Section 6 Banking Services

6.1 ACCESS_BANK

The respondent has ever used a full-service bank, or has a bank account registered in their name or a joint account in their and someone else’s name.

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6.2 REGISTERED_BANK

The respondent has an account with a bank that provides a full suite of financial services.

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6.3 RECENT_BANK_USER

The respondent has an account registered in their name with a full-service bank and has used it in the last 90 days before the survey.

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6.4 ACTIVE30_BANK

The respondent has an account registered in their name with a full-service bank and has used it in the last 30 days before the survey.

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6.5 INACTIVE_BANK

The respondent has an account registered in their name with a full-service bank but has not used it in the last 90 days before the survey.

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6.6 BANK_BASIC

The respondent has ever used a bank account to deposit or withdraw cash, to transfer money to another individual, or to conduct account maintenance.

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6.7 BANK_ADV

The respondent has ever used a bank account for saving, borrowing, insurance, investment, bill payment, or receiving wages or government benefits.

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6.8 REG_BANK_BASIC

The respondent has an account registered in their name with a full-service bank and has used it to deposit or withdraw cash, to transfer money to another individual, or to conduct account maintenance.

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6.9 REG_BANK_ADV

The respondent has an account registered in their name with a full-service bank and has used it for saving, borrowing, insurance, investment, bill payment or receiving wages or government benefits.

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6.10 ACTIVE_BANK_BASIC

The respondent has an account registered in their name with a full-service bank and has used it in the last 90 days to deposit or withdraw cash, to transfer money to another individual, or to conduct account maintenance. ACTIVE_BANK_BASIC is derived from ACTIVE_BANK and BANK_BASIC – it is “Yes” for those respondents who responded “Yes” for both ACTIVE_BANK and BANK_BASIC.

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6.11 ACTIVE_BANK_ADV

The respondent has an account registered in their name with a full-service bank and has used it in the last 90 days for saving, borrowing, insurance, investment, bill payment or receiving wages or government benefits.

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6.12 ACTIVE30_BANK_ADV

The respondent has an account registered in their name with a full-service bank and has used it in the last 30 days for saving, borrowing, insurance, investment, bill payment or receiving wages or government benefits.

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6.13 BANK_STAGE

Customer journey segmentation of bank: A series of progressive stages through which individuals become more active users of more sophisticated bank services.

Bank stages	Descriptions
Bank nonuser	Don’t have a bank account registered in their name or a joint account in their and someone else’s name or never used a bank
Unregistered bank user	Don’t have a bank account registered in their name or a joint account in their and someone else’s name but use a bank via another person’s account
Inactive registered bank user	Have a bank account registered in their name or a joint account in their and someone else’s name but have not used it in the last 90 days
Active bank basic user	Have a bank account registered in their name or a joint account in their and someone else’s name and only used it in the last 90 days for basic activities: cash-in (deposit) or cash-out (withdraw), money transfer to another individual, or conducting account maintenance
Active bank advanced user	Have a bank account registered in their name or a joint account in their and someone else’s name and used it in the last 90 days for advanced activities (saving, borrowing, insurance, investment, paying bills or receiving wages or government benefits)

Levels

Bank nonuser
Unregistered bank user
Inactive registered bank user
Active bank basic user
Active bank advanced user

6.14 BANK_TRANSFER

The respondent has ever sent money to or received money from someone using a bank account.

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6.15 BANK_MERCHANT

The respondent has ever used a bank to buy goods and services at a store, shop, restaurant or other place of business.

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6.16 BANK_BILL

The respondent has ever paid a bill using a bank account.

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6.17 BANK_GOV

The respondent has ever received money from the government using a bank account.

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6.18 BANK_WAGE

The respondent has ever received payment from an employer using a bank account.

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6.19 BANK_INSURANCE

The respondent has ever paid for insurance or received payment from insurance using a bank account.

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6.20 BANK_SAVE

The respondent has ever saved using a bank account.

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6.21 BANK_INVEST

The respondent has ever made an investment using a bank account.

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6.22 BANK_LOAN

The respondent has ever borrowed money using a bank account.

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6.23 BANK_AIRTIME

The respondent has ever bought airtime top-ups or paid a mobile phone bill using a bank account.

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6.24 ACTIVE_BANK_TRANSFER

The respondent sent money to or received money from someone using a bank account in the last 90 days.

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6.25 ACTIVE_BANK_MERCHANT

The respondent used a bank to buy goods and services at a store, shop, restaurant or other place of business in the last 90 days.

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6.26 ACTIVE_BANK_BILL

The respondent paid a bill using a bank account in the last 90 days.

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6.27 ACTIVE_BANK_GOV

The respondent received money from the government using a bank account in the last 90 days.

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6.28 ACTIVE_BANK_WAGE

The respondent received payment from an employer using a bank account in the last 90 days.

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6.29 ACTIVE_BANK_INSURANCE

The respondent paid for insurance or received payment from insurance using a bank account in the last 90 days.

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6.30 ACTIVE_BANK_SAVE

The respondent saved using a bank account in the last 90 days.

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6.31 ACTIVE_BANK_INVEST

The respondent made an investment using a bank account in the last 90 days.

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6.32 ACTIVE_BANK_LOAN

The respondent borrowed money using a bank account in the last 90 days.

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6.33 ACTIVE_BANK_AIRTIME

The respondent bought airtime top-ups or paid a mobile phone bill using a bank account in the last 90 days.

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6.34 R_NOBANK*

The respondent cites the following as a reason why they do not register a bank account in their name:

Variable	Reason
R_NOBANK1	The respondent lacks the required documents
R_NOBANK2	Fees and expenses for using banks are too high
R_NOBANK3	They do not need one
R_NOBANK4	The closest bank is too far away
R_NOBANK5	The respondent does not have enough money

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6.35 R_NOBANK_BUSI*

The respondent cites the following as a reason for not using banks for business payments/purchases.

Variable	Reason
R_NOBANK_BUSI1	The respondent has to pay extra taxes
R_NOBANK_BUSI2	The respondent has to pay bribes to government officials to avoid taxation/licensing/paper work
R_NOBANK_BUSI3	The respondent’s business is not registered/not formal
R_NOBANK_BUSI4	The respondent needs to raise prices to pay account fees
R_NOBANK_BUSI5	The respondent’s business is too small to need a bank account
R_NOBANK_BUSI6	The respondent uses other methods of payment

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6.36 EXP_BANK*

Experience using a bank account in the past 6 months.

Variable	Experience
EXP_BANK1	Unexpected charges
EXP_BANK2	Lost money
EXP_BANK3	Registered a complaint or called a customer care line
EXP_BANK4	Experienced an ATM not working
EXP_BANK5	Experienced an ATM/debit/credit card ntot working when paying for goods/services
EXP_BANK6	Could not use a bank accounts due to system outages

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6.37 USE_BANK_OTC

The respondent uses a bank account for any financial activity over the counter at a bank branch.

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6.38 USE_BANK_ATM

The respondent uses a bank account for any financial activity via an ATM.

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6.39 USE_BANK_RETAIL

The respondent uses a bank account for any financial activity through deposits or withdrawals over the counter at a retail store.

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6.40 USE_BANK_ONLINE

The respondent uses a bank account for any financial activity via the bank’s website/online banking.

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6.41 USE_BANK_MOBILE

The respondent uses a bank account for any financial activity via a mobile application or mobile banking.

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6.42 USE_BANK_AGENT

The respondent uses a bank account for any financial activity through a door-to-door banking agent or with another person who is associated with the bank or MFI/money collector/banking agent.

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6.43 USE_BANK_WALLET

The respondent uses a bank account for any financial activity via a mobile wallet.

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