| Value | Category | 
                                    
                    
                        | 1 | I do not know what it is | 
                                    
                    
                        | 2 | I do not know how to get it | 
                                    
                    
                        | 3 | I do not have the required documents | 
                                    
                    
                        | 4 | There is no point-of-service/agent close to where I live | 
                                    
                    
                        | 5 | I do not need it, I do not make any transactions | 
                                    
                    
                        | 6 | Registration is too complicated | 
                                    
                    
                        | 7 | Registration fee is too high | 
                                    
                    
                        | 8 | Using it is difficult | 
                                    
                    
                        | 9 | Fees for using this service are too high | 
                                    
                    
                        | 10 | No one among my friends or family use this service | 
                                    
                    
                        | 11 | I do not understand this service; I do not know what I can u | 
                                    
                    
                        | 12 | I do not have a smartphone | 
                                    
                    
                        | 13 | I do not trust that my money is safe on a mobile money accou | 
                                    
                    
                        | 14 | My spouse, family, in-laws do not approve of me having a mob | 
                                    
                    
                        | 15 | It is against my religion | 
                                    
                    
                        | 16 | I don?t use it because all agents are men | 
                                    
                    
                        | 17 | Mobile money does not provide anything better/any advantage | 
                                    
                    
                        | 18 | Other, specify | 
                                    
                    
                        | 99 |  | 
                                    
                    
                        | Sysmiss |  | 
                            
            Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.