| Value | Category |
|---|---|
| -9 | Don't know (spontaneous) |
| 1 | Don’t know enough about mobile money |
| 2 | Fees are too high |
| 3 | Most of this establishment’s payment are too large to use mobile money |
| 4 | Not easy to use |
| 5 | Customers don’t use mobile money |
| 6 | Suppliers don’t use mobile money |
| Sysmiss |