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Table 6 Sequential patterns in mobile money use

From: Trajectories through temporal networks

Use case

Transaction type motif

Number (%)

Value (%)

Duration (h)

Storage/savings

cash-dep \(\rightarrow\) cash-wtd

5.9

23.1

21

Digital transfer

cash-dep \(\rightarrow\) p2p \(\rightarrow\) cash-wtd

5.9

23.5

24

Circ. digital transfer

cash-dep \(\rightarrow\) [p2p] \(\rightarrow\) p2p \(\rightarrow\) cash-wtd

3.6

8.8

67

Cash payment

cash-dep \(\rightarrow\) cash-pay

4.0

12.5

1.5

Circ. cash payment

cash-dep \(\rightarrow\) [p2p] \(\rightarrow\) cash-pay

2.5

4.2

59

Bill payment

cash-dep \(\rightarrow\) bill-pay

4.0

8.8

0.1

Circ. bill payment

cash-dep \(\rightarrow\) [p2p] \(\rightarrow\) bill-pay

3.3

4.2

77

Airtime purchase

cash-dep \(\rightarrow\) mins-pay

40.3

2.4

165

Circ. airtime purchase

cash-dep \(\rightarrow\) [p2p] \(\rightarrow\) mins-pay

21.2

1.2

276

  1. Trajectories observed when tracing funds using the last-in-first-out heuristic, grouped by their sequential transaction patterns. The number and value of trajectories is reported as a percentage of the number and value of all trajectories that begin with a deposit made in the first 5 months of data collection. The median duration is weighted by value. Brackets denote that consecutive person-to-person transactions have been consolidated. Not shown are sequential transaction patterns reflecting niche actions (i.e., below 1% of trajectories) or incomplete trajectories (i.e., money that remains in the system at the end of the finite data collection window). For this reason, the percentages do not add up to 100%