<data>
<row _id="1"><Year>2014</Year><Determinants>N=6000</Determinants><Amount xsi:nil="true" /></row>
<row _id="2"><Year>2014</Year><Determinants>People with mobile phone access(in %)</Determinants><Amount>0.72</Amount></row>
<row _id="3"><Year>2014</Year><Determinants>Financial Inclusion</Determinants><Amount>0.073</Amount></row>
<row _id="4"><Year>2014</Year><Determinants>People with mobile phone - own phone (in %)</Determinants><Amount>0.54</Amount></row>
<row _id="5"><Year>2014</Year><Determinants>People with bank access</Determinants><Amount>0.07</Amount></row>
<row _id="6"><Year>2014</Year><Determinants>Bank registered</Determinants><Amount>0.07</Amount></row>
<row _id="7"><Year>2014</Year><Determinants>Bank Active Use</Determinants><Amount>0.06</Amount></row>
<row _id="8"><Year>2014</Year><Determinants>Money Mobile Access</Determinants><Amount>0.08</Amount></row>
<row _id="9"><Year>2014</Year><Determinants>Money Mobile Registered Account</Determinants><Amount>0</Amount></row>
<row _id="10"><Year>2015</Year><Determinants>People with mobile phone access(in %)</Determinants><Amount>0.76</Amount></row>
<row _id="11"><Year>2015</Year><Determinants>Finacial Inclusion</Determinants><Amount>0.087</Amount></row>
<row _id="12"><Year>2015</Year><Determinants>People with mobile phone - own phone (in %)</Determinants><Amount>0.59</Amount></row>
<row _id="13"><Year>2015</Year><Determinants>People with bank access</Determinants><Amount>0.08</Amount></row>
<row _id="14"><Year>2015</Year><Determinants>Bank registered</Determinants><Amount>0.07</Amount></row>
<row _id="15"><Year>2015</Year><Determinants>Bank Active Use</Determinants><Amount>0.07</Amount></row>
<row _id="16"><Year>2015</Year><Determinants>Money Mobile Access</Determinants><Amount>0.09</Amount></row>
<row _id="17"><Year>2015</Year><Determinants>Money Mobile Registered Account</Determinants><Amount>0.01</Amount></row>
<row _id="18"><Year>2016</Year><Determinants>People with mobile phone access(in %)</Determinants><Amount>0.77</Amount></row>
<row _id="19"><Year>2016</Year><Determinants>Financial Inclusion</Determinants><Amount>0.089</Amount></row>
<row _id="20"><Year>2016</Year><Determinants>People with mobile phone - own phone (in %)</Determinants><Amount>0.55</Amount></row>
<row _id="21"><Year>2016</Year><Determinants>People with bank access</Determinants><Amount>0.09</Amount></row>
<row _id="22"><Year>2016</Year><Determinants>Bank registered</Determinants><Amount>0.09</Amount></row>
<row _id="23"><Year>2016</Year><Determinants>Bank Active Use</Determinants><Amount>0.08</Amount></row>
<row _id="24"><Year>2016</Year><Determinants>Money Mobile Access</Determinants><Amount>0.09</Amount></row>
<row _id="25"><Year>2016</Year><Determinants>Money Mobile Registered Account</Determinants><Amount>0.01</Amount></row>
<row _id="26"><Year>2017</Year><Determinants>People with mobile phone access(in %)</Determinants><Amount>0.78</Amount></row>
<row _id="27"><Year>2017</Year><Determinants>Financial Inclusion</Determinants><Amount>0.139</Amount></row>
<row _id="28"><Year>2017</Year><Determinants>People with mobile phone - own phone (in %)</Determinants><Amount>0.6</Amount></row>
<row _id="29"><Year>2017</Year><Determinants>People with bank access</Determinants><Amount>0.11</Amount></row>
<row _id="30"><Year>2017</Year><Determinants>Bank registered</Determinants><Amount>0.11</Amount></row>
<row _id="31"><Year>2017</Year><Determinants>Bank Active Use</Determinants><Amount>0.1</Amount></row>
<row _id="32"><Year>2017</Year><Determinants>Money Mobile Access</Determinants><Amount>0.13</Amount></row>
<row _id="33"><Year>2017</Year><Determinants>Money Mobile Registered Account</Determinants><Amount>0.04</Amount></row>
</data>
