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0%
20%
40%
60%
80%
100%
Cash In Cash Out P2P P2P(receiver)
P2P(sender)
Airtimetop-up
MerchantPayment
BillPayment
3.5
5.2
5.8
6.2
6.9
7.6
6.0
7.5
3.4
4.1
5.5
5.1
18-20 21-25 26-30 31-35 36-40 41+
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Su
bscri
ber
gen
der
gap
Infrequent user
Cash in/out only
Non user
Passive recipient
High Power User
Regular user
•
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40%
25%
8%
3%
2%
22%
Urban
women
Urban
men
Rural
men
Rural
women
Urban
women
Urban
men
Rural
men
Rural
women
Dir
ecti
on
of
tran
sacti
on
s
Transactions
sent by men
Transactions
sent by women
18-20 21-25 26-30 31-35 36-40 41+
18-20 21-25 26-30 31-35 36-40 41+
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