BXSVg==

Besides yourself, how many other customers were at the agent location when you a

f10916541 Location:

Summary Statistics: Valid 9682.0; Mean 0.840632100805641; StDev 1.1862542675273413; Min. 0.0; Max. 30.0;

Variable Format: numeric

Notes: UNF:6:5NfSsbataDQqBMZw3a/cSA==

What type of device does the agent use to conduct agent transactions?

f10916541 Location:

Variable Format: character

Notes: UNF:6:9dPsPhINoD9MfotwvcbKeA==

Were price lists displayed at the agent location in a way that was visible to cu

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

7023

-99.

Don't know

101

0.

No

2558

Summary Statistics: Max. 1.0; Valid 9682.0; Mean -0.30737450939889865; StDev 10.143120305002084; Min. -99.0

Variable Format: numeric

Notes: UNF:6:KOCh0+RDhNs0WjvlQRN0eA==

Which types of price lists did you see?

f10916541 Location:

Variable Format: character

Notes: UNF:6:aG5h5Zq+3zRI7oTiAlBvBg==

Do you know the name of the person who served you?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

1855

0.

No

6115

Summary Statistics: StDev 0.4226093618729707; Min. 0.0; Valid 7970.0; Mean 0.23274780426600322; Max. 1.0

Variable Format: numeric

Notes: UNF:6:tI1+hyJedCGfrr2sGBQBhw==

Have you ever visited this shop/agent before?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

2429

1.

Yes

5843

Summary Statistics: Min. 0.0; StDev 0.4554570483025306; Mean 0.7063588007736933; Valid 8272.0; Max. 1.0;

Variable Format: numeric

Notes: UNF:6:+Ne7JP3PGdW4xsEFoyLZcg==

In the past 90 days including today, about how many times have you conducted a f

f10916541 Location:

Value

Label

Frequency

Text

0.

Never

2026

4.

More than once a month, but less than once a week

2760

3.

3 times (about once a month)

1186

1.

Once (this time)

917

5.

Once a week, but less than once a day

880

6.

Once a day or more

1552

2.

Twice

696

Summary Statistics: Mean 3.0567036038734834; Max. 6.0; StDev 2.0674960631996013; Min. 0.0; Valid 10017.0;

Variable Format: numeric

Notes: UNF:6:KV7F/jh+F2pvDFK7v4YG/w==

Besides visiting this shop/agent, how often have you interacted with the person

f10916541 Location:

Value

Label

Frequency

Text

0.

Never

2376

3.

3 times (about once a month)

544

4.

More than once a month, but less than once a week

843

5.

Once a week, but less than once a day

622

2.

Twice

461

6.

Once a day or more

112

1.

Once (this time)

490

Summary Statistics: Max. 6.0; Valid 5448.0; Mean 1.8718795888399522; Min. 0.0; StDev 1.973319930056417;

Variable Format: numeric

Notes: UNF:6:UeLeR69pvfVlDVVU639+EA==

Besides visiting this shop/agent, how often have you interacted with the person

f10916541 Location:

Value

Label

Frequency

Text

0.

Never

1597

2.

Twice

123

3.

3 times (about once a month)

157

4.

More than once a month, but less than once a week

195

1.

Once (this time)

153

5.

Once a week, but less than once a day

135

6.

Once a day or more

49

Summary Statistics: Mean 1.0871731008717294; StDev 1.7612587107481952; Valid 2409.0; Min. 0.0; Max. 6.0;

Variable Format: numeric

Notes: UNF:6:f4o+1t5ibQD5caanPvTygw==

Which providers have you ever used for mobile money?

f10916541 Location:

Variable Format: character

Notes: UNF:6:U5EMT+qY9i0gKgaYUX4gQQ==

Other provider ever used

f10916541 Location:

Variable Format: character

Notes: UNF:6:/l6Jl+89IBUgRs24EVNmeg==

Which providers have you used for mobile money within the past 90 days?

f10916541 Location:

Variable Format: character

Notes: UNF:6:ui02nfhVb5legRD4wgM/9A==

Other provider used in the last 90 days

f10916541 Location:

Variable Format: character

Notes: UNF:6:lscRQw+iGiJotNc9WoqHeg==

In the past 90 days, which of these mobile money transactions have you done by y

f10916541 Location:

Variable Format: character

Notes: UNF:6:nfDpe2dcLYiqjCGRf2nOiQ==

In the past 90 days, which of these mobile money transactions have you done with

f10916541 Location:

Variable Format: character

Notes: UNF:6:QHL0m+eI8XsKFGVKT7T9Xw==

In the past 90 days, have you experienced a significant problem while using a mo

f10916541 Location:

Value

Label

Frequency

Text

0.

No

4699

1.

Yes

749

Summary Statistics: StDev 0.34438671851557756; Min. 0.0; Mean 0.13748164464023668; Valid 5448.0; Max. 1.0

Variable Format: numeric

Notes: UNF:6:prEyFhGxx3K9fv8HBLqU2w==

If you experienced a significant problem with a mobile money agent, would you kn

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

511

0.

No

238

Summary Statistics: Mean 0.6822429906542055; Min. 0.0; Max. 1.0; Valid 749.0; StDev 0.4659155666085398;

Variable Format: numeric

Notes: UNF:6:B6DX8/fcQVW4cYkpooug9g==

The last time you experienced a significant problem with a mobile money agent, d

f10916541 Location:

Variable Format: character

Notes: UNF:6:YQW40ZrJNKmNmMmwOFFn4A==

Other entity contacted

f10916541 Location:

Variable Format: character

Notes: UNF:6:e/ywvaFtAz1Vdj+YBQf6rQ==

Was the problem resolved to your satisfaction?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

91

1.

Yes

469

Summary Statistics: Valid 560.0; Min. 0.0; StDev 0.36923868879401844; Mean 0.8375000000000002; Max. 1.0

Variable Format: numeric

Notes: UNF:6:Esh8qJdxJXTef15VRaRDvg==

What was the price of the item you purchased?

f10916541 Location:

Summary Statistics: Valid 306.0; Min. 10.0; Max. 250000.0; StDev 19377.184526324632; Mean 5133.366013071887

Variable Format: numeric

Notes: UNF:6:QTM/0OGiIbdR8sPEKc3Z8Q==

Did you make payments for this item at the time of purchase?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

300

0.

No

6

Summary Statistics: StDev 0.13887549490757703; Max. 1.0; Min. 0.0; Mean 0.9803921568627451; Valid 306.0

Variable Format: numeric

Notes: UNF:6:vqwk+1LVAm8O93HEZyxJxA==

Which payment method did you use?

f10916541 Location:

Summary Statistics: StDev 0.11488931224930879; Min. 1.0; Max. 2.0; Valid 300.0; Mean 1.0133333333333334;

Variable Format: numeric

Notes: UNF:6:5ySRycycSdO/oW/vYAZ0Aw==

Other payment method

f10916541 Location:

Summary Statistics: Max. NaN; Min. NaN; Valid 0.0; Mean NaN; StDev NaN

Variable Format: numeric

Notes: UNF:6:5u6iY/yzYlt5RVQKdigJMQ==

Did you pay any additional fee for using this payment method?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

3

1.

Yes

1

Summary Statistics: Max. 1.0; StDev 0.5; Mean 0.25; Valid 4.0; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:/+I/be7O+a4OoBhAxUOUbQ==

How much did you pay in fees?

f10916541 Location:

Summary Statistics: Mean 280.0; Max. 280.0; Valid 1.0; Min. 280.0; StDev 0.0

Variable Format: numeric

Notes: UNF:6:Teekh3l+1aRWngO5P+Ak5w==

How many agents of [provider] are near the agent you just visited?

f10916541 Location:

Summary Statistics: Mean 95.01979719941714; Max. 166000.0; Min. 0.0; StDev 3675.3896486843682; Valid 2071.0

Variable Format: numeric

Notes: UNF:6:Tmn27806Iv7xVye8f+F0/A==

How many agents of [provider] are near the agent you just visited?

f10916541 Location:

Summary Statistics: StDev 2.79958252917508; Max. 10.0; Min. 0.0; Mean 3.1363636363636362; Valid 22.0;

Variable Format: numeric

Notes: UNF:6:XHsT9S8gywHZ52VW4KhO+Q==

How many agents of [provider] are near the agent you just visited?

f10916541 Location:

Summary Statistics: Valid 46.0; Mean 2.956521739130435; StDev 2.780539689733555; Max. 15.0; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:zueP9kheOJk8IAlw/Azogg==

How many agents of [provider] are near the agent you just visited?

f10916541 Location:

Summary Statistics: Max. 3.0; StDev 0.0; Min. 3.0; Mean 3.0; Valid 3.0

Variable Format: numeric

Notes: UNF:6:Wrt0/WCGa59m6084kTdyog==

How many agents of [provider] that are near the agent you have just visited do y

f10916541 Location:

Summary Statistics: StDev 1.2387630736084967; Mean 1.4172852598091201; Max. 8.0; Min. 0.0; Valid 1886.0;

Variable Format: numeric

Notes: UNF:6:DVubmS1EjwPt3xzsSQbl5g==

How many agents of [provider] that are near the agent you have just visited do y

f10916541 Location:

Summary Statistics: Max. 6.0; Min. 0.0; Mean 1.8; StDev 1.8524521444205844; Valid 20.0

Variable Format: numeric

Notes: UNF:6:bUhI8s1zmjD3jDw5URwmxQ==

How many agents of [provider] that are near the agent you have just visited do y

f10916541 Location:

Summary Statistics: StDev 1.2371288554059552; Valid 41.0; Max. 5.0; Mean 1.6585365853658538; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:Hp672cmUCsAURIUVNxgyeg==

How many agents of [provider] that are near the agent you have just visited do y

f10916541 Location:

Summary Statistics: Mean 2.0; Min. 1.0; StDev 1.0; Valid 3.0; Max. 3.0;

Variable Format: numeric

Notes: UNF:6:ppH0gylBQtnlA9UAbkVaIw==

Why do you transact with different agents?

f10916541 Location:

Variable Format: character

Notes: UNF:6:Wng4l9ZlsV0WXZwcVSqZsg==

Why do you transact with different agents?

f10916541 Location:

Variable Format: character

Notes: UNF:6:JMCgpTHq6dPoDcsuUeQo/w==

Why do you transact with different agents?

f10916541 Location:

Variable Format: character

Notes: UNF:6:eTxXnWHvELOk4+uGGV+LOQ==

Why do you transact with different agents?

f10916541 Location:

Variable Format: character

Notes: UNF:6:5cuCaQ9r59sgGPnzxhOKng==

Other reason for transacting with different agents

f10916541 Location:

Variable Format: character

Notes: UNF:6:z/NRvaW5c7l0HjZXCwchtQ==

Other reason for transacting with different agents

f10916541 Location:

Variable Format: character

Notes: UNF:6:5u6iY/yzYlt5RVQKdigJMQ==

Other reason for transacting with different agents

f10916541 Location:

Variable Format: character

Notes: UNF:6:5u6iY/yzYlt5RVQKdigJMQ==

Other reason for transacting with different agents

f10916541 Location:

Variable Format: character

Notes: UNF:6:5u6iY/yzYlt5RVQKdigJMQ==

Which provider was the money sent to?

f10916541 Location:

Variable Format: character

Notes: UNF:6:VWJy4SKXESxAids9BHcV2g==

Which provider was the money sent to?

f10916541 Location:

Variable Format: character

Notes: UNF:6:CynoiDpaJ6kwZaKWadjgEQ==

Which provider was the money sent to?

f10916541 Location:

Variable Format: character

Notes: UNF:6:97DLbquXk8fD6aFYl7/lpA==

Which provider was the money sent to?

f10916541 Location:

Variable Format: character

Notes: UNF:6:T5KT0YrhthxHr20fcRlTlA==

Were you able to complete the assigned transaction?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

1580

1.

Yes

11006

Summary Statistics: StDev 0.33133920361334074; Mean 0.8744636898140796; Max. 1.0; Valid 12586.0; Min. 0.0

Variable Format: numeric

Notes: UNF:6:w3mL5dhJ4M/A7r8yGPPQ9Q==

Were you able to complete the assigned transaction?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

0

1.

Yes

22

Summary Statistics: StDev 0.0; Valid 22.0; Min. 1.0; Mean 1.0; Max. 1.0

Variable Format: numeric

Notes: UNF:6:p+b0nOfrZ0K7H5g+aR11Yw==

Were you able to complete the assigned transaction?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

2

1.

Yes

45

Summary Statistics: Valid 47.0; StDev 0.20402970888857885; Mean 0.9574468085106383; Min. 0.0; Max. 1.0

Variable Format: numeric

Notes: UNF:6:MNsVvnFYS25IdRsPlSrtsw==

Were you able to complete the assigned transaction?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

0

1.

Yes

3

Summary Statistics: Mean 1.0; Valid 3.0; Max. 1.0; StDev 0.0; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:oAoPloIFy02vhFMXlqU1JA==

Did the agent attempt to complete the transaction or decline the transaction bef

f10916541 Location:

Value

Label

Frequency

Text

1.

Tried to complete but the transaction wasn't successful

308

0.

It was rejected

1272

Summary Statistics: Valid 1580.0; Mean 0.19493670886075992; Max. 1.0; StDev 0.3962774004813905; Min. 0.0

Variable Format: numeric

Notes: UNF:6:q6YsC0Arn8LMp551j2Rvqg==

Did the agent attempt to complete the transaction or decline the transaction bef

f10916541 Location:

Value

Label

Frequency

Text

0.

It was rejected

0

1.

Tried to complete but the transaction wasn't successful

0

Summary Statistics: Valid 0.0; StDev NaN; Min. NaN; Max. NaN; Mean NaN;

Variable Format: numeric

Notes: UNF:6:5u6iY/yzYlt5RVQKdigJMQ==

Did the agent attempt to complete the transaction or decline the transaction bef

f10916541 Location:

Value

Label

Frequency

Text

1.

Tried to complete but the transaction wasn't successful

1

0.

It was rejected

1

Summary Statistics: Min. 0.0; Valid 2.0; StDev 0.7071067811865476; Mean 0.5; Max. 1.0;

Variable Format: numeric

Notes: UNF:6:xGyehn7f1A1SsDaY/mehrw==

Did the agent attempt to complete the transaction or decline the transaction bef

f10916541 Location:

Value

Label

Frequency

Text

0.

It was rejected

0

1.

Tried to complete but the transaction wasn't successful

0

Summary Statistics: Max. NaN; StDev NaN; Valid 0.0; Mean NaN; Min. NaN

Variable Format: numeric

Notes: UNF:6:5u6iY/yzYlt5RVQKdigJMQ==

What reason did the agent give for the transaction not succedding?

f10916541 Location:

Value

Label

Frequency

Text

2.

Agent said they do not offer this type of transaction

238

8.

Transaction is too small (for example, because the commissions are too small)

10

6.

Agent does not have enough float/cash to complete the transaction

589

-77.

Other (specify)

92

9.

Primary agent was not at the location and employee is not allowed or does not know how to complete transaction

131

10.

Agent did not know how to complete the transaction

16

5.

Battery issues

12

7.

Transaction is too large (for example, because the agent needs to save float/cash for other customers)

4

4.

Mobile network / internet issues

77

3.

Agent said they do not offer [provider] services

249

0.

No reason given even after asking

79

1.

Agent said off-network transfers are not possible (only applicable for off-network transfer scenarios)

83

Summary Statistics: Valid 1580.0; Max. 10.0; Min. -77.0; Mean -0.2715189873417673; StDev 19.238355555512637

Variable Format: numeric

Notes: UNF:6:aoYWm4xay0ynC0IbIY9Jyg==

What reason did the agent give for the transaction not succedding?

f10916541 Location:

Value

Label

Frequency

Text

3.

Agent said they do not offer services for [PROVIDER]

0

9.

Agent was not at the location and employee is not allowed or does not know how to complete transaction.

0

2.

Agent said they do not provide offer this type of transaction

1

4.

Mobile network / internet issues

1

1.

Agent said this type of transaction is not possible

0

6.

Agent does not have enough float/cash to complete the transaction

0

5.

Battery issues

0

-77.

Other

0

7.

Transaction is too large (for example, because the agent needs to save float/cash for other customers)

0

8.

Transaction is too small (for example, because the commissions are too small)

0

Summary Statistics: Valid 2.0; StDev 1.4142135623730951; Min. 2.0; Max. 4.0; Mean 3.0;

Variable Format: numeric

Notes: UNF:6:b89/2nYfJhJCqm/gEqGWQw==

Other reason for failure

f10916541 Location:

Variable Format: character

Notes: UNF:6:U2jQD5FMKZ1aO2AP2oMILg==

What did the agent suggest you do to complete your transaction?

f10916541 Location:

Variable Format: character

Notes: UNF:6:fWPLHz77gCfaSrJyzAx+1Q==

WWhat did the agent suggest you do to complete your transaction?

f10916541 Location:

Value

Label

Frequency

Text

3.

Come back another time (details were provided about when to come back)

0

4.

Come back another time (no details were provided about when to come back)

0

6.

Suggested I complete a larger transaction

0

1.

Suggested visiting another agent, and specific agent information provided (shop name, directions, etc.)

0

2.

Suggested visiting another agent, but no information about specific agent provided

0

0.

No alternative way to complete transaction was given

2

-77.

Other

0

5.

Suggested I complete a smaller transaction

0

Summary Statistics: Min. 0.0; StDev 0.0; Max. 0.0; Mean 0.0; Valid 2.0;

Variable Format: numeric

Notes: UNF:6:I1fZqtJIrYzispGCx7TqXw==

Other alternative method for completing the transaction

f10916541 Location:

Variable Format: character

Notes: UNF:6:r8t4mFom+m6ci94OAWkZNg==

Did the agent tell you how much the fee for the transaction would be?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

1821

1.

Yes

199

Summary Statistics: StDev 0.2980833146682875; Valid 2020.0; Mean 0.0985148514851483; Max. 1.0; Min. 0.0

Variable Format: numeric

Notes: UNF:6:LhO61nPDJMbisF3SRNCnHg==

Did the agent tell you how much the fee for the transaction would be?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

21

1.

Yes

1

Summary Statistics: Mean 0.04545454545454546; Min. 0.0; Max. 1.0; Valid 22.0; StDev 0.21320071635561047

Variable Format: numeric

Notes: UNF:6:v0pGDNLF1p0qO/A2Srj4IA==

Did the agent tell you how much the fee for the transaction would be?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

11

0.

No

34

Summary Statistics: Max. 1.0; Valid 45.0; Min. 0.0; StDev 0.43461349368017654; Mean 0.24444444444444444;

Variable Format: numeric

Notes: UNF:6:v112DY5xhoh7+1VR2CoDMw==

Did the agent tell you how much the fee for the transaction would be?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

3

1.

Yes

0

Summary Statistics: Min. 0.0; Max. 0.0; Mean 0.0; StDev 0.0; Valid 3.0

Variable Format: numeric

Notes: UNF:6:KDboDjsaEEsLce5lXhwQCw==

Did the agent tell you how much the fee was, and if so when?

f10916541 Location:

Value

Label

Frequency

Text

1.

Agent told me the fee before completing the transaction

375

2.

Agent told me the fee after completing the transaction

88

0.

Agent did not ever state the fee

4642

Summary Statistics: Min. 0.0; Max. 2.0; Mean 0.10793339862879431; StDev 0.36164264555896486; Valid 5105.0

Variable Format: numeric

Notes: UNF:6:asHk9H7q5pP5+OSWAYtT/w==

How much did you pay in fees that was automatically deducted from your account b

f10916541 Location:

Summary Statistics: Min. -99.0; Max. 147200.0; Mean 761.0490503401484; Valid 6730.0; StDev 2371.645387258468

Variable Format: numeric

Notes: UNF:6:GVvT515y2WHGFfY0ACSUwQ==

How much did you pay in fees that was automatically deducted from your account b

f10916541 Location:

Summary Statistics: Mean 114.1363636363636; Min. 0.0; Valid 22.0; StDev 293.1500989586743; Max. 1000.0

Variable Format: numeric

Notes: UNF:6:bVAXO+XtstJoSmre2iiCWg==

How much did you pay in fees that was automatically deducted from your account b

f10916541 Location:

Summary Statistics: StDev 1112.2898689304207; Min. 0.0; Valid 45.0; Mean 644.4444444444446; Max. 5402.0

Variable Format: numeric

Notes: UNF:6:PuhFO+4kjhOL3NMTWOsy2A==

How much did you pay in fees that was automatically deducted from your account b

f10916541 Location:

Summary Statistics: StDev 9.941971239010387; Mean 5.739999771118164; Valid 3.0; Max. 17.219999313354492; Min. 0.0

Variable Format: numeric

Notes: UNF:6:sXrAAFDYYIB1BItLg3WGoA==

How much did you pay in fees to the agent from your account?

f10916541 Location:

Summary Statistics: StDev 718.8521640664106; Max. 20000.0; Valid 2067.0; Min. 0.0; Mean 57.54083212366585;

Variable Format: numeric

Notes: UNF:6:h3Chvk84XonWezXGPXTaUQ==

How much did you pay in fees to the agent from your account?

f10916541 Location:

Summary Statistics: StDev 0.0; Mean 0.0; Valid 22.0; Min. 0.0; Max. 0.0

Variable Format: numeric

Notes: UNF:6:gS9LnTn8a2z0V5glLRf/aA==

How much did you pay in fees to the agent from your account?

f10916541 Location:

Summary Statistics: Mean 0.0; Max. 0.0; StDev 0.0; Valid 5.0; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:Se0TVTAwJm6UIY0vQJpDAg==

How much did you pay in fees to the agent from your account?

f10916541 Location:

Summary Statistics: Valid 3.0; Mean 0.0; StDev 0.0; Max. 0.0; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:KDboDjsaEEsLce5lXhwQCw==

How much of the fee did you pay in cash?

f10916541 Location:

Summary Statistics: Min. 0.0; StDev 4077.7235420724696; Valid 2612.0; Mean 369.64261102604644; Max. 202000.0;

Variable Format: numeric

Notes: UNF:6:l8JJTsiwP2/CzISCvPRKkw==

How much of the fee did you pay in cash?

f10916541 Location:

Summary Statistics: Max. 1020.0; StDev 237.58525469134915; Mean 69.09090909090908; Valid 22.0; Min. 0.0

Variable Format: numeric

Notes: UNF:6:lRH4eV3mMxzXGuwcNjlarA==

How much of the fee did you pay in cash?

f10916541 Location:

Summary Statistics: Mean 1813.3333333333333; Valid 45.0; Max. 75000.0; StDev 11175.4723308763; Min. 0.0

Variable Format: numeric

Notes: UNF:6:alMlNYuhd4ex7vUSVyykOw==

How much of the fee did you pay in cash?

f10916541 Location:

Summary Statistics: Min. 0.0; StDev 0.0; Mean 0.0; Max. 0.0; Valid 3.0

Variable Format: numeric

Notes: UNF:6:KDboDjsaEEsLce5lXhwQCw==

Official fee based on providers' price lists, inclusive of taxes. Note that this

f10916541 Location:

Summary Statistics: Mean 416.85333687231025; StDev 713.7854940234412; Max. 19000.0; Min. 0.0; Valid 15014.0

Variable Format: numeric

Notes: UNF:6:alY1YUVAvS5vzOQUeO9uQg==

Official fee based on providers' price lists, inclusive of taxes. Note that this

f10916541 Location:

Summary Statistics: Max. 985.0; Valid 9.0; Min. 0.0; StDev 456.0666318085077; Mean 303.57999992370605;

Variable Format: numeric

Notes: UNF:6:ZIAgdA6io2jaG30XxCaSWw==

Official fee based on providers' price lists, inclusive of taxes. Note that this

f10916541 Location:

Summary Statistics: Mean 163.33333333333331; Min. 0.0; StDev 400.0833246545858; Max. 980.0; Valid 6.0

Variable Format: numeric

Notes: UNF:6:3ETU6SMLfLa5VuFVDr6xXg==

Official fee based on providers' price lists, inclusive of taxes. Note that this

f10916541 Location:

Summary Statistics: Mean 11.479999542236328; Valid 1.0; Min. 11.479999542236328; Max. 11.479999542236328; StDev 0.0

Variable Format: numeric

Notes: UNF:6:/s1u5lLqgv69o7KuPQ8kIw==

Did the agent tell you whether you would pay cash or from your account (or both)

f10916541 Location:

Value

Label

Frequency

Text

3.

Yes, with cash and from account

81

0.

No

3565

2.

Yes, from account

1182

1.

Yes, with cash

268

Summary Statistics: StDev 0.8973865743535016; Min. 0.0; Valid 5096.0; Mean 0.564167974882264; Max. 3.0

Variable Format: numeric

Notes: UNF:6:8YPdmJ6svVoFDKwhw51/xQ==

How was your account-to-account transfer processed?

f10916541 Location:

Variable Format: character

Notes: UNF:6:YDlCETJABCbsKpDeC59uCA==

How was your account-to-account transfer processed?

f10916541 Location:

Value

Label

Frequency

Text

-77.

Other (specify)

0

1.

Agent explained how to make the transfer. I followed his/her instructions and completed the transfer on my phone myself.

1

4.

Agent processed a cash-out and then sent the money from his/her device

0

3.

Agent prepared the transfer on his/her device, but I authorized the transfer (for example, by entering a PIN).

0

2.

Agent used my phone to complete the transaction him/herself.

0

Summary Statistics: StDev 0.0; Min. 1.0; Mean 1.0; Max. 1.0; Valid 1.0

Variable Format: numeric

Notes: UNF:6:TieDU5MkhkH9QBEHykn4gw==

Other method for processing account-to-account transfer

f10916541 Location:

Variable Format: character

Notes: UNF:6:A4j2wKr0AYh7LggV9kufbQ==

Did the agent ask you how you would prefer to complete your account-to-account t

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes, I was given a choice

899

0.

No, the agent chose the method

874

Summary Statistics: Valid 1773.0; StDev 0.5000913418442712; Mean 0.507050197405525; Max. 1.0; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:ITk1aku6X1AVO7y6woBpFw==

Did the agent ask you how you would prefer to complete your account-to-account t

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes, I was given a choice

1

0.

No, the agent chose the method

0

Summary Statistics: Valid 1.0; Min. 1.0; Max. 1.0; StDev 0.0; Mean 1.0

Variable Format: numeric

Notes: UNF:6:TieDU5MkhkH9QBEHykn4gw==

How was your over-the-counter cash-to-account transfer processed?

f10916541 Location:

Value

Label

Frequency

Text

2.

Agent directly sent the money to the “friend’s” account (for example, as a cash-in or as a transfer from the agent’s account to the “friend’s” account)

1888

-77.

Other

1

1.

Agent deposited (cashed-in) the money into my account and told me to send the money from my account to the “friend’s” account.

113

Summary Statistics: Valid 2002.0; Min. -77.0; Mean 1.9040959040959042; StDev 1.779384753711889; Max. 2.0

Variable Format: numeric

Notes: UNF:6:kP+892YwQAwDeZYs90mH6Q==

Other method for processing over-the-counter transfer

f10916541 Location:

Variable Format: character

Notes: UNF:6:TZTberI9WNgoW9P4Q1DHWg==

Was the transaction split into more than one transaction?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

13

0.

No

5548

Summary Statistics: Min. 0.0; Mean 0.002337709045135782; Valid 5561.0; StDev 0.048297656567689216; Max. 1.0

Variable Format: numeric

Notes: UNF:6:dZTCYmcYM0blaLXP6dUaHw==

Was the transaction split into more than one transaction?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

1

0.

No

20

Summary Statistics: Mean 0.0476190476190476; Valid 21.0; Max. 1.0; Min. 0.0; StDev 0.21821789023599247

Variable Format: numeric

Notes: UNF:6:Gajn6wFDgTPAtDbHuL7AHQ==

Was the transaction split into more than one transaction?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

0

0.

No

45

Summary Statistics: Valid 45.0; StDev 0.0; Min. 0.0; Max. 0.0; Mean 0.0

Variable Format: numeric

Notes: UNF:6:+GFg1GziVSx44SWfyaDwyQ==

Was the transaction split into more than one transaction?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

0

0.

No

3

Summary Statistics: Valid 3.0; Min. 0.0; Max. 0.0; Mean 0.0; StDev 0.0

Variable Format: numeric

Notes: UNF:6:KDboDjsaEEsLce5lXhwQCw==

How many separate transactions were used?

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

0

0.

No

0

Summary Statistics: Mean 2.0; StDev 0.0; Valid 12.0; Max. 2.0; Min. 2.0

Variable Format: numeric

Notes: UNF:6:0opK2NmLETzgXFiMDZXj2Q==

How many separate transactions were used?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

0

1.

Yes

0

Summary Statistics: Mean 2.0; Max. 2.0; Valid 1.0; Min. 2.0; StDev 0.0;

Variable Format: numeric

Notes: UNF:6:uzE1VUK5NeXNWv6a8sOMmg==

What was the size of the number 2 transaction? (1st part)

f10916541 Location:

Summary Statistics: Valid 1.0; Mean 3000.0; StDev 0.0; Min. 3000.0; Max. 3000.0

Variable Format: numeric

Notes: UNF:6:FMVDGYCZhnFNJIHAyvnRIw==

What was the size of the number 2 transaction? (2nd part)

f10916541 Location:

Summary Statistics: Max. 2000.0; StDev 0.0; Mean 2000.0; Valid 1.0; Min. 2000.0

Variable Format: numeric

Notes: UNF:6:8J2hdURXJD1CUWN63kJzwQ==

Did you recieve any confirmation message or reciept after the transaction was co

f10916541 Location:

Value

Label

Frequency

Text

0.

No

2613

1.

Yes

8393

Summary Statistics: Valid 11006.0; Max. 1.0; Mean 0.7625840450663248; StDev 0.425518590492697; Min. 0.0

Variable Format: numeric

Notes: UNF:6:uvdUINTWHGUsA3g7zlhPsw==

Did you recieve any confirmation message or reciept after the transaction was co

f10916541 Location:

Value

Label

Frequency

Text

0.

No

11

1.

Yes

11

Summary Statistics: StDev 0.511766315719159; Max. 1.0; Mean 0.5; Valid 22.0; Min. 0.0

Variable Format: numeric

Notes: UNF:6:yKtAYV4nf796EZtUubq4fA==

Did you recieve any confirmation message or reciept after the transaction was co

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

27

0.

No

18

Summary Statistics: Valid 45.0; StDev 0.4954336943068623; Mean 0.6; Max. 1.0; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:AfC/ZdXC8gpchXiYtylZgQ==

Did you recieve any confirmation message or reciept after the transaction was co

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

1

0.

No

2

Summary Statistics: Min. 0.0; Max. 1.0; Mean 0.33333333333333337; StDev 0.5773502691896258; Valid 3.0

Variable Format: numeric

Notes: UNF:6:RvWD/73I0KCmKZ3zunMEfg==

What type of confirmation message or reciept did you recieve?

f10916541 Location:

Variable Format: character

Notes: UNF:6:392va4VqT1C0ycB55Sgqyw==

What type of confirmation message or reciept did you recieve?

f10916541 Location:

Value

Label

Frequency

Text

3.

Confirmation code or similar read to you by the agent (not written down)

1

-77.

Other

1

2.

Paper receipt from agent

0

1.

Message or notification on my phone

9

Summary Statistics: Mean -5.90909090909091; Min. -77.0; Valid 11.0; Max. 3.0; StDev 23.58582008518909

Variable Format: numeric

Notes: UNF:6:TwVFG4tZQOOPNWol+AxQ1w==

What type of confirmation message or reciept did you recieve?

f10916541 Location:

Value

Label

Frequency

Text

2.

Paper receipt from agent

0

-77.

Other

1

3.

Confirmation code or similar read to you by the agent (not written down)

0

1.

Message or notification on my phone

26

Summary Statistics: Mean -1.8888888888888895; Min. -77.0; Max. 1.0; Valid 27.0; StDev 15.011106998930266

Variable Format: numeric

Notes: UNF:6:dxF5PuLQNm08Bm8bewALLw==

What type of confirmation message or reciept did you recieve?

f10916541 Location:

Value

Label

Frequency

Text

3.

Confirmation code or similar read to you by the agent (not written down)

0

-77.

Other

0

2.

Paper receipt from agent

0

1.

Message or notification on my phone

1

Summary Statistics: Mean 1.0; Max. 1.0; Valid 1.0; Min. 1.0; StDev 0.0;

Variable Format: numeric

Notes: UNF:6:YfMm1FL8lEDEdyAq7QQwog==

What other type of reciept or confirmation message did you recieve?

f10916541 Location:

Variable Format: character

Notes: UNF:6:glRpXn8UdxlxTTgkN6EoJg==

Do you think any other customers overheard the size of the transaction or see th

f10916541 Location:

Value

Label

Frequency

Text

0.

No

7376

1.

Yes

2848

Summary Statistics: Mean 0.2785602503912358; Max. 1.0; StDev 0.4483124974412219; Min. 0.0; Valid 10224.0;

Variable Format: numeric

Notes: UNF:6:99NftARGA/sMG6dJAzSZjQ==

Did the agent advise you to keep your PIN hidden?

f10916541 Location:

Value

Label

Frequency

Text

0.

No

8311

1.

Yes

675

Summary Statistics: StDev 0.2635944608054094; Mean 0.07511684843089092; Min. 0.0; Valid 8986.0; Max. 1.0;

Variable Format: numeric

Notes: UNF:6:IIP3WDFIgX17RCs4hnTciA==

On a scale of 1-10 with 1 being the worst and 10 being the best, how secure did

f10916541 Location:

Value

Label

Frequency

Text

-99.

Don't know

1

7.

Seven

2087

5.

Five

1019

1.

One

30

4.

Four

175

8.

Eight

3057

9.

Nine

2323

10.

Ten

2595

2.

Two

40

3.

Three

63

6.

Six

1305

Summary Statistics: Max. 10.0; Mean 7.857187869239866; StDev 1.9375812288392313; Min. -99.0; Valid 12695.0;

Variable Format: numeric

Notes: UNF:6:50c98P1Bbl/ehGfRCUQy8Q==

Please describe what security issues you observed.

f10916541 Location:

Variable Format: character

Notes: UNF:6:U2cuyIhIMvvTo9IRxQJBew==

On a scale from 1-10, with 1 being the worst and 10 being the best, how well did

f10916541 Location:

Value

Label

Frequency

Text

1.

One

36

3.

Three

83

7.

Seven

1947

9.

Nine

1992

5.

Five

1017

8.

Eight

2775

10.

Ten

1917

2.

Two

48

6.

Six

1178

-99.

Don't know

3

4.

Four

331

Summary Statistics: StDev 2.4714080345936367; Max. 10.0; Valid 11327.0; Min. -99.0; Mean 7.635561048821385;

Variable Format: numeric

Notes: UNF:6:a41S5K+H8NjedwV+w5MxVg==

Please describe what privacy issues you observed.

f10916541 Location:

Variable Format: character

Notes: UNF:6:T8HPny9gK2zPr/IiScimVw==

On a scale of 1-10, with 1 being the worst and 10 being the best, how would you

f10916541 Location:

Value

Label

Frequency

Text

3.

Three

39

10.

Ten

2680

-99.

Don't know

1

1.

One

21

6.

Six

963

4.

Four

138

7.

Seven

1715

9.

Nine

2369

2.

Two

28

5.

Five

802

8.

Eight

3062

Summary Statistics: Max. 10.0; Mean 8.043408360128609; StDev 1.8969100868887938; Valid 11818.0; Min. -99.0;

Variable Format: numeric

Notes: UNF:6:RlgGWiji3epuWcZ/MA3XSA==

Please describe what attitude issues you observed.

f10916541 Location:

Variable Format: character

Notes: UNF:6:Xbj/tf2dY/STJDwbrw6ekw==

Unwelcome invasion of my personal space (e.g., touching, crowding, leaning over)

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

75

0.

No

9607

Summary Statistics: StDev 0.08767623213340589; Min. 0.0; Max. 1.0; Mean 0.007746333402190307; Valid 9682.0;

Variable Format: numeric

Notes: UNF:6:36yJ057hOEMNI1ikug5O/g==

Unwelcome sexually suggestive looks or gestures directed at me

f10916541 Location:

Value

Label

Frequency

Text

0.

No

9661

1.

Yes

21

Summary Statistics: Valid 9682.0; Max. 1.0; Min. 0.0; Mean 0.002168973352613127; StDev 0.04652410628493955;

Variable Format: numeric

Notes: UNF:6:UnUcP7urfH2TjonVpJ5bVg==

Unwelcome sexual teasing, jokes, comments, or questions directed at me

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

24

0.

No

9658

Summary Statistics: Max. 1.0; Mean 0.002478826688700662; StDev 0.04972863886060478; Valid 9682.0; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:EgpXA0wlRsVvR6LZn08bzw==

Rude, harassing, or unwelcome comments directed at other customers

f10916541 Location:

Value

Label

Frequency

Text

0.

No

9643

1.

Yes

39

Summary Statistics: Min. 0.0; Mean 0.004028093369138622; StDev 0.06334257840736901; Valid 9682.0; Max. 1.0

Variable Format: numeric

Notes: UNF:6:rFLUAJUY2z72Ijql0ux8JQ==

Did the agent do or say anything that made you feel discriminated againts becaus

f10916541 Location:

Value

Label

Frequency

Text

0.

No

9669

1.

Yes

13

Summary Statistics: Min. 0.0; Valid 9682.0; StDev 0.03662012370617611; Mean 0.0013426977897128807; Max. 1.0

Variable Format: numeric

Notes: UNF:6:qMabRpDDZv8M4JklS0Na8g==

Please describe why you felt discriminated against because of your gender.

f10916541 Location:

Variable Format: character

Notes: UNF:6:MMiYgSurIMxbXt1C/g+41Q==

Did the agent do or say anything that made you feel discriminated againts becaus

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

13

0.

No

9669

Summary Statistics: Min. 0.0; Mean 0.0013426977897128816; Max. 1.0; StDev 0.03662012370617702; Valid 9682.0;

Variable Format: numeric

Notes: UNF:6:q/wYkqHo0t7iyacE/MMm4g==

Please describe why you felt discriminated against because of your age.

f10916541 Location:

Variable Format: character

Notes: UNF:6:TfXRHtFNKHkJT1gng8hEJg==

Did the agent do or say anything that made you feel discriminated against becaus

f10916541 Location:

Value

Label

Frequency

Text

1.

Yes

7

0.

No

9675

Summary Statistics: StDev 0.02688016050617121; Min. 0.0; Mean 7.229911175376911E-4; Valid 9682.0; Max. 1.0

Variable Format: numeric

Notes: UNF:6:pzIwuRoo1KoBWpEiHRcZqg==

Please describe why you felt discriminated against because of your ethnicity.

f10916541 Location:

Variable Format: character

Notes: UNF:6:pLqf8X1M/5oSkIoiQpAqGA==

Which of these locations have you used in the past 12 months to save or put away

f10916541 Location:

Variable Format: character

Notes: UNF:6:aA1xCK+8egSYvFBtOpyCWA==

Other savings location

f10916541 Location:

Variable Format: character

Notes: UNF:6:7XJ2wk6QmC9iwyslHhCkWA==

How much of your savings do you store in Cash?

f10916541 Location:

Value

Label

Frequency

Text

3.

Some of my savings

755

2.

Most of my savings

352

1.

All my savings

152

Summary Statistics: Min. 1.0; Mean 2.4789515488482916; StDev 0.7010055326401565; Valid 1259.0; Max. 3.0

Variable Format: numeric

Notes: UNF:6:fBfsuafLS/AQqHHyxERy7w==

How much of your savings do you store in Mobile Money account?

f10916541 Location:

Value

Label

Frequency

Text

2.

Most of my savings

199

3.

Some of my savings

329

1.

All my savings

10

Summary Statistics: StDev 0.5282576678065974; Mean 2.592936802973978; Valid 538.0; Max. 3.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:yiJE8ndWt7OTwubDKAE6Jw==

How much of your savings do you store in Bank account?

f10916541 Location:

Value

Label

Frequency

Text

3.

Some of my savings

71

1.

All my savings

7

2.

Most of my savings

75

Summary Statistics: Mean 2.418300653594771; StDev 0.5805439722790775; Valid 153.0; Max. 3.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:mcPI6Iaw+yfGLj9bqQgkuw==

How much of your savings do you store in Savings group?

f10916541 Location:

Value

Label

Frequency

Text

3.

Some of my savings

15

2.

Most of my savings

3

1.

All my savings

0

Summary Statistics: Valid 18.0; Mean 2.8333333333333335; StDev 0.38348249442368515; Max. 3.0; Min. 2.0;

Variable Format: numeric

Notes: UNF:6:h8I9LnKXxq15v60PY+6jcA==

Think of all the payments you've made in the past 12 months, including purchasin

f10916541 Location:

Value

Label

Frequency

Text

2.

Most of my payments

516

1.

All of my payments

49

3.

Some of my payments

2356

4.

None of my payments

2285

Summary Statistics: Valid 5206.0; StDev 0.6875661795691416; Max. 4.0; Mean 3.320975797157122; Min. 1.0

Variable Format: numeric

Notes: UNF:6:IECnVW+dgPafn6PAVlDY8w==

In your opinion, what are the advantages of cash as compared with mobile money?

f10916541 Location:

Variable Format: character

Notes: UNF:6:g7vlUyCZrhAGSWqn6TiFkg==

Other advantage to cash

f10916541 Location:

Variable Format: character

Notes: UNF:6:ZBB1WE8rcrPFy8YPQSs1Nw==

Do you have any outstanding debt or loan so that when money is added to your mob

f10916541 Location:

Value

Label

Frequency

Text

0.

No

6121

1.

Yes

249

Summary Statistics: Min. 0.0; StDev 0.19382309433479197; Max. 1.0; Valid 6370.0; Mean 0.039089481946624455

Variable Format: numeric

Notes: UNF:6:xaKrIb08iH/iGZ6rS1ChDQ==

Enumerator: How many male customers did you observe leaving the agent location?

f10916541 Location:

Summary Statistics: StDev 1.3941158172433101; Max. 8.0; Valid 2407.0; Mean 1.2966348151225597; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:3kjwwA3SEpppMsJ8Vk6Mew==

Enumerator: How many female customers did you observe leaving the agent location

f10916541 Location:

Summary Statistics: Valid 2409.0; Min. 0.0; Mean 0.6484018264840178; StDev 1.0373418998603905; Max. 11.0;

Variable Format: numeric

Notes: UNF:6:wA0I0ozlBGmBibkGGuVTVQ==

Agent is known to the local mystery shopper

f10916541 Location:

Value

Label

Frequency

Text

0.

New

3693

1.

Known

3925

Summary Statistics: StDev 0.4998008868509782; Mean 0.515227093725388; Valid 7618.0; Max. 1.0; Min. 0.0

Variable Format: numeric

Notes: UNF:6:loa9Nn0QDoW6dbj4Hqnyjw==

key

f10916541 Location:

Variable Format: character

Notes: UNF:6:9uEXhbelWVwsmfgCRxe1Bw==

Country

f10916536 Location:

Variable Format: character

Notes: UNF:6:AjvY5JqDMthKV8cIGGO+jQ==

Method of data collection

f10916536 Location:

Value

Label

Frequency

Text

3.

Local consumer mystery shopping

0

2.

Consumer intercept survey

0

1.

Professional mystery shopping visit

0

4.

Remote local consumer mystery shopping

0

5.

Round 2 local consumer mystery shopping

4648

Summary Statistics: Min. 5.0; StDev 0.0; Mean 5.0; Valid 4648.0; Max. 5.0

Variable Format: numeric

Notes: UNF:6:7nOka1HdHiNxzXnGJuiy1A==

Urban or rural data collection

f10916536 Location:

Value

Label

Frequency

Text

0.

Rural

2300

1.

Urban

2348

Summary Statistics: Max. 1.0; Valid 4648.0; StDev 0.5000271298281128; Mean 0.5051635111876006; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:U9fuo51jzINe3jocu/OdHQ==

Date/time the survey was started

f10916536 Location:

Variable Format: character

Notes: UNF:6:3HFtd+bH3g7dK66jcsbK3A==

Date/time the survey ended

f10916536 Location:

Variable Format: character

Notes: UNF:6:od2XNlWnLXeFpmzNy5wGkA==

Mystery shopping visit conducted with assistance from enumerator physically pres

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

4648

2.

No

0

Summary Statistics: StDev 0.0; Max. 1.0; Min. 1.0; Mean 1.0; Valid 4648.0

Variable Format: numeric

Notes: UNF:6:2M0+nqxaqJ0PQkJS2nrHoA==

Enumerator ID

f10916536 Location:

Variable Format: character

Notes: UNF:6:hzzQyW8d31vGa7uKQp4sNQ==

Gender of the enumerator

f10916536 Location:

Value

Label

Frequency

Text

0.

Male

1431

1.

Female

3217

Summary Statistics: Max. 1.0; StDev 0.4616639375867874; Valid 4648.0; Min. 0.0; Mean 0.6921256454388985;

Variable Format: numeric

Notes: UNF:6:535PC2u4ZGVxxEN8VYLnCQ==

Catchment area ID

f10916536 Location:

Variable Format: character

Notes: UNF:6:PNkWqipcUF4D3AaOJEW69A==

Agent ID

f10916536 Location:

Variable Format: character

Notes: UNF:6:sR5nAMcTgh63I/XW8EsW/g==

GPS cordinate for the agent

f10916536 Location:

Variable Format: character

Notes: UNF:6:vVSkjFc+GVF5cA1xjhehhw==

Type of agent location

f10916536 Location:

Value

Label

Frequency

Text

3.

Bank branch

0

2.

Banking agent

0

1.

Mobile money agent

4648

Summary Statistics: Max. 1.0; Valid 4648.0; StDev 0.0; Mean 1.0; Min. 1.0

Variable Format: numeric

Notes: UNF:6:2M0+nqxaqJ0PQkJS2nrHoA==

Agent gender

f10916536 Location:

Value

Label

Frequency

Text

0.

Male

2588

1.

Female

1229

Summary Statistics: Valid 3817.0; StDev 0.46729680798388407; Mean 0.3219806130469007; Max. 1.0; Min. 0.0

Variable Format: numeric

Notes: UNF:6:4Y7xVQDq08F6f/qwNFGuzg==

Agent age

f10916536 Location:

Value

Label

Frequency

Text

4.

Old (More than 50 years old)

55

2.

Young Adult (between 18 and 30)

2029

3.

Adult (between 30 and 50)

1704

1.

Teenager (between 13 and 17)

29

Summary Statistics: Valid 3817.0; Max. 4.0; Mean 2.4676447471836576; Min. 1.0; StDev 0.5413349555864041

Variable Format: numeric

Notes: UNF:6:oyBLceaxxRLQFsqsi5hV6g==

Customer ID

f10916536 Location:

Variable Format: character

Notes: UNF:6:pqMfJx/GrJT/9oXbVsjTAg==

Customer gender

f10916536 Location:

Value

Label

Frequency

Text

1.

Female

2186

0.

Male

2462

Summary Statistics: Max. 1.0; Min. 0.0; StDev 0.4991714145592843; Mean 0.470309810671259; Valid 4648.0;

Variable Format: numeric

Notes: UNF:6:cZx2VfVDpuqiT6fczq1h1A==

Customer age in years

f10916536 Location:

Summary Statistics: StDev 9.29165256624914; Valid 4648.0; Min. 18.0; Max. 62.0; Mean 30.97396729776246

Variable Format: numeric

Notes: UNF:6:WazWlNrSmacBPr8itQ1mLw==

Customer level of educaton

f10916536 Location:

Value

Label

Frequency

Text

3.

Some secondary education

1243

5.

Technical/vocational training (post secondary)

294

1.

Some primary education

320

0.

None

64

-77.

Other education, specify

20

6.

University (Bachelor's, Master's, PhD, etc.)

735

4.

Completed secondary education

1030

2.

Completed primary education

942

Summary Statistics: StDev 5.480478222904193; Mean 3.09660068846812; Max. 6.0; Valid 4648.0; Min. -77.0;

Variable Format: numeric

Notes: UNF:6:nZ/tckM4ic3YTUmc6GCx9A==

How long have you had a mobile money account? [Number of years]

f10916536 Location:

Summary Statistics: Valid 4648.0; Mean 3065088.365963791; Min. 0.0; Max. 7.1232535E8; StDev 4.663056461795877E7;

Variable Format: numeric

Notes: UNF:6:tQgrLpEbPI/y+O+pc43l9Q==

Have you received any money transfer into your mobile money account from an empl

f10916536 Location:

Variable Format: character

Notes: UNF:6:8UFhl5aaxn+n7sbsFMRVNg==

Do you own a smartphone?

f10916536 Location:

Value

Label

Frequency

Text

0.

No

1880

1.

Yes

2768

Summary Statistics: Max. 1.0; Mean 0.595524956970744; Min. 0.0; StDev 0.4908429658341568; Valid 4648.0;

Variable Format: numeric

Notes: UNF:6:adjhudUj+/u+ZJWfdrr2gQ==

What network coverage does your phone currently display?

f10916536 Location:

Value

Label

Frequency

Text

3.

2G service

394

2.

Some phone network coverage, but no data (bars only, no 2G/3G/4G)

1369

5.

4G/4G+/LTE/5G service

2168

4.

3G service

621

1.

No service

96

Summary Statistics: StDev 1.3575980157958556; Max. 5.0; Min. 1.0; Mean 3.7306368330464874; Valid 4648.0

Variable Format: numeric

Notes: UNF:6:uWMtFBFedCYG3vfP7C1vWA==

Type of transaction attempted

f10916536 Location:

Value

Label

Frequency

Text

1.

Cash-in

1643

3.

Account-to-account off-network transfer (agent-assisted)

326

2.

Cash-out

1799

5.

Account-to-account on-network transfer

199

4.

Over-the-counter transfer (cash-to-account)

681

Summary Statistics: Max. 5.0; StDev 1.173126795120857; Min. 1.0; Mean 2.1381239242684997; Valid 4648.0

Variable Format: numeric

Notes: UNF:6:WSKFCcwVYh0oUZQuLTVfqA==

Value of the transaction attempted

f10916536 Location:

Summary Statistics: Max. 20000.0; Valid 4648.0; Mean 10289.371772805718; StDev 7771.702087627638; Min. 1000.0

Variable Format: numeric

Notes: UNF:6:Tco+YfU/oEM5S+nZp9Dseg==

Provider used for transaction

f10916536 Location:

Variable Format: character

Notes: UNF:6:wwi3kk2ha9Wh1aDWE2CTvA==

Account balance prior to transaction

f10916536 Location:

Summary Statistics: Max. 891588.25; Mean 15104.45797503535; Min. 0.0; Valid 4648.0; StDev 58883.67574745564

Variable Format: numeric

Notes: UNF:6:PbfOo6nxPbomLd/xTpyZ/Q==

Account balance after transaction

f10916536 Location:

Summary Statistics: Valid 3092.0; StDev 427288.2468912328; Mean 21145.869406909133; Min. 0.0; Max. 2.3553022E7

Variable Format: numeric

Notes: UNF:6:VqZA0Tv5fxw9FOvu8ftRJQ==

Was the agent present when you visited?

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

3817

0.

No

831

Summary Statistics: Min. 0.0; Valid 4648.0; Max. 1.0; StDev 0.38321473159380526; Mean 0.8212134251290879

Variable Format: numeric

Notes: UNF:6:w2dkVsFx0L9ZoT4t7h/gHg==

Do you know when this agent is usually open?

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

2844

0.

No

1804

Summary Statistics: StDev 0.48737546965615025; Mean 0.6118760757314988; Max. 1.0; Min. 0.0; Valid 4648.0

Variable Format: numeric

Notes: UNF:6:4KmJZSNFyVk0Hw2e2yqRoQ==

At what time today (current weekday) is this agent usually open?

f10916536 Location:

Variable Format: character

Notes: UNF:6:jnazYeiPeK1oG+jNE9QtZw==

How many minutes did you wait before you were served?

f10916536 Location:

Summary Statistics: Mean 1.9609641079381364; Max. 30.0; StDev 2.104650912712682; Min. 0.0; Valid 3817.0;

Variable Format: numeric

Notes: UNF:6:oWdJ/c7kqQefOjqQ99KL4g==

How many minutes did you spend conducting the transaction with the agent?

f10916536 Location:

Summary Statistics: StDev 1.8324087350050906; Valid 3817.0; Min. 0.0; Mean 2.187319884726211; Max. 20.0

Variable Format: numeric

Notes: UNF:6:fHyH9QEKyb6P5OseOrjmxA==

Besides yourself, how many other customers were at the agent location when you a

f10916536 Location:

Summary Statistics: Mean 1.1907257008121275; Valid 3817.0; Max. 10.0; StDev 1.3502418148410866; Min. 0.0

Variable Format: numeric

Notes: UNF:6:Y9PCgCde6OWZvL2kqjUaow==

How many of the other customers were female?

f10916536 Location:

Summary Statistics: Valid 2300.0; Mean 0.6356521739130435; Max. 6.0; StDev 0.8202198226818671; Min. 0.0;

Variable Format: numeric

Notes: UNF:6:3AcgQZRiCqQQRNFb7WE4jg==

How many of the other customers were male?

f10916536 Location:

Summary Statistics: StDev 1.0974204125706446; Max. 10.0; Min. 0.0; Mean 1.3408695652173828; Valid 2300.0

Variable Format: numeric

Notes: UNF:6:afAmLKWOdvOmKOeZg3YDKQ==

Including the person that served you, how many employees were at the location? M

f10916536 Location:

Summary Statistics: Valid 3817.0; Max. 5.0; Mean 1.1907257008121552; Min. 0.0; StDev 0.498727860121556

Variable Format: numeric

Notes: UNF:6:YiRrE1F9OIptWll90HB8ZA==

What type of device does the agent use to conduct agent transactions?

f10916536 Location:

Variable Format: character

Notes: UNF:6:7Emm9oYLMNFQzjrtuNoudQ==

Other device type

f10916536 Location:

Variable Format: character

Notes: UNF:6:gxwCKXzyGteEX+ARZSnZCQ==

Were price lists displayed at the agent location in a way that was visible to cu

f10916536 Location:

Value

Label

Frequency

Text

0.

No

1017

1.

Yes

2800

Summary Statistics: Max. 1.0; Valid 3817.0; Mean 0.7335603877390622; Min. 0.0; StDev 0.4421546830165631

Variable Format: numeric

Notes: UNF:6:hDOpEhKlb9RjhjbPzJKYvg==

Which types of price lists did you see?

f10916536 Location:

Variable Format: character

Notes: UNF:6:mL0jGyjTexK313uRAzGjJQ==

Do you know the name of the person who served you?

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

538

0.

No

3279

Summary Statistics: Mean 0.140948388787006; Max. 1.0; Min. 0.0; StDev 0.3480138941961989; Valid 3817.0

Variable Format: numeric

Notes: UNF:6:W9EjnvdfIeE22nIJcWEErg==

Have you ever visited this shop/agent before?

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

2303

0.

No

1514

Summary Statistics: StDev 0.48926555690917306; Max. 1.0; Min. 0.0; Mean 0.6033534189153718; Valid 3817.0;

Variable Format: numeric

Notes: UNF:6:Q1xVDX1t0xJSMLzgnrmtaA==

In the past 90 days including today, about how many times have you conducted a f

f10916536 Location:

Value

Label

Frequency

Text

5.

Once a week, but less than once a day

102

1.

Once (this time)

471

4.

More than once a month, but less than once a week

776

0.

Never

1514

3.

3 times (about once a month)

391

2.

Twice

563

6.

Once a day or more

0

Summary Statistics: Min. 0.0; Mean 1.6725176840450837; StDev 1.6612054475774436; Max. 5.0; Valid 3817.0;

Variable Format: numeric

Notes: UNF:6:2SwIbALWucLIU53NCgbY1A==

3.12 In the past 90 days, which of these types of mobile money transactions have

f10916536 Location:

Variable Format: character

Notes: UNF:6:zovNXIHOaXmL7zZc/4Te/A==

In the past 90 days, have you experienced a significant problem while using a mo

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

365

0.

No

4263

Summary Statistics: Min. 0.0; Max. 999.0; Mean 4.377151462994658; StDev 65.39238116818629; Valid 4648.0

Variable Format: numeric

Notes: UNF:6:dnssi5BS7+QUaRd1VjSd0A==

Were you able to complete the assigned transaction?

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

3092

0.

No

725

Summary Statistics: Min. 0.0; Mean 0.8100602567461349; Valid 3817.0; Max. 1.0; StDev 0.3923046744357058

Variable Format: numeric

Notes: UNF:6:8fVyahKxqQzJVUduySvEhA==

Did the agent attempt to complete the transaction or decline the transaction bef

f10916536 Location:

Value

Label

Frequency

Text

1.

Agent attempted to complete the transaction but it failed

100

0.

Agent declined the transaction before attempting to complete it

625

Summary Statistics: StDev 0.3450656446309737; Max. 1.0; Min. 0.0; Valid 725.0; Mean 0.13793103448275904

Variable Format: numeric

Notes: UNF:6:l5/llqPNEodBdrdiqXzMbw==

Did the agent explain why the transaction failed before you asked?

f10916536 Location:

Value

Label

Frequency

Text

0.

Yes, the agent explained why the transaction failed before I asked

645

1.

No, the agent did not explain why the transaction failed so I had to ask

80

Summary Statistics: StDev 0.31353538706300926; Mean 0.1103448275862067; Max. 1.0; Valid 725.0; Min. 0.0

Variable Format: numeric

Notes: UNF:6:8MkzrMDBlcCkf7uP4fgyZw==

What reason did the agent give for the transaction not succedding?

f10916536 Location:

Value

Label

Frequency

Text

4.

Mobile network / internet issues

30

10.

= Agent did not know how to complete the transaction

0

3.

Agent said they do not offer [provider] services

52

9.

Primary agent was not at the location and employee is not allowed or does not know how to complete transaction

94

7.

Transaction is too large (for example, because the agent needs to save float/cash for other customers)

0

6.

Agent does not have enough float/cash to complete the transaction

316

0.

No reason given even after asking

13

12.

Agent no longer offers mobile money services

9

5.

Battery issues

6

2.

Agent said they do not offer this type of transaction

89

11.

Agent's mobile money line is blocked

13

1.

Agent said off-network transfers are not possible (only applicable for off-network transfer scenarios)

62

-77.

Other

41

8.

Transaction is too small (for example, because the commissions are too small)

0

Summary Statistics: Min. -77.0; StDev 19.177231173081378; Mean 0.5268965517241457; Valid 725.0; Max. 12.0

Variable Format: numeric

Notes: UNF:6:6L4Yj4PA4i1lkpQvW8W8zw==

Other reason for failure

f10916536 Location:

Variable Format: character

Notes: UNF:6:n9yFFtTV3LakaDOYT2RThQ==

Did the agent provide an alternative way to complete the transaction before you

f10916536 Location:

Value

Label

Frequency

Text

0.

Yes, the agent provided an alternative way to complete the transaction so I did not need to ask

431

1.

No, agent did not provide an alternative way to complete the transaction so I had to ask

294

Summary Statistics: Min. 0.0; StDev 0.4913308275406982; Mean 0.40551724137931033; Valid 725.0; Max. 1.0

Variable Format: numeric

Notes: UNF:6:6zIdTia7RdN5kMc0cPDEXg==

What did the agent suggest you do to complete your transaction?

f10916536 Location:

Variable Format: character

Notes: UNF:6:vZwJsFOqzEhTSbdmWMqjMg==

Other alternative method for completing the transaction

f10916536 Location:

Variable Format: character

Notes: UNF:6:NqLs7+fmRN7q4hr9W8Kjew==

How much in total did you pay to complete the transaction? This includes all fee

f10916536 Location:

Summary Statistics: Min. 0.0; Max. 1800.0; StDev 506.3812951410284; Mean 321.6926972782754; Valid 3092.0

Variable Format: numeric

Notes: UNF:6:PCrw6IJ8taG+F032CTJf5w==

Did the agent tell you how much the fee was, and if so when?

f10916536 Location:

Value

Label

Frequency

Text

2.

Agent told me the fee after completing the transaction

22

1.

Agent told me the fee before completing the transaction

112

0.

Agent did not ever state the fee

1567

Summary Statistics: StDev 0.3305015099130074; Valid 1701.0; Min. 0.0; Mean 0.09171075837742547; Max. 2.0

Variable Format: numeric

Notes: UNF:6:UjTP9mNIUQi3QA6yVmkAJQ==

Did the agent tell you whether you would pay cash or from your account (or both)

f10916536 Location:

Value

Label

Frequency

Text

0.

No

1281

2.

Yes, from account

314

3.

Yes, with cash and from account

5

1.

Yes, with cash

101

Summary Statistics: StDev 0.7957911381992591; Max. 3.0; Valid 1701.0; Min. 0.0; Mean 0.4373897707231053;

Variable Format: numeric

Notes: UNF:6:nSB7k3oS0kPRfmy9JMkG5Q==

How did you pay the fee?

f10916536 Location:

Variable Format: character

Notes: UNF:6:5MZbJTqU20fs7R8s/8W3VA==

How much did you pay in fees that was automatically deducted from your account b

f10916536 Location:

Summary Statistics: Valid 1569.0; Max. 1800.0; Mean 562.7106118448338; StDev 566.7208453296428; Min. 5.0

Variable Format: numeric

Notes: UNF:6:J6IJX4xqyYvbfgc4kWPY/Q==

How much did you pay in fees to the agent from your account?

f10916536 Location:

Summary Statistics: Min. 15.0; Max. 1472.0; Valid 20.0; Mean 163.825; StDev 389.37866412908056

Variable Format: numeric

Notes: UNF:6:YVe0rCwC/5cVoip9opb5vw==

How much of the fee did you pay in cash?

f10916536 Location:

Summary Statistics: Mean 928.111111111111; StDev 226.84119379659683; Min. 10.0; Max. 1000.0; Valid 117.0;

Variable Format: numeric

Notes: UNF:6:1G5WzbIJR2vb2IBAE4yS6g==

Official fee based on providers' price lists, inclusive of taxes. Note that this

f10916536 Location:

Summary Statistics: Valid 4648.0; Max. 1800.0; Min. 0.0; Mean 302.54432013768695; StDev 505.1413066624064;

Variable Format: numeric

Notes: UNF:6:rTZnemtsOnv4gdeM7Y7HDw==

How was your over-the-counter cash-to-account transfer processed?

f10916536 Location:

Value

Label

Frequency

Text

2.

Agent directly sent the money to the “friend’s” account (for example, as a cash-in or as a transfer from the agent’s account to the “friend’s” account)

438

1.

Agent deposited (cashed-in) the money into my account and told me to send the money from my account to the “friend’s” account.

11

Summary Statistics: Mean 1.9755011135857459; StDev 0.15476445415882323; Min. 1.0; Max. 2.0; Valid 449.0;

Variable Format: numeric

Notes: UNF:6:1Tp4jYGq/20937dzB9m8HQ==

Other method for processing over-the-counter transfer

f10916536 Location:

Variable Format: character

Notes: UNF:6:+Koza+Rv0os10PVoXedlFQ==

Did you recieve any confirmation message or reciept after the transaction was co

f10916536 Location:

Value

Label

Frequency

Text

0.

No

475

1.

Yes

2617

Summary Statistics: Min. 0.0; Valid 3092.0; Mean 0.8463777490297526; StDev 0.3606445893511418; Max. 1.0;

Variable Format: numeric

Notes: UNF:6:1k8ki/9WBc0u6oevsHz3Vw==

What type of confirmation message or reciept did you recieve?

f10916536 Location:

Value

Label

Frequency

Text

1.

Message or notification on my phone

2613

3.

Confirmation code or similar read to you by the agent (not written down)

0

2.

Paper receipt from agent

3

-77.

Other

1

Summary Statistics: Mean 0.9713412304165081; Max. 2.0; StDev 1.5251272810323213; Valid 2617.0; Min. -77.0

Variable Format: numeric

Notes: UNF:6:K+ZtDQq492g3UHRfS8AD0Q==

What other type of reciept or confirmation message did you recieve?

f10916536 Location:

Variable Format: character

Notes: UNF:6:MrSr6MdAJB3kjMTBCUH/Zw==

Do you think any other customers overheard the size of the transaction or see th

f10916536 Location:

Value

Label

Frequency

Text

0.

No

2275

1.

Yes

817

Summary Statistics: Max. 1.0; Valid 3092.0; Min. 0.0; StDev 0.4409937999090758; Mean 0.2642302716688233

Variable Format: numeric

Notes: UNF:6:GkiVcxoI0JB34pRfpnDtug==

Did the agent advise you to keep your PIN hidden?

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

233

0.

No

2859

Summary Statistics: Max. 1.0; Mean 0.07535575679171908; Min. 0.0; Valid 3092.0; StDev 0.2640072133336258

Variable Format: numeric

Notes: UNF:6:gT9yczwYa1E4SDHdXbfC+g==

On a scale of 1-10 with 1 being the worst and 10 being the best, how secure did

f10916536 Location:

Value

Label

Frequency

Text

3.

Three

14

5.

Five

393

2.

Two

6

8.

Eight

836

1.

One

4

10.

Ten

871

6.

Six

351

9.

Nine

657

7.

Seven

595

4.

Four

90

Summary Statistics: Max. 10.0; StDev 1.7579992283386792; Mean 7.8504060780717975; Min. 1.0; Valid 3817.0

Variable Format: numeric

Notes: UNF:6:jXubb/sDRf1tnJds1qmp0w==

Please describe what security issues you observed.

f10916536 Location:

Variable Format: character

Notes: UNF:6:3k9VTNsW0KjFpJG4huLTkw==

On a scale from 1-10, with 1 being the worst and 10 being the best, how well did

f10916536 Location:

Value

Label

Frequency

Text

6.

Six

394

5.

Five

512

8.

Eight

741

9.

Nine

597

7.

Seven

647

3.

Three

5

2.

Two

4

4.

Four

136

1.

One

11

10.

Ten

770

Summary Statistics: Mean 7.605973277443022; Min. 1.0; Valid 3817.0; Max. 10.0; StDev 1.8385705504812933

Variable Format: numeric

Notes: UNF:6:3G5N734VV8HvXS6AUD4hCA==

Please describe what privacy issues you observed.

f10916536 Location:

Variable Format: character

Notes: UNF:6:2aQTjz4Ag8xnUvzoMtktOQ==

On a scale of 1-10, with 1 being the worst and 10 being the best, how would you

f10916536 Location:

Value

Label

Frequency

Text

3.

Three

15

7.

Seven

545

8.

Eight

800

6.

Six

312

10.

Ten

973

5.

Five

369

1.

One

6

4.

Four

81

2.

Two

7

9.

Nine

709

Summary Statistics: Valid 3817.0; Mean 7.972753471312544; Max. 10.0; StDev 1.7680757375416838; Min. 1.0;

Variable Format: numeric

Notes: UNF:6:R/9GuKafvde4n8Ae75KYBg==

Please describe what agent attitude issues you observed.

f10916536 Location:

Variable Format: character

Notes: UNF:6:PZPkiMGGIxXRGZAdQ/iHPQ==

Did you experience any of the following problems with this agent? Unwelcome inv

f10916536 Location:

Value

Label

Frequency

Text

0.

No

3770

1.

Yes

47

Summary Statistics: Valid 3817.0; Max. 1.0; StDev 0.11029462313202844; Min. 0.0; Mean 0.012313335079905625;

Variable Format: numeric

Notes: UNF:6:kjZBjO32WEId3NeAeaHDqA==

Did you experience any of the following problems with this agent? Unwelcome sex

f10916536 Location:

Value

Label

Frequency

Text

0.

No

3807

1.

Yes

10

Summary Statistics: Mean 0.002619858527639594; Min. 0.0; Max. 1.0; StDev 0.05112415882943618; Valid 3817.0;

Variable Format: numeric

Notes: UNF:6:Q4MDYNaNrc2DBdW92b/pow==

Did you experience any of the following problems with this agent? Unwelcome sex

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

7

0.

No

3810

Summary Statistics: StDev 0.04279039001057803; Valid 3817.0; Min. 0.0; Max. 1.0; Mean 0.001833900969347672

Variable Format: numeric

Notes: UNF:6:5l4CI2PV/5TRyMo6UHcu1g==

Did you experience any of the following problems with this agent? Rude, harassi

f10916536 Location:

Value

Label

Frequency

Text

0.

No

3793

1.

Yes

24

Summary Statistics: Min. 0.0; StDev 0.0790554434667326; Valid 3817.0; Mean 0.006287660466334811; Max. 1.0;

Variable Format: numeric

Notes: UNF:6:6boDxFuLQWT3W2MeeMZWQQ==

Did the agent do or say anything that made you feel discriminated againts becaus

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

5

0.

No

3812

Summary Statistics: Max. 1.0; Mean 0.0013099292638197632; Min. 0.0; StDev 0.036173970923140224; Valid 3817.0;

Variable Format: numeric

Notes: UNF:6:WrVG4fEPtbESfJoPDA0q6Q==

Please describe why you felt discriminated against because of your gender.

f10916536 Location:

Variable Format: character

Notes: UNF:6:tVPlXGqinAbPSG4NQvuULA==

Did the agent do or say anything that made you feel discriminated againts becaus

f10916536 Location:

Value

Label

Frequency

Text

0.

No

3813

1.

Yes

4

Summary Statistics: Max. 1.0; Min. 0.0; StDev 0.03235922675486757; Valid 3817.0; Mean 0.0010479434110557953

Variable Format: numeric

Notes: UNF:6:Icn+r5kAQ5dONtLEHRfxhA==

Please describe why you felt discriminated against because of your age.

f10916536 Location:

Variable Format: character

Notes: UNF:6:jY9Fm24TiI0fapws9V9ZTQ==

Did the agent do or say anything that made you feel discriminated against becaus

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

0

0.

No

3817

Summary Statistics: Valid 3817.0; Min. 0.0; StDev 0.0; Mean 0.0; Max. 0.0;

Variable Format: numeric

Notes: UNF:6:qx7z3kezpJ02AsQqLvFx0A==

Please describe why you felt discriminated against because of your ethnicity.

f10916536 Location:

Variable Format: character

Notes: UNF:6:+Koza+Rv0os10PVoXedlFQ==

In your opinion, what are the advantages of cash as compared with mobile money?

f10916536 Location:

Variable Format: character

Notes: UNF:6:Z0HSuu37UwBcGP9xzHE61Q==

Other advantage to cash

f10916536 Location:

Variable Format: character

Notes: UNF:6:3PTs1hYuthYrDUR4hf8PkA==

Do you have any outstanding debt or loan so that when money is added to your mob

f10916536 Location:

Value

Label

Frequency

Text

0.

No

4326

1.

Yes

274

-99.

Don't know

48

Summary Statistics: StDev 10.018358253869389; Min. -99.0; Valid 4648.0; Max. 1.0; Mean -0.963425129087849

Variable Format: numeric

Notes: UNF:6:TJCRA5mpJTbVlOa0DjEFuQ==

For BD only: bKash-priyo agent & Nagad-regular app with lower fee rate

f10916536 Location:

Value

Label

Frequency

Text

1.

Yes

55

0.

No

1120

Summary Statistics: Max. 1.0; Mean 0.04680851063829798; Min. 0.0; Valid 1175.0; StDev 0.2113184294679155

Variable Format: numeric

Notes: UNF:6:Chcojp2EZLqz8KpkVhWkeg==

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Transaction Cost Index codebook, year 1 and year 2

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