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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%