1. Age Range,2. Highest QualifiPhone M3ion,"2.a. If you selected Other, please specify:",3. Occupation,"3.a. If you selected Other, please specify:",4. Sector,"4.a. If you selected Other, please specify:",5. Average monthly income,6. I use mobile financial services to conduct financial transactions,7. I am not a user of mobile financial services because,"7.a. If you selected Other, please specify:",8. I will use mobile financial services if,"8.a. If you selected Other, please specify:",9. I use this phone type,"9.a. If you selected Other, please specify:",10. I use this Mobile Financial Services (MFS) product (select all that apply),"10.a. If you selected Other, please specify:",11. I have used MFS for,12. My decision to use MFS was influenced by (select all that apply),"12.a. If you selected Other, please specify:",13. I set up the MFS on my phone by,"13.a. If you selected Other, please specify:",14. I use this connectivity option to enable me access MFS on my phone,"14.a. If you selected Other, please specify:",15. I predominantly conduct a MFS transaction via (select all that apply),"15.a. If you selected Other, please specify:",16. I secure my MFS through the following means (select all that apply),"16.a. If you selected Other, please specify:",17. The MFS I use is,"17.a. If you selected Other, please specify:",18. It is difficult for me to complete a task on the MFS I use,19. I often experience errors in my transactions,20. I often perform a single task several times due to the complexity of the MFS,21. I often perform a single task several times due to lack of sufficient knowledge,22. The most frustrating part of using the product for me is,22.1.a. I frequently forget my PIN,22.2.a. Poor Network,22.3.a. Unsatisfactory level of support from operators,22.4.a. How to navigate the system,22.5.a. How to be sure I did the right thing with my transactions,23. My financial details has been accessed by unauthorised persons via my mobile phone,24. I share my phone with friends and family,25. I use the same PIN for my phone and MFS,26. I forget my MFS PIN,27. I write down my MFS PIN or secret questions somewhere in my phone so I don’t forget,28. Please select the indiPhone M3or that you agree with the most for each item in the table below,28.1.a. PIN authentiPhone M3ion is sufficient for me to access my MFS,"28.2.a. I would need an additional level of authentiPhone M3ion to PIN, to improve my confidence in the security of my MFS",28.3.a. My bank/operator responds speedily to any fraud related issues I raise to them,28.4.a. I know what to do to ensure no one accesses my sensitive financial details in the event I lose my phone,28.5.a. I know my responsibility as a mobile account owner,28.6.a. I know the banks/operators responsibility for ensuring I use MFS securely,28.7.a. I know how to escalate any issue to the banks/operators,29. I can differentiate real Mobile apps from rouge ones,"29.a. If you selected Other, please specify:",30. Please select the indiPhone M3or that tallies the most with your knowledge level of the items in the table below,30.1.a. Ransomware,30.2.a. Spyware,30.3.a. Smishing (SMS phising),30.4.a. Mobile Malware,30.5.a. Rogue appliPhone M3ions,30.6.a. Cybersecurity,30.7.a. Data Privacy,31. I received training/ sensitization on how to use MFS before I started using it,31.a. Training/Sensitization I received was sufficient,"32. I am aware that a procedure/process exists, to guide my action in the event I misplace my phone or suspicious transactions emanate from my phone",33. No one else has access to my MFS account,34. I perform an upgrade of the Operating system I use for MFS,35. I perform an upgrade of the mobile appliPhone M3ion I use for MFS,36. The security of my MFS transaction depends on the update of my mobile phone operating system,37. The security of my MFS transaction depends on the update of the mobile phone appliPhone M3ion I use for MFS,38. I use a phone antivirus,39. I update my phone antivirus,40. I am satisfied with the reliability of the MFS,41. The MFS I use is easy to navigate,42. I am satisfied with the available help options,43. The MFS I use is visually appealing,44. The financial transactions I conduct using MFS are protected from unauthorized disclosures,45. The financial transactions I conduct using MFS are accurate and consistent throughout their life-cycle,46. The MFS service I use is available and is at the required level of performance at all times,47. I prefer a secure transaction than an easy to use MFS system,48. I will prefer an easy to use MFS than an MFS that is too complex to use because of security controls,"49. I prefer an MFS system that is easy to use, yet secure",50. I am distracted or prone to making errors when conducting MFS transactions on my phone because of (select all that apply),"50.a. If you selected Other, please specify:",51. The maximum daily transactions limit set by my bank/operator on my MFS is,"51.a. If you selected Other, please specify:",52. Please provide any additional information you might like to share based on your experience with MFS products
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Agree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,Basic,None,Basic,Basic,None,Basic,Basic,No,No,Neither Agree Nor disagree,Agree,Seldom,Seldom,Often,Often,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,">= N 501,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN,Biometry",,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Strongly Agree,Strongly Disagree,Strongly Agree,Agree,Agree,Strongly Disagree,Strongly Disagree,"Yes, based on source",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,Yes,Strongly Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Bank,,">= N 501,000",Yes,,,,,"Phone t3,Other",Phone M1,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Seldom,Seldom,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Advance,Average,Average,Average,A bit above average,A bit above average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Often,Often,Seldom,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lawyer,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M2,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Other,Automatic by the bank,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Agree,Strongly Agree,Never,Usually,Never,Seldom,Never,,Strongly Agree,Disagree,Strongly Disagree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Strongly Disagree,Neither Agree Nor disagree,Never,I don’t know,Never,Never,Seldom,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,Nil
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN",,Secure,,Disagree,Agree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Agree,Strongly Agree,Agree,Never,Seldom,Usually,Seldom,Seldom,,Agree,Disagree,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Agree,"No, I cannot differentiate",,,Basic,Basic,None,None,None,None,None,No,No,Disagree,Agree,Seldom,Seldom,Usually,Usually,Seldom,Seldom,Somewhat satisfied,Agree,Disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Agree,Agree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Government,,"N 251,000 - N 500,000",Yes,,,,,"Phone t2,Phone t3,Phone t4",,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN,Biometry",,Easy to navigate,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Basic,Basic,Average,Average,No,No,Strongly Disagree,Agree,As soon as it is available,Seldom,Seldom,Seldom,Never,Never,Extremely satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,I am good with my MFS
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Designer ,Manufacturing,,"N 251,000 - N 500,000",No,I prefer face to face transactions,,I have have better assurance of the security of my transaction,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,ICT,,"N 251,000 - N 500,000",Yes,,,,,"Phone t2,Phone t3,Phone t4",,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Neither Agree Nor disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Usually,Always,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,None
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,"Mobile Banking,Other","USSD, quickteller, teasypay",12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Disagree,Disagree,Never,Often,Never,Seldom,Never,,Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, based on look and feel",,,Average,Average,Average,Average,A bit above average,Average,A bit above average,No,No,Strongly Agree,Agree,As soon as it is available,Never,Usually,Usually,Never,Never,Not so satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Other,same transaction limit with more level of security,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M3,Mobile Banking,,6 months or less,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Seldom,Seldom,Never,Never,Never,,Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,A bit above average,A bit above average,Basic,Basic,Basic,A bit above average,Yes,Yes,Agree,Agree,Seldom,Seldom,Usually,Usually,Seldom,Seldom,Very satisfied,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Just fine,,Transaction completion time
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Disagree,Agree,Disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Disagree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Seldom,Usually,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,MFS makes banking easier
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Makeup artist ,Media,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Agree,Agree,Neither Agree Nor disagree,,Strongly Disagree,Agree,Disagree,Agree,Agree,Never,Usually,Often,Never,Never,,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,"Yes, based on look and feel",,,None,Average,Average,Basic,Average,Basic,None,No,Yes,Agree,Strongly Agree,As soon as it is available,Always,Never,Never,Never,Always,Extremely satisfied,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Government,,">= N 501,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Agree,Strongly Agree,Seldom,Seldom,Seldom,Seldom,Usually,Seldom,Very satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,None,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,"Token,PIN",,Meets my needs,,Disagree,Agree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Neither Agree Nor Disagree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on source",,,Expert,Expert,Expert,Expert,Expert,Expert,Expert,Yes,Yes,Agree,Strongly Agree,Seldom,Seldom,Seldom,Seldom,Always,Always,Very satisfied,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Soldiering,Other,Public relations,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M2,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Agree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Never,Never,Seldom,Never,Never,,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Agree,Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Average,None,None,A bit above average,None,Basic,Average,No,No,Neither Agree Nor disagree,Agree,Never,Always,Seldom,Never,Never,Never,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Just fine,,A contact is required incase of immediate help from the financial institution
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,Energy,,">= N 501,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Seldom,Always,Never,,Agree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Agree,Agree,Always,Always,Usually,Usually,Seldom,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,"Phone t3,Phone t1",,"Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Disagree,Agree,Disagree,Agree,Disagree,Agree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,Basic,Average,A bit above average,No,No,Agree,Agree,Always,Always,Always,Always,Usually,Usually,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,Token,,Other,inconsistent ,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Seldom,Usually,Never,Seldom,Never,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,A bit above average,None,Average,Average,No,No,Disagree,Neither Agree Nor disagree,Seldom,Seldom,Seldom,Seldom,Often,Usually,Not so satisfied,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Agree,Disagree,Disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Diplomat,Other,Private,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Was done for me by service provider,,Other,Sim network,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Never,Never,Seldom,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,A bit above average,No,No,Agree,Agree,Never,Never,Never,Never,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,"MFS has helped me understand online transactions a lot. It has also helped me in terms of transaction that require i go to the bank, therefore making life a lot easier and better"
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Disagree,Disagree,Disagree,Neither Agree Nor disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Often,Often,Often,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Environment of use,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,ICT,,"N 51,000 - N 100,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Strongly Agree,Strongly Agree,Disagree,Agree,Never,Never,Never,Seldom,Often,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,Advance,A bit above average,A bit above average,Advance,Advance,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Often,Usually,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Disagree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,You should be able to view records of previous transactions. 
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Seldom,Seldom,,Disagree,Agree,Agree,Agree,Agree,Disagree,Agree,"Yes, based on the website address",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Disagree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Always,Always,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,Token,,Secure,,Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Never,Never,Somewhat satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Other,None,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,Government,,"N 101,000 - N 250,000",Yes,,,,,"Phone t2,Phone t3",,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN,Biometry",,Meets my needs,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Seldom,Usually,Never,Seldom,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Expert,Expert,Expert,Advance,Expert,Expert,Yes,Yes,Agree,Agree,Seldom,Always,Usually,Usually,Never,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M4,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Seldom,Seldom,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Disagree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,A bit above average,A bit above average,A bit above average,A bit above average,Average,A bit above average,Advance,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M4,"Mobile Banking,Other",Internet Banking,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Other,USSD code,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,Token,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Seldom,Never,,Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,Average,Average,A bit above average,Average,Average,A bit above average,A bit above average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Environment of use,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Non-Governmental organisation,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN,Biometry",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Seldom,Usually,Seldom,Never,,Strongly Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Strongly Disagree,Strongly Disagree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,Yes,No,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Often,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Military,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M5,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Other,direct access on the web,"Both Wi-Fi and phone data, but more of phone data",,Other,Direct access on the web,"Token,PIN",,Other,Epileptic ,Agree,Agree,Agree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Seldom,Never,,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Strongly Disagree,Strongly Disagree,Disagree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,Average,None,Basic,Basic,Basic,No,No,Strongly Agree,Strongly Agree,As soon as it is available,It is done automatically by my service provider,Never,Usually,Never,Never,Somewhat satisfied,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,Internet and network challenges is a huge problem 
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,"Phone t3,Phone t4",,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Usually,Seldom,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,Government,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,,Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Seldom,Always,Never,Always,,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,None,Yes,Yes,Disagree,Agree,Seldom,Seldom,Usually,Usually,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,"Too relaxed, I want more with increased level of security",,keep up the good service provision
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Economist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,"Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Disagree,Agree,Strongly Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Never,Seldom,Never,Never,Usually,,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Agree,Strongly Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,None,No,No,Disagree,Agree,As soon as it is available,As soon as it is available,Usually,Always,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,ICT,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Agree,Never,Seldom,Never,Often,Usually,Seldom,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Disagree,Agree,Low battery life,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6 phone,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Neither Agree Nor disagree,Agree,Agree,,Disagree,Agree,Disagree,Agree,Agree,Never,Never,Never,Never,Never,,Agree,Agree,Disagree,Disagree,Disagree,Disagree,Disagree,"No, I cannot differentiate",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Agree,Always,Always,Usually,Usually,Never,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Disagree,Strongly Disagree,Strongly Agree,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Often,Never,Never,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Disagree,Agree,Disagree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,Average,None,None,Basic,Average,No,No,Strongly Disagree,Agree,As soon as it is available,As soon as it is available,Usually,Seldom,Never,Never,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too relaxed, I want more with increased level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M7,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,Average,Average,Average,None,Basic,Basic,Average,Yes,No,Agree,Strongly Agree,Never,Never,Seldom,Seldom,Seldom,Never,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Construction,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1 ,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Strongly Agree,Agree,Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Agree,Agree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Agree,"Yes, based on look and feel",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Never,Always,Always,Somewhat satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Complex,,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Disagree,Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Never,Seldom,Seldom,Usually,Often,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,"Yes, based on look and feel",,,Average,Basic,None,Average,None,None,Basic,No,No,Neither Agree Nor disagree,Disagree,Never,Never,Never,Usually,Seldom,Usually,Somewhat satisfied,Disagree,Disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Disagree,Low battery life,,"Too relaxed, I want more with increased level of security",,not fully informed
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M6 ,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Never,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Agree,Agree,Disagree,,Agree,Agree,Agree,Agree,Agree,Never,Usually,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, based on source",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Agree,Always,Always,Usually,Usually,Usually,Usually,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Environment of use,,"Too restrictive, I want more with reduced level of security",,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Civil servant ,EduPhone M3ion,,"N 51,000 - N 100,000",No,I was a user but had an experience that made me stop using the service,,I the services are more reliable,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Often,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Disagree,Disagree,I don’t know,I don’t know,Never,Never,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,None
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Researcher,,Other,Marketing Research/Consultancy Services,"N 251,000 - N 500,000",Yes,,,,,"Phone t2,Phone t3",,"Mobile Banking,Other",USSD activation,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Strongly Disagree,Strongly Disagree,Neither Agree Nor disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Never,,Agree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Average,Average,Average,Basic,Basic,A bit above average,No,No,Agree,Strongly Agree,Seldom,Never,Never,Never,Never,Never,Extremely satisfied,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,Disagree,Neither Agree Nor disagree,Agree,Strongly Agree,"Weak network strength or poor network connectivity,Other",Intermitent timing out of site,Just fine,,Ones experience using MFS depends largely on the provider (bank). Some banks are secured and less complex while others are very complex with similar level of security. Technical challenges are still very much associated with some banks while others are a bit more advanced 
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Strongly Agree,Disagree,Neither Agree Nor Disagree,Agree,Strongly Agree,Strongly Agree,Disagree,"Yes, based on the website address",,,None,Basic,None,Basic,None,Basic,Basic,Yes,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Seldom,Never,Never,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Strongly Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Never,Never,Seldom,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Agree,Disagree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Disagree,Agree,Never,Never,Never,Never,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Agriculture,,">= N 501,000",Yes,,,,,Other,Phone M8,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Disagree,Strongly Agree,Disagree,Strongly Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Agree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Seldom,Often,Often,Always,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,None.
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M1 Note 3,Mobile Banking,,12 months and beyond,Ease of use,,I am not sure,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,Yes,Yes,Disagree,Agree,Never,Never,Never,Never,Never,Never,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,Improved network connectivity
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Military,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M2,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Disagree,Strongly Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Seldom,,Agree,Neither Agree Nor Disagree,Agree,Agree,Disagree,Disagree,Neither Agree Nor Disagree,"Yes, based on look and feel",,,Basic,Basic,Basic,Average,Average,Average,Average,No,No,Disagree,Strongly Agree,Seldom,Seldom,Often,Often,Always,Always,Not so satisfied,Agree,Neither Agree Nor disagree,Agree,Disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,I need MFS with more security
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Other,code,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Neither Agree Nor Disagree,Disagree,Seldom,Seldom,Never,Seldom,Never,,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Agree,Agree,"No, I cannot differentiate",,,Basic,Basic,None,None,None,Basic,Basic,Yes,No,Neither Agree Nor disagree,Agree,I don’t know,I don’t know,Usually,Usually,Seldom,Usually,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"Environment of use,Weak network strength or poor network connectivity",,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"PIN,Biometry",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Never,Never,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,Advance,A bit above average,No,No,Agree,Agree,As soon as it is available,Always,Seldom,Usually,Seldom,Usually,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Farmer,,Agriculture,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Agree,Never,Often,Never,Never,Never,,Agree,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Agree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,No,Disagree,Strongly Agree,Seldom,Never,Never,Always,Seldom,Always,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,">= N 501,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, based on the website address",,,Basic,Basic,Basic,Basic,Average,Average,Average,No,No,Agree,Agree,Seldom,Seldom,Seldom,Usually,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,"On average, I am satisfied with MFS operations but, can be improved further."
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Bank,,"N 251,000 - N 500,000",No,Other,Concerns on End-Point Security,I have have better assurance of the security of my transaction,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,ICT,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M8 ,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Secure,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Agree,Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Neither Agree Nor disagree,Agree,Always,It is done automatically by my service provider,Seldom,Often,Always,Often,Extremely satisfied,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,I have none to share..
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, based on look and feel",,,Average,Average,Average,A bit above average,Average,A bit above average,Average,No,No,Agree,Agree,Always,Always,Seldom,Never,Seldom,Never,Very satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Other,I am NOT,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,"Token,PIN",,Easy to navigate,,Disagree,Agree,Agree,Disagree,,Disagree,Strongly Agree,Agree,Strongly Disagree,Strongly Disagree,Never,Usually,Seldom,Seldom,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Average,Average,Average,Average,A bit above average,Advance,No,No,Agree,Strongly Agree,Never,Never,Usually,Never,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Health Worker,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M9,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Disagree,Never,Seldom,Seldom,Never,Seldom,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,Average,None,Average,Basic,Average,Average,No,No,Neither Agree Nor disagree,Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Somewhat satisfied,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Disagree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,Government,,">= N 501,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Often,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,Average,Basic,None,Basic,Average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Never,Never,Very satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Other,None,Just fine,,none
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Strongly Disagree,Agree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,Never,Usually,Never,Never,Usually,,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,Average,A bit above average,Average,A bit above average,A bit above average,No,No,Agree,Strongly Agree,As soon as it is available,It is done automatically by my service provider,Often,Often,Never,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,it would be better if the amount in figures also displays in words in case extra 0 was added in the amount.
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Medical Doctor,,Health,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,I am not sure,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Strongly Agree,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Seldom,Seldom,Never,Seldom,Usually,,Agree,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Neither Agree Nor Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,None,No,No,Disagree,Disagree,Seldom,Seldom,Seldom,Never,Usually,Usually,Not at all satisfied,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Disagree,Disagree,Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,Convinient but insecure 
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M10,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN,Biometry",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Strongly Agree,Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,Average,A bit above average,A bit above average,Average,No,No,Agree,Agree,As soon as it is available,Seldom,Usually,Always,Always,Always,Very satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"Environment of use,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Economist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN,Biometry",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Never,Seldom,Usually,Never,Never,,Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,Average,A bit above average,Average,No,No,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Seldom,Seldom,Very satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Disagree,Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Librarian,Non-Governmental organisation,,"N 101,000 - N 250,000",No,I am not comfortable with Phone M5logy,,I have have better assurance of the security of my transaction,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Bank,,">= N 501,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Agree,Strongly Agree,It is done automatically by my service provider,As soon as it is available,Seldom,Seldom,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Never,,Agree,Disagree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,"No, I cannot differentiate",,,Average,Average,Average,Basic,Basic,Average,Average,No,No,Strongly Agree,Strongly Agree,I don’t know,I don’t know,Usually,Always,Seldom,Usually,Extremely satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,TelecommuniPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M11,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Usually,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Basic,Basic,Basic,Average,A bit above average,A bit above average,No,No,Disagree,Strongly Agree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Never,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Never,,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,"Yes, based on source",,,None,None,Basic,None,Basic,None,A bit above average,No,No,Neither Agree Nor disagree,Strongly Agree,It is done automatically by my service provider,It is done automatically by my service provider,Seldom,Never,Never,Never,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Agree,Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,None
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lawyer,,Government,,">= N 501,000",Yes,,,,,Other,Phone M6,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Seldom,Never,Never,,Agree,Disagree,Agree,Disagree,Agree,Neither Agree Nor Disagree,Agree,"Yes, based on look and feel",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Usually,Usually,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Health Worker,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Usually,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Neither Agree Nor disagree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Usually,Usually,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Secure,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Agree,Strongly Agree,Strongly Agree,Agree,Never,Seldom,Seldom,Usually,Often,,Strongly Agree,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,"No, I cannot differentiate",,,None,Basic,None,None,None,Basic,Basic,No,No,Neither Agree Nor disagree,Agree,Seldom,Seldom,Seldom,Usually,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,"Phone t2,Phone t3",,Other,QUICK TELLER,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Never,Never,Never,Seldom,Seldom,,Agree,Neither Agree Nor Disagree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,"Yes, based on source",,,None,Basic,Basic,Average,Average,Average,A bit above average,No,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Often,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,NONE
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Average,Basic,Average,None,A bit above average,Average,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,Its ok with me as it is presently but there's room for more improvement
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Pharmacist,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Agree,Strongly Agree,Never,Seldom,Never,Seldom,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Disagree,Agree,Other,downloading from google app store i believe confers security.,,None,None,None,None,None,Basic,Basic,Yes,No,Agree,Strongly Agree,Never,As soon as it is available,Never,Never,Usually,Usually,Somewhat satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,Disagree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,">= N 501,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Disagree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,None,Basic,Basic,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,N/A
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Economist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,Token,,Meets my needs,,Neither Agree Nor disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Seldom,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Strongly Agree,Agree,Strongly Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,None,None,None,None,None,No,No,Disagree,Neither Agree Nor disagree,Never,Never,Seldom,Usually,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Disagree,Disagree,Disagree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Agree,Never,Never,Never,Never,Never,,Agree,Strongly Disagree,Strongly Disagree,Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,Basic,None,None,None,Basic,Basic,No,No,Strongly Agree,Agree,As soon as it is available,As soon as it is available,Often,Often,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,Real Estate,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Never,Usually,Seldom,Seldom,Often,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,Basic,Basic,None,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Often,Often,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Bank,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,Token,,Easy to navigate,,Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Average,Advance,A bit above average,Average,Average,Average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Often,Often,Usually,Often,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,air traffic controller ,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Agree,Agree,Neither Agree Nor disagree,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Never,Seldom,Never,Seldom,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,Average,A bit above average,A bit above average,A bit above average,A bit above average,Average,A bit above average,No,Yes,Neither Agree Nor disagree,Agree,As soon as it is available,As soon as it is available,Often,Usually,Never,Never,Very satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Agree,Strongly Disagree,Disagree,Never,Often,Often,Never,Seldom,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Disagree,Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Never,Never,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,Environment of use,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN,Biometry",,Secure,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Strongly Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Advance,Advance,Advance,Average,Average,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Disagree,Strongly Disagree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Entrepreneur,Small and Medium Scale Enterprises,,">= N 501,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Secure,,Disagree,Agree,Neither Agree Nor disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Disagree,Neither Agree Nor Disagree,Never,Never,Seldom,Seldom,Never,,Disagree,Agree,Agree,Strongly Disagree,Disagree,Disagree,Neither Agree Nor Disagree,"Yes, based on the website address",,,None,Basic,None,None,None,Average,Basic,No,No,Neither Agree Nor disagree,Disagree,I don’t know,I don’t know,Seldom,Seldom,Never,Never,Somewhat satisfied,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Bank,,">= N 501,000",Yes,,,,,Phone t1,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Secure,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Usually,Never,Never,Never,,Disagree,Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Usually,Usually,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Usually,Never,Often,,Agree,Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,"Yes, based on the website address",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,Yes,No,Agree,Agree,Seldom,Always,Usually,Never,Always,Always,Very satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with reduced level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Health Worker,,Health,,"N 21,000 – N 50,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,Token,,Secure,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Never,,Agree,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,Average,Average,None,Basic,Average,No,No,Agree,Neither Agree Nor disagree,It is done automatically by my service provider,It is done automatically by my service provider,Seldom,Seldom,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Consultant,,EduPhone M3ion,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,"Token,PIN",,Secure,,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Disagree,Strongly Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Seldom,Often,Never,Seldom,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,A bit above average,A bit above average,No,No,Strongly Disagree,Neither Agree Nor disagree,Always,Always,Never,Never,Usually,Usually,Not so satisfied,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with reduced level of security",,None
61 and above,"Postgraduate Degree (PGD, Msc., PhD.)",,Military,,Government,,"N 251,000 - N 500,000",No,I am not comfortable with Phone M5logy,,I have have better assurance of the security of my transaction,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,I have not tried it as a result i have no ecperience.
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,None,None,A bit above average,Basic,A bit above average,A bit above average,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Agree,Neither Agree Nor disagree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Bank,,"N 251,000 - N 500,000",Yes,,,,,"Phone t2,Phone t3",,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, based on the website address",,,Average,Average,A bit above average,A bit above average,Average,A bit above average,A bit above average,No,No,Neither Agree Nor disagree,Strongly Agree,Seldom,Seldom,Seldom,Seldom,Usually,Often,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Applicant,Non-Governmental organisation,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Other,magic number,Other,magic banking,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Agree,,Disagree,Agree,Agree,Disagree,Disagree,Never,Seldom,Often,Never,Never,,Agree,Disagree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,"Yes, based on source",,,None,Average,Advance,Advance,Advance,Advance,Advance,Yes,Yes,Disagree,Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Agree,Disagree,Disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,I see this magic banking mostly used by GTB and UBA as a very interesting avenue to make transactions brcause it is usser friendly and ypu can use any kind of phone to perform your transactions. Thank you.
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M8,"Mobile Payment (e.g paga, Ezpay),Mobile Banking,Other",Online banking,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime,Other",I prefer to deal with devices than with humans,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN,Biometry",,Easy to navigate,,Strongly Disagree,Agree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Agree,Strongly Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Disagree,Strongly Agree,Strongly Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,Average,Average,Advance,None,A bit above average,A bit above average,No,No,Neither Agree Nor disagree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Seldom,Often,Often,Always,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,I think all MFS apps should use biometry or token validation in addition to the PIN.
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Procurement Profedsional,Non-Governmental organisation,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Seldom,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, based on the website address",,,None,None,None,None,Basic,None,None,No,No,Agree,Agree,Seldom,Seldom,Never,Never,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",, Nil
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,No,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,I should be allowed to select the kind of alerts i receive
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Other,USSD Banks Code for transfers,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Agree,Agree,Strongly Agree,Disagree,Disagree,Disagree,Disagree,"No, I cannot differentiate",,,Average,Average,Average,Basic,Basic,A bit above average,Average,No,No,Disagree,Strongly Agree,Seldom,Seldom,Seldom,Seldom,Never,Never,Very satisfied,Neither Agree Nor disagree,Disagree,Agree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M12 ,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Strongly Disagree,Agree,Disagree,Strongly Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Always,Seldom,Always,,Agree,Disagree,Agree,Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,A bit above average,Basic,Basic,Basic,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,More financial operators should have MFS product.
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Bank,,">= N 501,000",No,I am not comfortable with Phone M5logy,,I the services are more reliable,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Para-Military,,Government,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Secure,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Expert,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Disagree,Strongly Agree,Other,Nil,Just fine,,Nil
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",No,I do not have a phone,,I have a smart phone,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,keep peoples hope strong on the use of mobile financial services
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,Other,Student ,"< = N 20,000",Yes,,,,,Other,Phone M12,Mobile Banking,,6 months or less,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Agree,,Disagree,Agree,Disagree,Agree,Agree,Never,Often,Usually,Seldom,Always,,Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Disagree,"Yes, based on source",,,None,None,None,None,None,None,None,No,No,Disagree,Neither Agree Nor disagree,Never,Never,Usually,Usually,Often,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Low battery life,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Economist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Secure,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Never,,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Always,Never,Never,Very satisfied,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,Agriculture,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Seldom,Seldom,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,Average,None,Average,Average,None,None,Basic,No,No,Strongly Disagree,Neither Agree Nor disagree,Seldom,Seldom,Seldom,Seldom,Seldom,Never,Somewhat satisfied,Agree,Disagree,Disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Agree,Agree,Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Energy,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Agree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Seldom,Seldom,Never,Usually,Never,,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,Yes,Neither Agree Nor disagree,Agree,Always,Always,Usually,Often,Seldom,Often,Very satisfied,Agree,Agree,Agree,Disagree,Disagree,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"Mobile App (app installed on phone),Other",I log onto the site,Token,,Secure,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Seldom,Seldom,Never,Seldom,Never,,Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Disagree,Agree,Never,Never,Seldom,Seldom,Never,Never,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Disagree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,More convenient than physical banking
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Energy,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Always,Never,Never,,Strongly Disagree,Strongly Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,Advance,No,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Very satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,Nill
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Photographer,,Media,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Strongly Agree,Disagree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Strongly Disagree,Strongly Agree,Seldom,Never,Never,Never,Never,Never,Somewhat satisfied,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,It's OK 
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,Media,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Average,A bit above average,Average,A bit above average,A bit above average,A bit above average,A bit above average,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Often,Seldom,Seldom,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Agree,Strongly Agree,Other,None,Just fine,,Its just fine
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,Other,Phone airtime.,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Agree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Always,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,A bit above average,A bit above average,A bit above average,Average,Advance,Advance,No,No,Agree,Agree,Never,Seldom,Seldom,Seldom,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,"In coming phone calls during transactions,Environment of use,Low battery life",,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Usually,Never,Never,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on the website address",,,None,None,None,None,None,None,A bit above average,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,"it is safe, secure and convenient."
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Bank,,"N 21,000 – N 50,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Other,Password,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, based on source",,,A bit above average,A bit above average,A bit above average,Advance,Advance,Advance,Advance,No,No,Agree,Agree,Never,Never,Usually,Seldom,Never,Never,Very satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Environment of use,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Humanitarian worker,Non-Governmental organisation,,"N 251,000 - N 500,000",Yes,,,,,Phone t1,,"Mobile Money (e.g teasy, readycash)",,7-12 months,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,,Disagree,Strongly Agree,Disagree,Strongly Agree,Disagree,Never,Usually,Often,Often,Never,,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Neither Agree Nor disagree,Strongly Agree,Seldom,It is done automatically by my service provider,Seldom,Usually,Usually,Never,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,Agree,Agree,Agree,Low battery life,,"Too restrictive, I want more with same level of security",,The interesting aspect of MFS is that you can use anytime especially in emergency situations
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Trader,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Agree,Agree,Strongly Agree,Disagree,,Disagree,Strongly Agree,Strongly Agree,Disagree,Agree,Never,Seldom,Never,Never,Never,,Agree,Disagree,Disagree,Disagree,Agree,Agree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Agree,Agree,Seldom,It is done automatically by my service provider,Never,Never,Seldom,Often,Not so satisfied,Agree,Disagree,Disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Construction,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M12,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Disagree,Disagree,Never,Always,Never,Never,Never,,Strongly Disagree,Agree,Disagree,Agree,Agree,Agree,Agree,"Yes, based on look and feel",,,Average,A bit above average,Basic,Basic,A bit above average,Basic,Average,No,No,Neither Agree Nor disagree,Agree,Never,Seldom,Never,Never,Never,Never,Somewhat satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,"When I send money to an unintended recipient, I am at the mercy of the recipient. There us no way of retrieving the money. Also some times payment is made, service not rendered and reversal not effected some weeks or months "
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Architect,,Construction,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M13,Mobile Banking,,6 months or less,"It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,Token,,Secure,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Average,Average,Basic,Average,Basic,Advance,No,Yes,Agree,Strongly Agree,Seldom,Seldom,Usually,Often,Often,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Low battery life",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Consultant,,ICT,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,I am not sure,,Wi-Fi only,,USSD(SMS like payment instructions e.g. *776#),,"Token,PIN",,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Strongly Disagree,Disagree,Strongly Disagree,Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Disagree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Disagree,Neither Agree Nor disagree,It is done automatically by my service provider,I don’t know,Seldom,Seldom,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,TelecommuniPhone M3ion,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M1,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Usually,Never,Never,Never,,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,Advance,Expert,No,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Seldom,Never,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,Very Good 
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Strongly Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Disagree,Strongly Disagree,"No, I cannot differentiate",,,None,None,None,Basic,None,None,None,No,No,Strongly Agree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,the interface should return to home after every successful transaction
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,ICT,,"< = N 20,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Agree,Disagree,Neither Agree Nor Disagree,Agree,Never,Often,Usually,Never,Usually,,Agree,Strongly Agree,Strongly Disagree,Agree,Agree,Agree,Disagree,"No, I cannot differentiate",,,Average,Average,Average,Average,Average,A bit above average,A bit above average,No,No,Disagree,Strongly Agree,Never,I don’t know,Often,Often,Always,Always,Extremely satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Disagree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,need more security on mobile banking
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Researcher,,EduPhone M3ion,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M5,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Disagree,Neither Agree Nor disagree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Neither Agree Nor disagree,Disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Agree,Disagree,Neither Agree Nor Disagree,Disagree,Seldom,Seldom,Usually,Seldom,Usually,,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Disagree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,Basic,None,None,No,No,Neither Agree Nor disagree,Neither Agree Nor disagree,Always,Always,Often,Always,Seldom,Seldom,Not so satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,MFS leads to ease in a lot of ways but it must be secured to avoid being hacked 
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Para-Military,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,A bit above average,None,A bit above average,Average,A bit above average,A bit above average,No,No,Agree,Agree,Seldom,Always,Usually,Usually,Always,Often,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Seldom,Never,Never,,Disagree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,Yes,Yes,Neither Agree Nor disagree,Agree,Seldom,Always,Seldom,Seldom,Seldom,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Student,,Other,Management,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M14,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Disagree,Strongly Agree,Strongly Disagree,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,Basic,None,None,Basic,Basic,No,No,Neither Agree Nor disagree,Neither Agree Nor disagree,Always,Always,Never,Never,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Secure,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Strongly Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Disagree,Strongly Agree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,Average,Basic,None,Average,No,No,Agree,Agree,Seldom,Seldom,Never,Never,Never,Never,Not so satisfied,Strongly Agree,Disagree,Neither Agree Nor disagree,Strongly Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Just fine,,A final question from bank requesting you to cross check the transaction made before posting.
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M2,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Agree,Strongly Disagree,Agree,Strongly Disagree,,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Seldom,Usually,Never,,Strongly Agree,Disagree,Neither Agree Nor Disagree,Strongly Agree,Agree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,Basic,Yes,No,Agree,Strongly Agree,Never,Never,Often,Seldom,Never,Never,Not so satisfied,Strongly Agree,Strongly Disagree,Disagree,Strongly Agree,Agree,Strongly Disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,Personally love the mfs thing however banks sometimes do bar profiles of users disenabling them to carry out transactions/mobile banking and that is pretty frustrating.
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,EduPhone M3ion officer,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M4 ,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Usually,Never,Never,Never,,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,A bit above average,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Usually,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,None
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Researcher,,ICT,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN,Other",password ,Secure,,Disagree,Agree,Disagree,Disagree,,Disagree,Strongly Agree,Agree,Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Strongly Agree,Neither Agree Nor Disagree,Agree,Strongly Disagree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,A bit above average,None,Advance,Basic,Expert,Expert,No,No,Disagree,Agree,Seldom,It is done automatically by my service provider,Often,Often,Usually,Often,Very satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,"if i creat new beneficiary, transfer to them will be done like twice before being successful. that makes me scare of transferring twice to the beneficiary."
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M13,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,Disagree,Never,Seldom,Usually,Never,Never,,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Average,Average,Average,Average,Average,Average,Yes,Yes,Strongly Agree,Strongly Agree,Seldom,Seldom,Never,Never,Always,Often,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Economist,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,Other,Mobile phone only ,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Strongly Agree,Agree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Disagree,Neither Agree Nor Disagree,Never,Never,Seldom,Never,Never,,Agree,Strongly Agree,Agree,Disagree,Disagree,Neither Agree Nor Disagree,Strongly Disagree,"No, I cannot differentiate",,,None,Basic,None,None,None,Average,Basic,No,No,Disagree,Strongly Agree,I don’t know,Never,Never,Never,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,The network is always down when i need to make an urgent transaction
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M4 ,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Neither Agree Nor Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Never,Never,Very satisfied,Agree,Disagree,Disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,There is a need to sensitize petty traders on the benefits of adopting MFA as a means of payment for goods and services. This will ensure improved sales and security of their sales.
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Artisan,,Small and Medium Scale Enterprises,,"N 51,000 - N 100,000",No,I prefer face to face transactions,,I the services are more reliable,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,it is not reliable
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Health Worker,,Non-Governmental organisation,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Always,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,Basic,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Very satisfied,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Disagree,Disagree,Agree,Low battery life,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,EduPhone M3ion,,">= N 501,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN,Biometry",,Meets my needs,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,,Disagree,Strongly Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Usually,Never,Never,,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Trader,,Real Estate,,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,"Mobile Payment (e.g paga, Ezpay)",,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Other,no special app required for the type of transaction I did,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Agree,Neither Agree Nor Disagree,Disagree,Never,Seldom,Never,Seldom,Seldom,,Agree,Agree,Disagree,Agree,Agree,Agree,Disagree,"Yes, based on look and feel",,,None,None,None,None,None,None,Basic,No,No,Agree,Neither Agree Nor disagree,Seldom,Seldom,Seldom,Seldom,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,"there is room for improvement on anything no matter how good it is presently, so therefore these serviice providers should do more to improve on what they currently have."
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Basic,Basic,Basic,Average,Basic,Basic,Yes,Yes,Strongly Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Very satisfied,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,The appliPhone M3ion I use for my bank is one of the best and very effective 
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Media practitioner,Media,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Neither Agree Nor disagree,Strongly Disagree,Strongly Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Seldom,Never,,Agree,Disagree,Strongly Agree,Agree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,A bit above average,Average,A bit above average,A bit above average,No,Yes,Strongly Agree,Strongly Agree,Always,Always,Seldom,Seldom,Seldom,Seldom,Somewhat satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,"Mobile financial service has made life easy for me, because i don't like waiting on queue's in banks."
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Government,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1 ,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Disagree,Never,Seldom,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,A bit above average,A bit above average,Yes,Yes,Strongly Agree,Agree,Seldom,Seldom,Never,Never,Always,Usually,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1 ,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Neither Agree Nor disagree,Agree,Strongly Disagree,,Disagree,Agree,Disagree,Disagree,Strongly Disagree,Never,Usually,Never,Seldom,Never,,Strongly Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Average,Advance,Advance,Advance,Average,Average,Yes,Yes,Agree,Strongly Agree,Seldom,As soon as it is available,Often,Often,Never,Never,Very satisfied,Agree,Strongly Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,I love my MFS
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,Token,,Secure,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Disagree,Never,Often,Never,Never,Never,,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Disagree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,Basic,Advance,A bit above average,Average,Basic,Advance,Yes,Yes,Strongly Agree,Strongly Agree,Never,Seldom,Often,Often,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,It is covenient but one has to be security cautious
35-44,Other,MBA,Banker,,Bank,,">= N 501,000",Yes,,,,,"Phone t2,Phone t4",,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,Yes,Yes,Agree,Agree,Seldom,Seldom,Always,Always,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,TelecommuniPhone M3ion,,">= N 501,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Seldom,Usually,Never,Seldom,Seldom,,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Basic,Basic,A bit above average,A bit above average,No,Yes,Disagree,Strongly Agree,It is done automatically by my service provider,As soon as it is available,Often,Often,Never,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Project Manager,,Non-Governmental organisation,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M2,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Never,Seldom,Usually,Seldom,Never,,Agree,Disagree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Basic,Basic,None,Basic,None,Average,Average,No,No,Disagree,Agree,Seldom,Seldom,Seldom,Often,Never,Never,Somewhat satisfied,Neither Agree Nor disagree,Disagree,Disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,The appliPhone M3ions are mostly slow
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Lawyer,,Government,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,Token,,Meets my needs,,Disagree,Agree,Disagree,Disagree,,Disagree,Agree,Agree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,Average,None,None,None,None,Basic,Basic,No,No,Disagree,Disagree,I don’t know,Seldom,Never,Seldom,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Disagree,Agree,Disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,A bit above average,A bit above average,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Medical Doctor,,Health,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Wi-Fi only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,Disagree,Never,Seldom,Seldom,Never,Never,,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, based on the website address",,,Basic,Average,Basic,Basic,Basic,Average,Average,No,No,Agree,Strongly Agree,Seldom,It is done automatically by my service provider,Never,Never,Usually,Usually,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Lawyer,,Non-Governmental organisation,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Secure,,Disagree,Neither Agree Nor disagree,Strongly Disagree,Disagree,,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Disagree,Never,Usually,Seldom,Seldom,Seldom,,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, based on look and feel",,,None,None,None,None,None,None,None,Yes,Yes,Agree,Agree,Seldom,Seldom,Often,Often,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life",,Too restrictive I want more with increased level of security,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,ICT,,"N 251,000 - N 500,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Secure,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,Advance,Advance,Advance,A bit above average,A bit above average,Advance,Advance,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,Transaction hangs or no sms confirming the transaction
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,"Mobile Money (e.g teasy, readycash)",,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Agree,Agree,Disagree,,Disagree,Agree,Agree,Agree,Agree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,Basic,Basic,Average,A bit above average,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Always,Always,Often,Very satisfied,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,None
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Project Manager,,Construction,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1,"Mobile Payment (e.g paga, Ezpay)",,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,Other,bank code,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Strongly Agree,Agree,Strongly Agree,,Strongly Agree,Agree,Agree,Agree,Agree,Never,Never,Never,Always,Seldom,,Agree,Strongly Agree,Disagree,Agree,Agree,Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,Average,Basic,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Disagree,Disagree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,let be more confedential
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Disagree,Never,Seldom,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,A bit above average,Average,Average,A bit above average,No,No,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Athlete,,Other,student,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Disagree,,Disagree,Strongly Agree,Agree,Agree,Agree,Never,Usually,Never,Never,Usually,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Disagree,Neither Agree Nor Disagree,"Yes, based on the website address",,,None,None,None,None,None,Basic,None,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Always,Always,Often,Not so satisfied,Agree,Agree,Disagree,Disagree,Disagree,Disagree,Disagree,Strongly Agree,Strongly Agree,"Environment of use,Weak network strength or poor network connectivity",,Just fine,,it saves time 
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Senior Administrative Officer,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M4,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Secure,,Strongly Disagree,Disagree,Disagree,Agree,,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Seldom,Seldom,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,"Yes, based on the website address",,,None,None,None,None,None,None,None,No,No,Strongly Disagree,Agree,I don’t know,I don’t know,Seldom,Seldom,Always,Always,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,"MFS should keep on updating and increasing the level of security, awareness, knowledge and information among customer to reduce cybercrimes"
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Trader,,General Merchandise,,"N 251,000 - N 500,000",No,Other,I use mobile financial services,I have have better assurance of the security of my transaction,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 101,000 - N 250,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,,Agree,Agree,Agree,Disagree,Neither Agree Nor Disagree,Never,Never,Never,Often,Never,,Agree,Agree,Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Expert,Advance,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Seldom,Usually,Usually,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Disagree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Quantity Surveyor,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Agree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Seldom,,Neither Agree Nor Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,nil
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1 ,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"PIN,Biometry",,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,A bit above average,Advance,Advance,Advance,Advance,Advance,No,No,Agree,Agree,As soon as it is available,Always,Usually,Usually,Usually,Usually,Very satisfied,Agree,Agree,Agree,Disagree,Agree,Agree,Disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,Its easy to navigate 
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Usually,Never,Never,,Agree,Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, based on the website address",,,None,Basic,Average,Basic,None,None,A bit above average,No,No,Strongly Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Always,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Logistician,Non-Governmental organisation,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,"Mobile Banking,Other",Internet banking,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Strongly Disagree,"Yes, based on look and feel",,,None,None,Basic,Basic,Basic,Average,A bit above average,No,No,Disagree,Agree,Never,Never,Never,Never,Never,Never,Somewhat satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Researcher,,Agriculture,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M5,"Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Disagree,Never,Seldom,Never,Never,Never,,Neither Agree Nor Disagree,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,None,No,No,Neither Agree Nor disagree,Agree,Always,Always,Seldom,Usually,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,satisfactory services
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Other,GTB mobile transfer ,12 months and beyond,It is more convenient than going to the bank,,Other,GTB guide,Other,Mobile network,Other,Mobile ,PIN,,Other,simple ,Agree,Agree,Agree,Disagree,,Strongly Agree,Disagree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Average,Average,Average,Average,Average,Average,No,No,Strongly Agree,Strongly Agree,Never,Never,Often,Often,Never,Usually,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,Network Problem
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,Other,Criminology and security studies ,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Agree,Strongly Agree,Never,Often,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Average,None,None,None,None,Basic,Basic,No,No,Strongly Disagree,Strongly Agree,Never,Never,Never,Never,Often,Usually,Very satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Disagree,Strongly Agree,Environment of use,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,"Phone t4,Other",Phone M1,"Mobile Payment (e.g paga, Ezpay),Mobile Banking,Other",USSD,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime,Other","Fast, and provides indiscriminate service",Other,"Download, USSD",Other,"Wifi, Phone data and USSD","USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Other,"Easy to navigate, meets my needs and secure",Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Agree,Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, it is on the FAQ from my bank/Operator",,,Expert,Average,Expert,Expert,Expert,Expert,Expert,No,No,Strongly Agree,Strongly Agree,Never,As soon as it is available,Never,Never,Never,Never,Somewhat satisfied,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Disagree,Strongly Agree,Other,None,"Too restrictive, I want more with same level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Para-Military,,Government,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Disagree,Agree,Never,Never,Never,Never,Never,,Agree,Strongly Disagree,Disagree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,Average,Basic,Average,Average,No,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Extremely satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,easy to use and less stress
35-44,Other,NCE,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Agree,Agree,Neither Agree Nor disagree,Agree,,Agree,Strongly Agree,Agree,Agree,Agree,Never,Seldom,Never,Usually,Never,,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Disagree,Agree,Disagree,"No, I cannot differentiate",,,Basic,None,None,None,None,Basic,Average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Often,Always,Always,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Architect,,Construction,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN,Biometry",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Often,Never,Seldom,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, based on source",,,None,None,None,None,None,Basic,Basic,No,No,Disagree,Agree,Seldom,Seldom,Often,Often,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Just fine,,Cases of double debiting should be checked.
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Journalist ,Media,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M13,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Usually,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,A bit above average,A bit above average,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Usually,Very satisfied,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,Primary School CertifiPhone M3e,,Researcher,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Usually,Never,Never,Never,,Agree,Agree,Agree,Disagree,Agree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Disagree,Agree,Never,Never,Never,Never,Usually,Usually,Very satisfied,Agree,Disagree,Agree,Agree,Disagree,Agree,Agree,Agree,Agree,Environment of use,,"Too relaxed, I want more with increased level of security",,Average
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Agree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,Average,Basic,Average,Basic,Yes,Yes,Strongly Agree,Strongly Agree,Always,Always,Usually,Often,Usually,Usually,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,network should always be on point for emergency purposes sometimes 
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Architect,,Construction,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Agree,Agree,Disagree,,Disagree,Agree,Agree,Disagree,Agree,Never,Usually,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,None,Average,None,Basic,Basic,No,No,Neither Agree Nor disagree,Agree,Never,Never,Never,Never,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Construction,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M14,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,Neither Agree Nor Disagree,Never,Never,Never,Seldom,Never,,Strongly Agree,Strongly Disagree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,"No, I cannot differentiate",,,Basic,Average,Average,Average,Basic,Average,A bit above average,No,No,Neither Agree Nor disagree,Strongly Agree,Seldom,Seldom,Often,Often,Never,Never,Somewhat satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,Average,Average,Yes,Yes,Agree,Agree,Seldom,Seldom,Seldom,Seldom,Never,Seldom,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,GTbank *737# campaign is on point
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Agree,Disagree,Disagree,,Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Often,Never,Never,Never,,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,A bit above average,Expert,Advance,A bit above average,Advance,Advance,No,No,Strongly Agree,Agree,Seldom,Always,Seldom,Seldom,Usually,Usually,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life",,Too restrictive I want more with increased level of security,,like using MFS FOR MY TRANSACTION
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M2,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Seldom,,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,"Yes, based on look and feel",,,Basic,Basic,Basic,Average,Basic,Basic,Basic,No,No,Disagree,Agree,Never,Never,Seldom,Usually,Usually,Usually,Somewhat satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,At times transactions dont just get through even after several trials
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Artist,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Never,Seldom,Often,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Strongly Disagree,Disagree,Strongly Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Seldom,Never,Never,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Disagree,Agree,Agree,Strongly Disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Trader,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Disagree,Disagree,Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Agree,Strongly Disagree,Disagree,"No, I cannot differentiate",,,None,None,Average,None,None,None,None,No,No,Strongly Disagree,Agree,As soon as it is available,As soon as it is available,Never,Never,Seldom,Always,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Volunteer,Non-Governmental organisation,,"N 21,000 – N 50,000",No,Other,Lost my phone and details ,Other,If income increase ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
18-24,Secondary School CertifiPhone M3e,,Student,,ICT,,"< = N 20,000",Yes,,,,,"Phone t1,Other",Phone M12,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Disagree,Agree,Disagree,Disagree,,Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Often,Never,Always,Never,,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,None,Basic,Basic,None,Basic,Basic,No,No,Neither Agree Nor disagree,Agree,Never,Never,Never,Never,Often,Often,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Just fine,,"MFS makes banking so easy, you can use it anyway as far as there is network."
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Public servant,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Strongly Agree,Disagree,Strongly Agree,Strongly Disagree,Strongly Agree,Strongly Agree,Disagree,"Yes, based on source",,,A bit above average,A bit above average,A bit above average,None,None,None,None,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,I don’t know,I don’t know,Usually,Usually,Usually,Usually,Very satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,Its very convenient
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Energy,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Average,Average,No,No,Strongly Agree,Agree,Never,As soon as it is available,Never,Never,Often,Always,Very satisfied,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,the use of mgs helps me to manage my time wisely
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Researcher,,ICT,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Strongly Disagree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,"Yes, based on look and feel",,,Basic,Average,A bit above average,A bit above average,None,A bit above average,A bit above average,Yes,Yes,Agree,Strongly Agree,I don’t know,Never,Never,Never,Never,Never,Extremely satisfied,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Just fine,,"I think you should have asked if am using different types of MFS apps for different banks am operating. I have multiple bank account but only one of such MFS App from one of the banks is good to use for me, I don't  like others because they are not user friendly at all. "
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Student,,ICT,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M5 ,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Secure,,Strongly Disagree,Disagree,Strongly Disagree,Agree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Never,Usually,Never,Never,,Agree,Disagree,Agree,Disagree,Agree,Strongly Agree,Disagree,"Yes, based on the website address",,,None,Basic,Average,Basic,None,Basic,Average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M2,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"PIN,Biometry",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Agree,Never,Seldom,Never,Never,Never,,Disagree,Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,None,Average,Average,A bit above average,Average,Yes,Yes,Strongly Agree,Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Always,Always,Somewhat satisfied,Strongly Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Disagree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,"in trying to increase the level of security,after major transaction, u will be sent a code to use to send an sms to your bank comfirming the transaction. Due to network issues, sometimes one finds it difficult to finalize that part of the transaction and there by unable to complete the transaction. "
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Computer Scientists ,Other,Database ,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Disagree,Disagree,Agree,Agree,Never,Often,Never,Never,Usually,,Disagree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, based on source",,,Average,Advance,Basic,A bit above average,Expert,Expert,Advance,Yes,Yes,Agree,Agree,As soon as it is available,It is done automatically by my service provider,Always,Always,Always,Always,Very satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Just fine,,MFS  is of very nice to use and easy affordable 
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Media,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,"Mobile Money (e.g teasy, readycash)",,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Usually,Never,Seldom,,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,None,Average,Average,Average,Average,A bit above average,A bit above average,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Seldom,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,Yes,Yes,Agree,Strongly Agree,Seldom,Seldom,Usually,Usually,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Marine Oil and Gas,Energy,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Disagree,Disagree,Agree,Disagree,,Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,None,No,No,Strongly Agree,Strongly Agree,Never,Never,Never,Never,Always,Always,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,In coming phone calls during transactions,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,ICT,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,"Mobile Banking,Other",Quickteller,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone),Other",Web Browser,"Token,PIN",,Easy to navigate,,Disagree,Agree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Always,Never,Never,Somewhat satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Disagree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,"While security is my major concern, I am also put off by the frequent unavailability of the service."
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,ICT,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Never,Usually,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Average,None,None,None,A bit above average,A bit above average,No,No,Neither Agree Nor disagree,Agree,Never,Seldom,Usually,Usually,Seldom,Usually,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,pls send me my filled form to alademartha@gmail.com. . I woukdbreakly apprecuate having spent 20 minutes of my life to fill this form
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Quantity Surveyor,Construction,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Agree,Agree,Strongly Disagree,,Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,Never,Seldom,Never,Never,Never,,Disagree,Strongly Agree,Disagree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,Basic,None,Average,Basic,Average,Average,No,No,Agree,Strongly Agree,I don’t know,Seldom,Never,Seldom,Often,Usually,Somewhat satisfied,Agree,Disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Strongly Disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Government,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M13,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Seldom,Never,Never,Never,Never,,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,None,No,No,Disagree,Agree,Never,Seldom,Seldom,Never,Never,Never,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Disagree,Neither Agree Nor disagree,Weak network strength or poor network connectivity,,Just fine,,I really wish there's a better way of protecting MFS and curbing fraudsters. 
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"< = N 20,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash)",,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Strongly Disagree,Strongly Disagree,Disagree,Disagree,Never,Never,Seldom,Never,Always,,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Advance,Expert,Advance,Advance,Advance,Yes,Yes,Strongly Agree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Always,Usually,Never,Never,Very satisfied,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
18-24,Diploma,,Student,,Other,Earth scientist ,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Disagree,Neither Agree Nor disagree,Agree,Strongly Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Never,Often,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Strongly Agree,Seldom,Always,Usually,Usually,Usually,Usually,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M15,"Mobile Money (e.g teasy, readycash)",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank",,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Agree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Strongly Agree,Never,Seldom,Never,Never,Never,,Agree,Disagree,Agree,Strongly Agree,Agree,Agree,Strongly Agree,"Yes, based on look and feel",,,None,Basic,A bit above average,A bit above average,Average,Basic,Basic,Yes,Yes,Strongly Agree,Strongly Agree,Seldom,Seldom,Always,Always,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,immediate block of suspected fraud
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1 ,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Agree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Advance,Expert,Advance,Expert,Advance,Expert,Advance,Yes,Yes,Agree,Strongly Agree,As soon as it is available,Always,Usually,Usually,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Environment of use,,Just fine,,Very convenient 
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,Other,school,"< = N 20,000",Yes,,,,,Phone t1,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Disagree,Strongly Disagree,Disagree,Strongly Agree,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Always,Never,Often,Never,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,A bit above average,None,Expert,None,None,A bit above average,None,No,No,Neither Agree Nor disagree,Strongly Agree,I don’t know,As soon as it is available,Always,Always,Often,Often,Somewhat satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with reduced level of security",,I think answer all i might asked
18-24,Diploma,,Student,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Strongly Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Often,Never,Never,Often,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Average,Average,A bit above average,A bit above average,Basic,No,No,Strongly Agree,Strongly Agree,Always,Always,Usually,Usually,Always,Always,Very satisfied,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Disagree,Disagree,Disagree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Diploma,,Student,,ICT,,"< = N 20,000",Yes,,,,,Other,Phone M2,Mobile Banking,,12 months and beyond,lower cost of transaction compared to other means,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Secure,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Agree,Never,Often,Never,Seldom,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor Disagree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,Basic,None,Average,Average,Basic,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Often,Always,Extremely satisfied,Strongly Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,am statisfied 
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Nurse,,Health,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Disagree,,Disagree,Strongly Agree,Strongly Agree,Disagree,Agree,Seldom,Usually,Never,Never,Never,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,"Yes, based on source",,,None,None,None,None,None,Average,A bit above average,Yes,No,Strongly Agree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Often,Usually,Always,Always,Somewhat satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,Good with top security
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M2,Other,Money transfers and VTU,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Other,USSD,Other,Neither Data nor Wi-Fi,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Disagree,Disagree,Agree,Never,Seldom,Never,Never,Never,,Strongly Agree,Disagree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,Average,A bit above average,A bit above average,Average,A bit above average,A bit above average,No,No,Neither Agree Nor disagree,Strongly Agree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Never,Never,Never,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,The use of Phone M5logy in Banking transactions is pretty fine.
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Military,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,"Phone t2,Phone t3",,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Often,Seldom,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,None,Basic,Basic,Basic,Basic,Yes,Yes,Agree,Agree,Always,Always,Usually,Usually,Usually,Usually,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Neither Agree Nor disagree,Agree,Environment of use,,"Too restrictive, I want more with same level of security",,Its very easy and convinient as far as am concerned
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Seldom,Never,Never,,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,"Yes, based on look and feel",,,None,None,None,Basic,None,Basic,Basic,No,No,Disagree,Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Often,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M13,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Disagree,Strongly Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Never,Never,Never,Never,Seldom,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Strongly Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Expert,Expert,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Always,Often,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,"I will say i am satisfied with all MSF products i used,  and the financial institutions have been doing a great job of ensuring quality services with adequate security "
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,TelecommuniPhone M3ion,,"N 251,000 - N 500,000",Yes,,,,,"Phone t3,Other",Phone M8,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Disagree,Agree,Disagree,Disagree,,Disagree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Often,Always,Never,Never,,Agree,Strongly Agree,Agree,Agree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Expert,Expert,Expert,Expert,Expert,Expert,No,No,Agree,Agree,It is done automatically by my service provider,It is done automatically by my service provider,Often,Often,Often,Often,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,Safeway
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Agree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,ok
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,Government,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Agree,Agree,Agree,Never,Never,Never,Never,Usually,,Strongly Agree,Disagree,Agree,Agree,Agree,Strongly Disagree,Agree,"No, I cannot differentiate",,,None,None,Basic,None,None,None,None,No,No,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,Thanks
25-34,Other,Associate Chartered Accountant,Accountant,,ICT,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M16,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Other,BANKING CODE,Other,USSD,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Neither Agree Nor Disagree,Agree,"Yes, based on look and feel",,,Basic,Basic,None,None,None,None,Basic,Yes,Yes,Neither Agree Nor disagree,Disagree,I don’t know,I don’t know,Seldom,Never,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,I use GTB USSD option; good although no provision for remarks on transaction.
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,7-12 months,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Agree,Disagree,Disagree,Disagree,Disagree,Never,Never,Seldom,Usually,Seldom,,Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Average,Basic,Basic,Average,Basic,Basic,No,Yes,Disagree,Agree,Never,Never,Often,Usually,Never,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,EduPhone M3ion,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M6 ,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Usually,Never,Never,Never,,Strongly Agree,Strongly Disagree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Expert,Expert,Advance,No,No,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Often,Usually,Very satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
18-24,Diploma,,Student,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Phone t2,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Secure,,Agree,Agree,Agree,Agree,,Agree,Agree,Disagree,Neither Agree Nor Disagree,Strongly Agree,Never,Usually,Always,Never,Always,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,Basic,Average,Expert,Basic,No,No,Agree,Agree,It is done automatically by my service provider,I don’t know,Always,Always,Always,Always,Very satisfied,Agree,Agree,Agree,Disagree,Agree,Agree,Disagree,Agree,Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
35-44,Other,"RN,RM certifiPhone M3e",Health Worker,,Health,,"N 101,000 - N 250,000",No,I do not believe my money will be secure with the service,,I have have better assurance of the security of my transaction,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,attitude of bank staff when u have issues mobile banking e.g epayment of healthworkers after immunisation prog
18-24,Secondary School CertifiPhone M3e,,Student,,Non-Governmental organisation,,"< = N 20,000",No,I prefer face to face transactions,,I have have better assurance of the security of my transaction,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,cyber security need to be standardized in order to convince people who don't have interest in using MFS to use it. 
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",No,I do not believe my money will be secure with the service,,I the services are more reliable,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Agree,"Yes, based on source",,,Basic,None,Basic,None,Basic,Basic,None,No,No,Agree,Strongly Agree,I don’t know,As soon as it is available,Always,Always,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
18-24,Diploma,,Student,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Disagree,Disagree,Disagree,Neither Agree Nor disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Usually,Never,Never,Usually,,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,A bit above average,Advance,None,Average,Advance,No,No,Agree,Agree,Never,Never,Often,Usually,Often,Often,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Disagree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,my experience with MFS is just great 
18-24,Secondary School CertifiPhone M3e,,Student,,Manufacturing,,"< = N 20,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,"Token,PIN",,Easy to navigate,,Strongly Disagree,Agree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Seldom,Usually,Usually,Seldom,Seldom,,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Strongly Agree,Disagree,"Yes, based on source",,,Average,A bit above average,None,Advance,A bit above average,A bit above average,Average,No,No,Agree,Strongly Agree,Always,Always,Often,Always,Usually,Always,Very satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Agree,"In coming phone calls during transactions,Environment of use,Low battery life",,"Too restrictive, I want more with same level of security",,+2348135304259
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Health Worker,,Health,,"N 251,000 - N 500,000",No,I do not believe my money will be secure with the service,,I the services are more reliable,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Advance,A bit above average,Advance,A bit above average,Advance,Advance,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Often,Always,Always,Somewhat satisfied,Agree,Agree,Agree,Disagree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Insurance executive,Insurance,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Neither Agree Nor Disagree,Disagree,Agree,Disagree,Disagree,"Yes, based on look and feel",,,None,None,None,None,Basic,Basic,None,No,No,Strongly Disagree,Strongly Agree,Seldom,As soon as it is available,Never,Always,Never,Never,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,Agriculture,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Agree,Disagree,Agree,Never,Never,Often,Never,Never,,Agree,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,"Yes, based on look and feel",,,None,None,None,None,None,None,None,No,No,Disagree,Agree,Seldom,Seldom,Never,Never,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Strongly Agree,Strongly Agree,Disagree,,Disagree,Agree,Strongly Agree,Disagree,Disagree,Never,Usually,Often,Often,Often,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,Basic,No,No,Neither Agree Nor disagree,Neither Agree Nor disagree,It is done automatically by my service provider,It is done automatically by my service provider,Often,Often,Never,Never,Not so satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,"most of the MFS are not efficient, I usually got error message on the process of performing transactions some time my account will be debited while the pop message is showing not successful transaction."
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,Government,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M17,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Disagree,Agree,Agree,Disagree,,Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Disagree,Disagree,Neither Agree Nor Disagree,Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,"No, I cannot differentiate",,,Basic,Basic,None,None,None,Basic,Average,No,No,Agree,Agree,It is done automatically by my service provider,As soon as it is available,Always,Often,Seldom,Seldom,Very satisfied,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Disagree,Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,Good
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Actor/Actress,,Entertainment and Life Style,,"N 21,000 – N 50,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, based on the website address",,,Average,Average,Average,Average,Average,Average,Average,No,Yes,Neither Agree Nor disagree,Agree,Seldom,As soon as it is available,Seldom,Seldom,Usually,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Clergy,,Non-Governmental organisation,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M17,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,I am not sure,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Agree,Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Agree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,Average,Average,Average,Average,Basic,Average,Average,No,No,Agree,Disagree,Seldom,Never,Never,Never,Seldom,Seldom,Somewhat satisfied,Agree,Disagree,Disagree,Neither Agree Nor disagree,Disagree,Disagree,Agree,Disagree,Agree,Other,Repeated attemt without succes,Too restrictive I want more with increased level of security,,"Most times, network quality is the major challenge for me"
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Researcher,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M18,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Strongly Disagree,Neither Agree Nor disagree,Strongly Disagree,Strongly Disagree,,Neither Agree Nor Disagree,Strongly Agree,Agree,Strongly Disagree,Disagree,Never,Seldom,Seldom,Seldom,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on source",,,Average,Average,Advance,Average,A bit above average,Average,Advance,No,No,Agree,Disagree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Never,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Disagree,Strongly Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,More better security
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,corp member,Non-Governmental organisation,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on the website address",,,Expert,Advance,Expert,Expert,Expert,Expert,Expert,No,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Extremely satisfied,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,none
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Actor/Actress,,Media,,"N 51,000 - N 100,000",No,I prefer face to face transactions,,I get get more guidance from the service provider,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,none
25-34,Diploma,,Para-Military,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,"Mobile Banking,Other",Quickteller ,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN,Biometry",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Often,Seldom,Seldom,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,Advance,A bit above average,Advance,Advance,Advance,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Often,Often,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,"Environment of use,Weak network strength or poor network connectivity,Other",Complexity ,Just fine,,Just ok for me
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Never,Seldom,,Agree,Neither Agree Nor Disagree,Agree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Basic,None,Basic,Average,No,Yes,Neither Agree Nor disagree,Strongly Agree,Never,Seldom,Usually,Usually,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,"Environment of use,Weak network strength or poor network connectivity",,Just fine,,It is convenient to use and cost effective
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,Other,no job,"< = N 20,000",Yes,,,,,Other,Phone M5,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Other,USSD ,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Agree,Agree,Agree,Agree,Agree,Seldom,Never,Never,Never,Never,,Agree,Strongly Agree,Agree,Agree,Agree,Agree,Strongly Agree,"Yes, based on source",,,None,None,None,None,None,None,None,No,No,Agree,Neither Agree Nor disagree,Seldom,Seldom,Usually,Usually,Never,Usually,Extremely satisfied,Neither Agree Nor disagree,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Disagree,Disagree,Disagree,Disagree,Low battery life,,"Too relaxed, I want more with increased level of security",,none
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Clergy,,Non-Governmental organisation,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M13,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Disagree,Strongly Agree,Never,Never,Always,Always,Often,Often,Very satisfied,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Agree,Neither Agree Nor disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, based on source",,,Basic,Basic,None,None,None,Basic,Basic,No,No,Agree,Agree,Seldom,Seldom,Usually,Usually,Seldom,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Artist,,Entertainment and Life Style,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Seldom,Always,Seldom,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Strongly Agree,Agree,Never,Seldom,Usually,Often,Usually,Usually,Somewhat satisfied,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Disagree,"Environment of use,Low battery life",,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Entrepreneur,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,"Phone t2,Phone t3",,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Disagree,Agree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Agree,Agree,Strongly Disagree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,None,None,None,None,None,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Seldom,Seldom,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"PIN,Biometry",,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Disagree,Disagree,Strongly Agree,Agree,Disagree,Strongly Disagree,Agree,"No, I cannot differentiate",,,Advance,Advance,A bit above average,A bit above average,Basic,Average,Average,No,No,Neither Agree Nor disagree,Strongly Agree,Seldom,Seldom,Seldom,Seldom,Usually,Often,Very satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,Consider offering services in diverse languages 
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Disagree,,Disagree,Agree,Agree,Agree,Agree,Never,Seldom,Often,Never,Never,,Agree,Agree,Disagree,Agree,Agree,Agree,Agree,"Yes, based on source",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Disagree,Agree,Seldom,Seldom,Often,Often,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,Energy,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Average,Average,Average,Average,Average,Average,No,No,Neither Agree Nor disagree,Agree,Seldom,Seldom,Usually,Usually,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Environment of use,,Too restrictive I want more with increased level of security,,
35-44,Other,Islamic Finanace Professional,Other,Public Service,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,"Phone M4, Phone M6","Mobile Payment (e.g paga, Ezpay)",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,"Token,PIN",,Meets my needs,,Disagree,Disagree,Agree,Disagree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Never,Never,Never,Seldom,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Strongly Disagree,Strongly Agree,It is done automatically by my service provider,As soon as it is available,Seldom,Usually,Usually,Always,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Public Servant,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Agree,Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Never,Seldom,Often,Never,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,Basic,Average,Advance,None,None,Basic,A bit above average,No,No,Agree,Agree,Always,Always,Usually,Usually,Usually,Usually,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,MFS are convinient for banking transactions and needs enhanced security in a Phone M5logical dynamic environment
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Clergy,,Other,Religious ,"N 21,000 – N 50,000",No,Other,Not yet willing to do mfs,I have have better assurance of the security of my transaction,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,None 
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Seldom,Seldom,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,Average,Average,Average,Average,None,Average,Average,No,No,Agree,Agree,Seldom,Seldom,Often,Usually,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Economist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Other,installed by bank staff,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, based on look and feel",,,Average,Average,A bit above average,Average,A bit above average,A bit above average,A bit above average,No,No,Agree,Strongly Agree,Never,Never,Seldom,Seldom,Usually,Often,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too relaxed, I want more with increased level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,A bit above average,No,No,Agree,Agree,Always,I don’t know,Never,Never,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Government,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,None,Average,None,Basic,Average,A bit above average,Yes,No,Agree,Agree,Seldom,As soon as it is available,Seldom,Seldom,Usually,Seldom,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,"Token,PIN",,Secure,,Disagree,Agree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Average,Average,None,A bit above average,A bit above average,No,No,Agree,Agree,Seldom,Seldom,Never,Usually,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,NA
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,">= N 501,000",No,I do not believe my money will be secure with the service,,I have have better assurance of the security of my transaction,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,un availability of the netork provider
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M2,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Agree,Strongly Agree,Disagree,,Agree,Strongly Agree,Strongly Agree,Disagree,Disagree,Seldom,Always,Never,Seldom,Never,,Agree,Strongly Agree,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Strongly Agree,Disagree,"Yes, based on look and feel",,,Average,Average,Average,Average,Average,Average,Average,No,No,Neither Agree Nor disagree,Agree,It is done automatically by my service provider,It is done automatically by my service provider,Usually,Usually,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Government,,">= N 501,000",Yes,,,,,Other,Phone M4,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Other,using the USSD of my bank which is *737* for GTBank,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,Disagree,Never,Seldom,Usually,Seldom,Never,,Strongly Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,Agree,Agree,"Yes, based on the website address",,,A bit above average,A bit above average,Average,Basic,Basic,Average,Basic,Yes,Yes,Disagree,Neither Agree Nor disagree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Usually,Seldom,Usually,Somewhat satisfied,Strongly Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Manufacturing,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Agree,Never,Often,Never,Never,Never,,Strongly Agree,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,A bit above average,Advance,Average,A bit above average,Average,A bit above average,Advance,Yes,Yes,Strongly Agree,Strongly Agree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Never,Often,Never,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,Limit of withdrawals should be check to minimize risk
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Agree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Strongly Agree,Strongly Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,None,No,No,Agree,Strongly Agree,Never,Never,Never,Never,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,"Environment of use,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,"Phone t3,Phone t1",,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Disagree,Never,Seldom,Seldom,Never,Never,,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,Yes,Agree,Strongly Agree,Always,Always,Usually,Usually,Always,Always,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,">= N 501,000",Yes,,,,,"Phone t2,Phone t1,Other",Phone M13,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN,Biometry",,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Disagree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,Yes,Yes,Agree,Agree,Always,Always,Often,Often,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Low battery life,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Agree,Agree,Disagree,,Disagree,Strongly Agree,Agree,Disagree,Strongly Agree,Never,Never,Seldom,Never,Always,,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Average,Basic,Basic,Basic,Basic,Average,Basic,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Seldom,Often,Never,Never,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,">= N 501,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN,Biometry",,Secure,,Strongly Disagree,Strongly Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Strongly Disagree,Strongly Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Average,Basic,Advance,A bit above average,No,No,Agree,Strongly Agree,Always,Always,Always,Always,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,There is none
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,"Token,PIN",,Secure,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,Advance,Advance,No,No,Neither Agree Nor disagree,Strongly Agree,I don’t know,Seldom,Usually,Usually,Never,Never,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,none
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Phone M3erer,Small and Medium Scale Enterprises,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M4,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,Yes,Agree,Agree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Never,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,General Merchandise,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Never,Never,,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,Yes,Neither Agree Nor disagree,Agree,As soon as it is available,Always,Seldom,Often,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,foreign service national (FSN),Government,,">= N 501,000",Yes,,,,,Phone t2,,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"PIN,Biometry",,Secure,,Neither Agree Nor disagree,Disagree,Disagree,Neither Agree Nor disagree,,Strongly Disagree,Neither Agree Nor Disagree,Agree,Strongly Agree,Agree,Never,Never,Never,Never,Always,,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,Advance,Yes,Yes,Strongly Agree,Strongly Agree,It is done automatically by my service provider,As soon as it is available,Often,Often,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,for now i have not experience any default  in the main time
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,Government,,">= N 501,000",Yes,,,,,Other,Phone M4,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Other,Go to their website,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Other",Bank site itself,"Token,PIN",,Meets my needs,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Neither Agree Nor Disagree,Strongly Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Disagree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,None,None,Average,Average,Yes,Yes,Agree,Agree,I don’t know,Never,Seldom,Seldom,Seldom,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Strongly Disagree,Disagree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,Never,Usually,Usually,Never,Seldom,,Strongly Agree,Disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, it is on the FAQ from my bank/Operator",,,A bit above average,Average,Advance,Average,Average,Advance,Advance,Yes,Yes,Agree,Agree,Seldom,Always,Seldom,Never,Always,Usually,Very satisfied,Agree,Agree,Agree,Strongly Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,HR,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Disagree,,Strongly Disagree,Agree,Agree,Neither Agree Nor Disagree,Disagree,Never,Never,Seldom,Never,Never,,Strongly Agree,Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,Average,A bit above average,No,No,Agree,Neither Agree Nor disagree,Never,Never,Always,Always,Seldom,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,Difficult to access especially my UBA.
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,Other,Vehicle management system ,"< = N 20,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Disagree,Agree,Disagree,Agree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Usually,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, based on source",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,Yes,Agree,Agree,Always,Seldom,Never,Never,Always,Often,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M15,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Agree,Disagree,Disagree,Disagree,,Disagree,Agree,Agree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,Basic,Average,Advance,Advance,No,No,Strongly Agree,Strongly Agree,It is done automatically by my service provider,It is done automatically by my service provider,Always,Always,Never,Never,Somewhat satisfied,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,"All mobile service provider should have a tracking device for stolen phones or missing phone. The private trackers are charging N50,000.00 too much,when the amount of the old phone is less price. It's like they are encouraging theives in this Country. Thank you.  "
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Bank,,">= N 501,000",Yes,,,,,Phone t4,,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Agree,Never,Usually,Never,Never,Never,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Never,Never,Somewhat satisfied,Agree,Disagree,Agree,Agree,Agree,Disagree,Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Para-Military,,Government,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1 Hot4lte,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,Token,,Easy to navigate,,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Disagree,,Disagree,Agree,Agree,Agree,Agree,Never,Always,Always,Never,Never,,Strongly Agree,Agree,Agree,Agree,Agree,Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,Basic,None,None,None,None,Basic,No,No,Disagree,Agree,Seldom,Seldom,Never,Never,Seldom,Seldom,Not so satisfied,Neither Agree Nor disagree,Strongly Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,they some times make charges deductions even if the transaction wasn't successful 
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Entrepreneur,Manufacturing,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M13,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Agree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Seldom,Often,Never,,Strongly Agree,Agree,Agree,Disagree,Agree,Agree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,None,A bit above average,A bit above average,Yes,No,Agree,Agree,Never,As soon as it is available,Never,Never,Often,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Other,Transport services ,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Agree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,Never,Usually,Never,Seldom,Never,,Agree,Disagree,Neither Agree Nor Disagree,Disagree,Agree,Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,Average,None,A bit above average,A bit above average,Basic,A bit above average,Yes,Yes,Agree,Strongly Agree,Always,Always,Often,Often,Seldom,Usually,Very satisfied,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,"Stronger is always welcome, but not at the expense of ease of use."
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Physiotherapist ,Health,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, based on source",,,None,None,None,None,None,Basic,Basic,No,No,Neither Agree Nor disagree,Agree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Never,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,Other,International relations ,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Secure,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Agree,Strongly Agree,Never,Often,Seldom,Never,Never,,Strongly Agree,Agree,Strongly Agree,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, based on the website address",,,None,None,None,Average,None,Average,Average,No,No,Strongly Agree,Strongly Agree,I don’t know,I don’t know,Never,Never,Never,Never,Not so satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Environment of use,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, based on the website address",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Disagree,Strongly Agree,Never,Seldom,Never,Never,Seldom,Usually,Very satisfied,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,Nil
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Consultant,,Construction,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Disagree,,Strongly Disagree,Disagree,Strongly Disagree,Disagree,Strongly Disagree,Never,Never,Often,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,A bit above average,Advance,A bit above average,Basic,Advance,Advance,No,No,Agree,Strongly Agree,Always,Seldom,Usually,Usually,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,None
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Government,,"N 251,000 - N 500,000",No,I do not believe my money will be secure with the service,,I the services are more reliable,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Health Worker,,Non-Governmental organisation,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Other,i just use my browser (explorer). Phone M5 does not have gtbank in their store,"Both Wi-Fi and phone data, but more of Wi-Fi",,Other,i dont know the right response,"Token,PIN",,Secure,,Agree,Neither Agree Nor disagree,Disagree,Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Disagree,Never,Usually,Never,Seldom,Seldom,,Agree,Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,Basic,None,No,No,Disagree,Agree,Seldom,Never,Often,Often,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Entrepreneur ,Agriculture,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,Token,,Secure,,Disagree,Agree,Disagree,Disagree,,Disagree,Disagree,Agree,Agree,Agree,Never,Never,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life",,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,Average,A bit above average,A bit above average,Yes,Yes,Disagree,Agree,I don’t know,As soon as it is available,Usually,Usually,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Disagree,Agree,,Strongly Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,Neither Agree Nor Disagree,Never,Usually,Never,Never,Never,,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,"Yes, based on the website address",,,Average,Average,Average,Basic,Basic,Average,Basic,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Disagree,Strongly Agree,Agree,Agree,Agree,Never,Usually,Never,Never,Never,,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Agree,"Yes, based on the website address",,,None,None,None,None,None,None,None,No,No,Agree,Agree,I don’t know,I don’t know,Seldom,Seldom,Usually,Usually,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,the network is always very slow thereby interrupting the transaction.
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"Contactless(scanning),USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Secure,,Disagree,Neither Agree Nor disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Strongly Agree,Disagree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,Advance,Average,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,Network providers should upgrade as major work is shiftes to them on MFS
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Federal civil service ,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Other,Firstmobile,7-12 months,It is more convenient than going to the bank,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Strongly Disagree,Strongly Disagree,Never,Always,Always,Never,Never,,Strongly Agree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,No,Strongly Disagree,Agree,Never,Never,Never,Never,Usually,Usually,Somewhat satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity,Other",congestion,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Medical Doctor,,Health,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Agree,Agree,Disagree,,Strongly Disagree,Agree,Agree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Disagree,Agree,Agree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Other,Installed for me by a designated bank staff,,None,None,None,None,None,Basic,Basic,No,No,Disagree,Strongly Agree,I don’t know,Seldom,Never,Never,Seldom,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Disagree,Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M12 ,"Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Secure,,Disagree,Agree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Often,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Health Worker,,Government,,">= N 501,000",Yes,,,,,Other,Phone M6,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Strongly Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Seldom,Seldom,Never,,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Disagree,Neither Agree Nor Disagree,"Yes, based on the website address",,,None,None,None,None,None,None,None,No,No,Disagree,Agree,Seldom,Always,Usually,Usually,Never,Never,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Business Manager ,Small and Medium Scale Enterprises,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1 ,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Other,Both Mobile App and USSD ,Other,Both token and pin,Secure,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Disagree,Disagree,Disagree,Never,Never,Always,Never,Never,,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,A bit above average,Advance,Advance,Advance,Advance,Advance,No,No,Strongly Agree,Strongly Agree,As soon as it is available,I don’t know,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,The convenience to carry out financial transactions 24hrs
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Student,,Government,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, it is on the FAQ from my bank/Operator",,,None,Average,None,Average,A bit above average,Advance,Average,No,No,Neither Agree Nor disagree,Strongly Agree,Seldom,Seldom,Never,Never,Usually,Usually,Very satisfied,Strongly Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Other,none,Just fine,,my useage of MFS is just fyn and satisfactory
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,Construction,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Never,Seldom,Seldom,Seldom,Never,,Agree,Disagree,Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,None,A bit above average,Basic,Advance,A bit above average,Yes,No,Agree,Agree,Seldom,Seldom,Always,Often,Seldom,Never,Very satisfied,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Disagree,Strongly Agree,Strongly Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Strongly Agree,Never,Never,Often,Never,Never,,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,"No, I cannot differentiate",,,None,Advance,Average,Advance,Advance,Average,Average,No,No,Strongly Agree,Strongly Agree,Seldom,Seldom,Often,Always,Never,Never,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,I enjoy my Mfs product
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Health Worker,,Health,,"N 51,000 - N 100,000",No,Other,Problem  with downloaded app,I the services are more reliable,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,The mobile  apps should be made to function better
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,TelecommuniPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on look and feel",,,Average,Average,Expert,Basic,Basic,Basic,Expert,No,No,Strongly Agree,Strongly Agree,Seldom,Seldom,Always,Always,Seldom,Seldom,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,N/a
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Other,Entrepreneur,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M2,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Agree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Strongly Disagree,Often,Often,Never,Never,Never,,Strongly Agree,Agree,Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Strongly Agree,"Yes, based on look and feel",,,None,None,None,None,None,None,None,No,No,Disagree,Disagree,Seldom,Seldom,Seldom,Seldom,Often,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Agree,Agree,Agree,Environment of use,,Just fine,,It's Okay
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Trader,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,,Mobile Banking,,6 months or less,Ease of use,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,Other,password,Meets my needs,,Strongly Agree,Strongly Disagree,Agree,Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Strongly Agree,Disagree,Agree,Neither Agree Nor Disagree,Agree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Disagree,Agree,Seldom,Seldom,Seldom,Seldom,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Architect,,Construction,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Seldom,,Disagree,Agree,Agree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,None,Basic,None,Basic,None,Average,Average,No,No,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Seldom,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,recently lost bank work,Other,00.00,"< = N 20,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,Token,,Easy to navigate,,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Agree,,Disagree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Strongly Agree,Usually,Often,Often,Never,Never,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,None,No,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Environment of use,,"Too restrictive, I want more with same level of security",,personal/attitude
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Fleet Officer,Other,Transport services,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M8 Phone M2,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Agree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Strongly Disagree,Agree,Never,Usually,Never,Never,Never,,Agree,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Agree,Agree,Strongly Agree,"No, I cannot differentiate",,,None,Basic,None,None,None,Basic,Basic,No,No,Agree,Agree,Seldom,Seldom,Seldom,Seldom,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Strongly Agree,Disagree,Agree,Agree,Strongly Agree,Strongly Disagree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lawyer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Agree,Never,Never,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,None,Basic,None,Basic,None,None,No,No,Neither Agree Nor disagree,Agree,As soon as it is available,As soon as it is available,Always,Always,Usually,Usually,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Pharmacist,,Health,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6 ,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Strongly Agree,Disagree,Strongly Disagree,Disagree,Never,Never,Never,Never,Never,,Disagree,Strongly Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Strongly Agree,Strongly Agree,Seldom,Seldom,Seldom,Seldom,Never,Never,Somewhat satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
18-24,Diploma,,Student,,ICT,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Often,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Average,Average,Average,Average,Average,Average,Average,No,No,Disagree,Agree,Never,Never,Never,Never,Never,Never,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Disagree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Other,through the provider's mobile banking platform,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Other",through the provider's mobile banking platform,"Token,PIN",,Meets my needs,,Strongly Disagree,Neither Agree Nor disagree,Agree,Strongly Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,Never,Never,Never,Never,Seldom,,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Expert,Advance,Expert,Advance,A bit above average,Expert,Expert,No,No,Disagree,Strongly Agree,It is done automatically by my service provider,Seldom,Never,Never,Never,Never,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Disagree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN,Biometry",,Meets my needs,,Disagree,Neither Agree Nor disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Disagree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,A bit above average,A bit above average,A bit above average,Advance,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Never,Never,Somewhat satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use",,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 251,000 - N 500,000",Yes,,,,,"Phone t2,Phone t3",,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,Token,,Easy to navigate,,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Usually,Never,Never,Never,,Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,Average,A bit above average,A bit above average,Average,Basic,A bit above average,Basic,No,No,Agree,Strongly Agree,Seldom,Seldom,Usually,Usually,Seldom,Never,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,"It simplify transactions, and very convenient. Security of MFS should be of ultimate concern."
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Agree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,None,Average,Average,A bit above average,Advance,No,No,Agree,Strongly Agree,Always,It is done automatically by my service provider,Seldom,Usually,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,ICT,,">= N 501,000",Yes,,,,,"Phone t2,Other",Phone M2 ,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Seldom,Usually,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,Yes,Agree,Agree,Seldom,Seldom,Seldom,Seldom,Seldom,Seldom,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Just fine,,Growing 
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M19,Other,Internet banking,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,Biometry",,Secure,,Strongly Agree,Disagree,Strongly Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Seldom,Never,,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,Average,Average,A bit above average,A bit above average,No,No,Agree,Agree,Seldom,Seldom,Often,Often,Never,Never,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Disagree,Strongly Agree,Environment of use,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,TelecommuniPhone M3ion,,"N 101,000 - N 250,000",No,I was a user but had an experience that made me stop using the service,,I the services are more reliable,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,TelecommuniPhone M3ion,,">= N 501,000",No,I prefer face to face transactions,,I have a smart phone,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Project Manager,,Bank,,">= N 501,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Wi-Fi only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,Disagree,Never,Seldom,Never,Never,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Disagree,Agree,"No, I cannot differentiate",,,Basic,Average,A bit above average,Basic,Basic,Basic,Basic,No,No,Neither Agree Nor disagree,Agree,Seldom,Seldom,Seldom,Never,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6 ,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Seldom,Seldom,Never,,Agree,Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Agree,Agree,"Yes, based on look and feel",,,None,None,None,None,None,None,None,No,No,Agree,Agree,Always,Always,Usually,Usually,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Construction,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Disagree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, based on source",,,Basic,Average,A bit above average,Average,Average,A bit above average,A bit above average,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,ICT,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M4 ,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Disagree,Disagree,,Disagree,Agree,Agree,Agree,Agree,Never,Seldom,Never,Never,Never,,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Advance,Advance,Advance,Advance,Advance,Advance,No,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Always,Often,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Other,NYSC,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Neither Agree Nor disagree,Disagree,Agree,Disagree,,Disagree,Strongly Agree,Agree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, based on source",,,None,None,None,None,None,None,None,No,No,Neither Agree Nor disagree,Strongly Agree,I don’t know,I don’t know,Never,Never,Never,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Other,consultant,">= N 501,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,"Token,PIN",,Meets my needs,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Strongly Disagree,Agree,Seldom,Never,Never,Always,Never,,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on the website address",,,None,A bit above average,A bit above average,Average,Average,A bit above average,Advance,No,Yes,Strongly Agree,Strongly Agree,Never,Never,Usually,Usually,Always,Seldom,Very satisfied,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,improve more on the security features
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Travels and Hospitality,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Disagree,Disagree,Neither Agree Nor disagree,,Disagree,Agree,Disagree,Neither Agree Nor Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Never,,Neither Agree Nor Disagree,Agree,Strongly Disagree,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,Basic,Basic,Basic,A bit above average,A bit above average,Yes,Yes,Neither Agree Nor disagree,Neither Agree Nor disagree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Never,Always,Often,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Disagree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,Some are u necessarily complex
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Other,No installation required,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Seldom,Never,,Disagree,Agree,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Agree,"Yes, based on source",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Disagree,Agree,I don’t know,I don’t know,Usually,Usually,Often,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Project Manager,,Small and Medium Scale Enterprises,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Strongly Agree,Agree,"Yes, based on the website address",,,None,None,None,Basic,Basic,None,Average,No,No,Agree,Agree,Never,As soon as it is available,Never,Usually,Usually,Usually,Extremely satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,MFS charges should be drop to barely amount.
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Health Worker,,Health,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Neither Agree Nor disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Usually,Never,Seldom,Never,,Disagree,Agree,Agree,Strongly Agree,Agree,Agree,Agree,"Yes, based on source",,,Average,Average,Basic,Average,Average,Average,Average,Yes,Yes,Agree,Agree,It is done automatically by my service provider,It is done automatically by my service provider,Usually,Usually,Seldom,Never,Not so satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,ICT,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M6 ,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Usually,Never,Never,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,A bit above average,Advance,Advance,No,No,Strongly Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Usually,Usually,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,"Environment of use,Low battery life",,Too restrictive I want more with increased level of security,,Awesome product 
25-34,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M20,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Was done for me by service provider,,Other,Phone Airtime,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Disagree,Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Never,Often,Never,Never,Often,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,"Yes, it is on the FAQ from my bank/Operator",,,None,Average,Average,Average,None,Average,Average,Yes,Yes,Neither Agree Nor disagree,Agree,I don’t know,Never,Often,Always,Often,Often,Very satisfied,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Disagree,Agree,Environment of use,,Just fine,,"For now, MFS is just fine"
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Consultant,,Non-Governmental organisation,,"N 21,000 – N 50,000",Yes,,,,,"Phone t3,Phone t4",,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Agree,Disagree,Disagree,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Usually,Seldom,Never,Never,,Agree,Strongly Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,Average,None,Average,Average,No,No,Agree,Agree,Always,Always,Never,Seldom,Never,Never,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Agree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with reduced level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Physical Security Professional,,Government,,">= N 501,000",No,Other,personal choice,Other,I plan to use it in the near future,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Military,,Other,Defence,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Disagree,Disagree,Never,Never,Never,Never,Never,,Disagree,Strongly Agree,Disagree,Agree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,Basic,Basic,None,Basic,None,Basic,None,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Always,Often,Often,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,It's cool just some improvements on security and connectivity
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Non-Governmental organisation,,">= N 501,000",Yes,,,,,"Phone t2,Phone t1",,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN,Biometry",,Easy to navigate,,Disagree,Strongly Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Advance,A bit above average,Advance,Expert,Advance,Advance,No,No,Agree,Disagree,As soon as it is available,Always,Seldom,Usually,Never,Never,Extremely satisfied,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Agree,Strongly Agree,Disagree,Strongly Agree,Other,I am seldom distracted,Just fine,,The mobile app I use most frequently does not have the full range of features available on the bank web portal. I would like the gap to be further bridged.
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Health,,"N 251,000 - N 500,000",Yes,,,,,"Phone t2,Other",Phone M8,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Safety engineer,Other,Aviation ,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M12 ,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Seldom,Often,Seldom,Never,,Agree,Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,"Yes, my bank/MFS operator showed me how",,,None,Basic,None,Basic,None,Basic,Basic,Yes,Yes,Agree,Strongly Agree,Never,Never,Seldom,Often,Seldom,Seldom,Very satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Agree,Disagree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN,Biometry",,Easy to navigate,,Strongly Disagree,Strongly Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Seldom,Never,Seldom,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Always,Always,Very satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,Improve in network strength/reliability by the bariprobiders 
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Construction,,"N 251,000 - N 500,000",Yes,,,,,"Phone t2,Phone t4",,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Strongly Agree,Disagree,Strongly Disagree,Disagree,Seldom,Usually,Seldom,Seldom,Often,,Disagree,Agree,Agree,Agree,Agree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,Basic,None,None,Basic,None,Basic,Average,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Seldom,Seldom,Somewhat satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN,Biometry",,Easy to navigate,,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Always,Always,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Other,If I am having sex.,Just fine,,None
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Geologist,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Agree,Disagree,Disagree,,Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Often,Never,Often,Never,,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,Basic,Basic,No,No,Agree,Strongly Agree,I don’t know,Never,Usually,Usually,Never,Never,Somewhat satisfied,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Disagree,Agree,Disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,Okay
35-44,Secondary School CertifiPhone M3e,,Other,Self-employed,Other,Transportation,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,"Token,PIN",,Other,both ease of use and secure,Agree,Disagree,Agree,Disagree,,Disagree,Agree,Agree,Agree,Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,Basic,None,Basic,Basic,Basic,Basic,No,No,Strongly Agree,Strongly Agree,Never,Never,Often,Often,Often,Often,Somewhat satisfied,Strongly Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,none
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Bussiness man,Real Estate,,"N 101,000 - N 250,000",No,I do not believe my money will be secure with the service,,I have have better assurance of the security of my transaction,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
35-44,Diploma,,Artist,,Entertainment and Life Style,,"N 21,000 – N 50,000",No,I prefer face to face transactions,,I get more awareness,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,Looks good
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Disagree,Agree,Agree,,Disagree,Agree,Agree,Agree,Agree,Never,Often,Often,Often,Usually,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Disagree,"Yes, based on source",,,None,None,None,None,None,None,Average,No,No,Disagree,Agree,As soon as it is available,Never,Often,Often,Never,Never,Not so satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,I will appreciate if a particular amount is not assign
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Other,Legal,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,Ease of use,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,Token,,Meets my needs,,Disagree,Agree,Neither Agree Nor disagree,Strongly Agree,,Neither Agree Nor Disagree,Strongly Agree,Strongly Disagree,Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Seldom,,Disagree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Disagree,"No, I cannot differentiate",,,Average,Average,A bit above average,Average,A bit above average,Average,Average,No,No,Agree,Agree,Seldom,Seldom,Seldom,Seldom,Often,Seldom,Not so satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Strongly Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,It is always difficult to get back your money in the event u sent money to a wrong account.The level of cooperation between or amongst banks in nigeria is too poor and very slow. I
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Other,private practice,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Usually,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,Basic,Basic,Expert,No,No,Agree,Strongly Agree,Never,Never,Seldom,Seldom,Seldom,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Disagree,Agree,Environment of use,,Just fine,,ease and speed of transactions is made possible with MFS. 
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,Sales representative ,Construction,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1 ,"Mobile Money (e.g teasy, readycash)",,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Agree,Agree,Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Disagree,Often,Never,Never,Never,Never,,Agree,Agree,Disagree,Disagree,Agree,Strongly Agree,Agree,"Yes, based on the website address",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Disagree,Never,Never,Never,Always,Always,Always,Not so satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M5 ,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Never,Seldom,Never,Seldom,Usually,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, it is on the FAQ from my bank/Operator",,,None,Basic,None,Basic,None,Basic,Basic,No,No,Disagree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Usually,Usually,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,MFS should be secured.
18-24,Diploma,,Student,,Other,maritime,"N 51,000 - N 100,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, based on look and feel",,,None,None,None,None,None,None,None,No,No,Agree,Neither Agree Nor disagree,Never,Never,Never,Never,Never,Never,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with reduced level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,"Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Agree,Strongly Agree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Strongly Agree,It is done automatically by my service provider,It is done automatically by my service provider,Always,Always,Always,Always,Very satisfied,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with reduced level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,journalist,Media,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone t1,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Strongly Agree,Never,Usually,Never,Never,Never,,Strongly Agree,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,None,Average,Expert,A bit above average,Advance,None,Average,Yes,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Very satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Disagree,Agree,Agree,In coming phone calls during transactions,,"Too relaxed, I want more with increased level of security",,it is safe to use but if the app can be improved on when it cones to network issues such as bad network either in 3g or 4g  it will make a great deal pf sense.
25-34,Primary School CertifiPhone M3e,,Other,Self employed,Other,Self employed,"< = N 20,000",No,Other,Computer,Other,No assurance,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,No comment
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Installing via SDTK (SIM Development tool kit),,Phone Data only,,Mobile App (app installed on phone),,Token,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,None,No,No,Agree,Agree,Never,Never,Often,Always,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Low battery life,,"Too relaxed, I want more with increased level of security",,MFS has really made financial transactions easy for me 
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Energy,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Average,A bit above average,Average,Average,Average,Advance,Advance,No,No,Strongly Agree,Strongly Agree,It is done automatically by my service provider,Always,Always,Always,Seldom,Never,Somewhat satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,"Easy to use, fast for transaction and stress free."
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M2,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Neither Agree Nor Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Usually,Never,Never,Usually,,Agree,Disagree,Agree,Agree,Agree,Agree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,Basic,No,No,Strongly Agree,Agree,Never,Never,Usually,Usually,Usually,Usually,Not so satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,To many code needed and so easy to forget.
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"< = N 20,000",Yes,,,,,Other,Phone M1 ,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Agree,Agree,Agree,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Usually,Usually,Never,Never,Often,,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,Average,Average,Yes,Yes,Agree,Agree,I don’t know,I don’t know,Never,Never,Usually,Never,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Low battery life,,"Too restrictive, I want more with reduced level of security",,Sometimes it may be good sometimes it may be bad 
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Trader,,General Merchandise,,">= N 501,000",Yes,,,,,Other,Phone M1 ,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Secure,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Strongly Disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,None,Average,None,Average,None,Average,Average,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Disagree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Consultant,,ICT,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M2 ,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Neither Agree Nor Disagree,Never,Usually,Often,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Expert,Advance,Advance,A bit above average,Expert,Expert,No,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Often,Usually,Often,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,Let it be user friendly 
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN,Biometry",,Meets my needs,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Disagree,Never,Often,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,Basic,A bit above average,Basic,None,Average,Average,No,No,Disagree,Agree,Always,Always,Never,Never,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,Diploma,,Para-Military,,Travels and Hospitality,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Seldom,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, based on the website address",,,None,Basic,None,None,None,Basic,Basic,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Often,Seldom,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M2,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Agree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Usually,Never,Never,Never,,Agree,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,Average,None,Basic,Basic,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Often,Never,Never,Somewhat satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M2,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Secure,,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Never,Usually,Usually,Never,Usually,,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on look and feel",,,None,None,None,None,None,None,Advance,No,Yes,Neither Agree Nor disagree,Agree,It is done automatically by my service provider,It is done automatically by my service provider,Usually,Usually,Usually,Always,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,lower cost of transaction compared to other means,,Installing via SDTK (SIM Development tool kit),,Wi-Fi only,,Mobile App (app installed on phone),,PIN,,Complex,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Often,Never,Usually,Usually,Usually,,Strongly Agree,Strongly Agree,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Disagree,"No, I cannot differentiate",,,None,A bit above average,Average,None,Advance,Basic,None,No,No,Strongly Agree,Strongly Agree,It is done automatically by my service provider,As soon as it is available,Usually,Always,Usually,Never,Somewhat satisfied,Strongly Disagree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,In coming phone calls during transactions,,"Too relaxed, I want more with increased level of security",,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t4,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Agree,Agree,Agree,Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Strongly Agree,Disagree,Agree,Agree,Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Advance,None,Basic,Basic,Basic,Basic,No,No,Strongly Disagree,Strongly Agree,Never,Never,Usually,Usually,Never,Never,Not at all satisfied,Strongly Disagree,Strongly Disagree,Strongly Disagree,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,Small and Medium Scale Enterprises,,"< = N 20,000",No,I do not have a phone,,I have a smart phone,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,"I just is fast, is only bad when network is bad"
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,Media,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M4,"Mobile Payment (e.g paga, Ezpay)",,12 months and beyond,"It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Never,Never,Never,Never,Seldom,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,None,None,None,None,None,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Seldom,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M2,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Installing via SDTK (SIM Development tool kit),,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Agree,Strongly Disagree,,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Never,Often,Never,Never,Usually,,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,Basic,Basic,Advance,No,No,Strongly Agree,Neither Agree Nor disagree,As soon as it is available,Seldom,Usually,Often,Always,Always,Extremely satisfied,Neither Agree Nor disagree,Agree,Disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Environment of use,,Too restrictive I want more with increased level of security,,
18-24,Diploma,,Student,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,,Disagree,Agree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Never,Usually,Never,Usually,Usually,,Strongly Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,"Yes, based on source",,,Average,Average,Average,Average,Average,Average,Average,Yes,Yes,Agree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Seldom,Seldom,Always,Often,Somewhat satisfied,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Strongly Disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Agree,In coming phone calls during transactions,,"Too relaxed, I want more with increased level of security",,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,lower cost of transaction compared to other means,,Downloading from the apps store,,Wi-Fi only,,Mobile App (app installed on phone),,PIN,,Complex,,Strongly Agree,Agree,Neither Agree Nor disagree,Agree,,Neither Agree Nor Disagree,Agree,Agree,Agree,Strongly Agree,Never,Never,Never,Never,Never,,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,None,No,No,Agree,Strongly Agree,Never,Never,Always,Always,Seldom,Often,Extremely satisfied,Strongly Agree,Strongly Disagree,Neither Agree Nor disagree,Agree,Agree,Disagree,Agree,Agree,Agree,In coming phone calls during transactions,,"Too relaxed, I want more with increased level of security",,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M13,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Agree,Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Always,Often,Never,Never,,Strongly Agree,Strongly Disagree,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,Basic,None,None,Expert,Expert,Expert,Expert,No,No,Agree,Strongly Agree,Never,As soon as it is available,Never,Never,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Disagree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
25-34,Secondary School CertifiPhone M3e,,Consultant,,Real Estate,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,Wi-Fi only,,Mobile App (app installed on phone),,PIN,,Complex,,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,,Agree,Agree,Agree,Agree,Agree,Always,Never,Never,Never,Never,,Disagree,Disagree,Disagree,Agree,Agree,Disagree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,Average,Average,Average,Average,Average,Average,Yes,No,Disagree,Strongly Disagree,Always,Always,Usually,Often,Always,Often,Somewhat satisfied,Disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Low battery life,,"Too restrictive, I want more with reduced level of security",,normall
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Never,Seldom,Seldom,Seldom,Seldom,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,"No, I cannot differentiate",,,None,Average,None,Average,None,Average,Basic,No,No,Neither Agree Nor disagree,Neither Agree Nor disagree,Seldom,Seldom,Seldom,Seldom,Never,Never,Not so satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Other,No idea,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Agree,Strongly Agree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Disagree,Agree,Never,Never,Never,Never,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,Basic,Average,Average,Average,Average,Average,Average,No,No,Disagree,Neither Agree Nor disagree,I don’t know,Never,Never,Seldom,Never,Never,Not at all satisfied,Agree,Strongly Disagree,Neither Agree Nor disagree,Disagree,Disagree,Disagree,Strongly Disagree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M1,"Mobile Payment (e.g paga, Ezpay)",,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Agree,Neither Agree Nor disagree,Strongly Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Seldom,Often,Seldom,Never,Never,,Disagree,Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Agree,Disagree,Strongly Disagree,"No, I cannot differentiate",,,Basic,Average,Average,Average,Average,Average,Average,No,No,Neither Agree Nor disagree,Neither Agree Nor disagree,Seldom,Never,Seldom,Usually,Often,Usually,Not so satisfied,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,lower cost of transaction compared to other means,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Seldom,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Basic,None,Average,None,Basic,Basic,No,No,Agree,Strongly Agree,Seldom,Seldom,Never,Never,Seldom,Seldom,Somewhat satisfied,Agree,Disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M12,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,,Disagree,Disagree,Disagree,Strongly Disagree,Agree,Usually,Seldom,Never,Never,Seldom,,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,None,Basic,None,Average,Average,A bit above average,None,Yes,Yes,Agree,Neither Agree Nor disagree,Seldom,Always,Never,Often,Usually,Usually,Extremely satisfied,Strongly Agree,Strongly Disagree,Disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with reduced level of security",,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M21,Mobile Banking,,6 months or less,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Agree,Disagree,Disagree,Agree,,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,Usually,Often,Seldom,Always,Seldom,,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Agree,Other,No idea,,Basic,Average,A bit above average,Basic,Average,None,None,Yes,Yes,Agree,Strongly Agree,Always,It is done automatically by my service provider,Always,Always,Never,Always,Not at all satisfied,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Disagree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Agree,Disagree,Disagree,,Disagree,Agree,Agree,Disagree,Agree,Never,Usually,Never,Seldom,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,"Yes, based on source",,,Average,A bit above average,Average,A bit above average,A bit above average,Advance,A bit above average,No,No,Agree,Agree,Seldom,Seldom,Never,Seldom,Usually,Seldom,Not so satisfied,Disagree,Disagree,Disagree,Agree,Disagree,Disagree,Agree,Strongly Agree,Strongly Agree,Environment of use,,"Too restrictive, I want more with same level of security",,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay)",,12 months and beyond,lower cost of transaction compared to other means,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Strongly Agree,Agree,Agree,Strongly Disagree,Agree,Never,Often,Never,Never,Always,,Strongly Agree,Agree,Agree,Disagree,Strongly Disagree,Strongly Agree,Agree,"No, I cannot differentiate",,,None,Average,A bit above average,None,Expert,Basic,None,No,No,Agree,Strongly Agree,Always,Always,Always,Usually,Always,Always,Not so satisfied,Agree,Agree,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,It does not run on all phones
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M12,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Disagree,Strongly Disagree,,Agree,Agree,Agree,Agree,Agree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, based on source",,,None,None,Basic,Basic,Basic,Basic,Basic,No,No,Agree,Agree,Seldom,Seldom,Never,Never,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M1,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Installing via SDTK (SIM Development tool kit),,Phone Data only,,Mobile App (app installed on phone),,Token,,Easy to navigate,,Agree,Agree,Agree,Agree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Often,Often,Never,Always,,Agree,Disagree,Neither Agree Nor Disagree,Agree,Agree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,Average,No,No,Agree,Agree,Never,Never,Often,Often,Seldom,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Low battery life,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M1,Mobile Banking,,6 months or less,lower cost of transaction compared to other means,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"Token,PIN",,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Never,Seldom,Never,Often,Never,,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,"No, I cannot differentiate",,,None,Basic,None,Average,Average,A bit above average,None,No,No,Strongly Disagree,Strongly Agree,Seldom,Seldom,Always,Always,Never,Usually,Somewhat satisfied,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,In coming phone calls during transactions,,"Too restrictive, I want more with reduced level of security",,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Often,Never,Never,Seldom,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Basic,None,Advance,Advance,Advance,Advance,No,No,Agree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Never,Never,Usually,Often,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Disagree,In coming phone calls during transactions,,Just fine,,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Biometry,,Secure,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Disagree,Agree,Agree,Disagree,Disagree,Never,Never,Seldom,Never,Never,,Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Advance,Advance,None,None,None,None,Basic,Yes,Yes,Agree,Agree,I don’t know,I don’t know,Never,Never,Always,Always,Somewhat satisfied,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Disagree,In coming phone calls during transactions,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Other,Aviation,">= N 501,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,"PIN,Biometry",,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,Yes,Agree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Never,Usually,Usually,Usually,Very satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
18-24,Diploma,,Student,,Energy,,"< = N 20,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay)",,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Contactless(scanning),,PIN,,Easy to navigate,,Agree,Agree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Seldom,Seldom,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,Basic,Basic,No,No,Agree,Agree,Never,Seldom,Often,Often,Never,Never,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,Biometry,,Secure,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Disagree,Agree,Agree,Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Seldom,Seldom,,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,Basic,Basic,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Disagree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Low battery life,,Too restrictive I want more with increased level of security,,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,Other,PASSWORD,Other,"It is easy to use, but i cant tranfer money from one financial institution to another except within the same financial institution.   ",Agree,Agree,Disagree,Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Always,Never,Never,Never,,Strongly Agree,Disagree,Disagree,Disagree,Disagree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Disagree,Agree,Never,Never,Never,Never,Never,Never,Not so satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M12,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Never,Usually,Never,Never,Usually,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Disagree,Agree,I don’t know,I don’t know,Always,Always,Never,Never,Not so satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Agree,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Always,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,"Yes, based on look and feel",,,None,Basic,None,Basic,Basic,Basic,Average,No,No,Agree,Agree,Never,Never,Seldom,Seldom,Never,Never,Very satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Disagree,Disagree,Agree,In coming phone calls during transactions,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Realtor,Real Estate,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Usually,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, based on look and feel",,,None,None,None,None,None,None,None,No,No,Agree,Agree,Always,Always,Never,Never,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Contactless(scanning),,PIN,,Complex,,Strongly Agree,Neither Agree Nor disagree,Agree,Disagree,,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Disagree,Neither Agree Nor Disagree,Never,Seldom,Usually,Seldom,Never,,Strongly Agree,Disagree,Agree,Disagree,Disagree,Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Basic,Average,Average,Average,A bit above average,A bit above average,A bit above average,No,No,Strongly Disagree,Strongly Agree,Never,Seldom,Never,Seldom,Always,Usually,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,ICT,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Disagree,Neither Agree Nor disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Never,Never,Never,Never,Seldom,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Advance,Advance,Advance,Advance,Advance,Advance,No,No,Agree,Strongly Agree,I don’t know,It is done automatically by my service provider,Never,Never,Never,Never,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Disagree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
18-24,Diploma,,Student,,ICT,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Neither Agree Nor disagree,Agree,Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Usually,Always,Usually,Never,,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Basic,Basic,Basic,Advance,Yes,Yes,Agree,Strongly Agree,It is done automatically by my service provider,As soon as it is available,Usually,Always,Always,Always,Very satisfied,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Farmer,,Agriculture,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M22,Mobile Banking,,6 months or less,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Often,Never,Never,Never,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,None,Average,Average,A bit above average,A bit above average,No,Yes,Disagree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Always,Always,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,"Essence of mobile banking or MFS is always defeated in rural areas that only receive network signals from close by townships, because they do not have their own masts. Therefore, there is either no networks in such areas or poor network reception."
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Average,Average,Basic,Basic,Basic,Basic,Basic,No,Yes,Disagree,Agree,Seldom,Seldom,Seldom,Seldom,Seldom,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Non-Governmental organisation,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, based on source",,,Basic,Basic,Basic,Average,Basic,Average,Average,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Extremely satisfied,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Agree,In coming phone calls during transactions,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,7-12 months,Ease of use,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, it is on the FAQ from my bank/Operator",,,Average,A bit above average,Average,Advance,Advance,Advance,Advance,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Extremely satisfied,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Agree,In coming phone calls during transactions,,Just fine,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Para-Military,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,Mobile Banking,,7-12 months,Ease of use,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,Average,None,Average,Average,Yes,Yes,Strongly Agree,Strongly Agree,Never,Never,Never,Often,Often,Often,Very satisfied,Agree,Disagree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,"Too relaxed, I want more with increased level of security",,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,None,Average,None,Average,Average,Yes,Yes,Agree,Agree,Never,Never,Never,Never,Always,Always,Very satisfied,Agree,Disagree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,Low battery life,,Just fine,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Lawyer,,General Merchandise,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, based on the website address",,,None,None,None,Average,None,Average,Average,Yes,Yes,Agree,Strongly Agree,Never,Never,Never,Never,Always,Always,Very satisfied,Agree,Disagree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,Low battery life,,Just fine,,
25-34,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t1,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Agree,Disagree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Agree,Strongly Agree,Never,Never,Never,Never,Always,Always,Very satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t4,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Agree,Disagree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, based on source",,,None,None,Basic,Basic,Basic,None,Average,Yes,Yes,Agree,Strongly Agree,Never,Never,Never,Never,Always,Always,Very satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay)",,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Contactless(scanning),,PIN,,Easy to navigate,,Agree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Never,Seldom,Seldom,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,Average,Average,A bit above average,Yes,Yes,Agree,Strongly Agree,Never,Never,Never,Never,Always,Often,Extremely satisfied,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Low battery life,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Small and Medium Scale Enterprises,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay)",,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Contactless(scanning),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Never,Seldom,Seldom,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,None,None,Basic,Basic,Average,Yes,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Very satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Low battery life,,Just fine,,
25-34,Diploma,,Military,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Contactless(scanning),,PIN,,Meets my needs,,Neither Agree Nor disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Seldom,Seldom,Seldom,Seldom,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,Basic,Basic,Basic,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Extremely satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,In coming phone calls during transactions,,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Agree,Disagree,Disagree,Disagree,,Strongly Agree,Agree,Disagree,Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Disagree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,None,None,None,Basic,None,No,No,Neither Agree Nor disagree,Disagree,I don’t know,I don’t know,Often,Never,Always,Often,Very satisfied,Agree,Agree,Agree,Disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Project Manager,,TelecommuniPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Other,Massage ,Other,"Free,  just like making a call,  you dail a number ",USSD(SMS like payment instructions e.g. *776#),,Other,Just a general code from my bank,Secure,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Neither Agree Nor Disagree,Agree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,Advance,Advance,Advance,Expert,Advance,Expert,Expert,No,No,Strongly Agree,Strongly Agree,I don’t know,I don’t know,Never,Never,Never,Never,Somewhat satisfied,Disagree,Strongly Disagree,Strongly Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Weak network strength or poor network connectivity,,Just fine,,Good 
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Disagree,Disagree,Disagree,,Strongly Agree,Agree,Disagree,Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Neither Agree Nor disagree,Disagree,I don’t know,I don’t know,Never,Never,Always,Often,Very satisfied,Agree,Agree,Agree,Disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Police,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Disagree,Disagree,Disagree,,Strongly Agree,Agree,Disagree,Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Neither Agree Nor disagree,Disagree,I don’t know,I don’t know,Never,Never,Always,Often,Very satisfied,Agree,Agree,Agree,Disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Police,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Disagree,Disagree,Disagree,,Strongly Agree,Agree,Disagree,Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Disagree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,Basic,Average,No,No,Neither Agree Nor disagree,Disagree,I don’t know,I don’t know,Never,Never,Always,Often,Very satisfied,Agree,Agree,Agree,Disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,Diploma,,Photographer,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Agree,,Strongly Disagree,Agree,Agree,Agree,Disagree,Never,Always,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,Basic,Basic,No,No,Agree,Agree,I don’t know,I don’t know,Never,Never,Often,Often,Somewhat satisfied,Neither Agree Nor disagree,Disagree,Agree,Agree,Disagree,Disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,Diploma,,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Agree,,Strongly Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Often,Never,Never,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Neither Agree Nor disagree,Strongly Agree,I don’t know,I don’t know,Never,Never,Always,Always,Somewhat satisfied,Neither Agree Nor disagree,Disagree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Trader,,Small and Medium Scale Enterprises,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,I am not sure,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Usually,Never,Never,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Disagree,Agree,I don’t know,I don’t know,Never,Never,Always,Always,Very satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,I am not sure,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Agree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Disagree,Neither Agree Nor Disagree,Disagree,Never,Always,Never,Never,Never,,Strongly Agree,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Agree,Agree,I don’t know,I don’t know,Never,Never,Always,Always,Very satisfied,Agree,Disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Trader,,Small and Medium Scale Enterprises,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay)",,6 months or less,I can use it anywhere and at anytime,,I am not sure,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Usually,Always,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,None,Basic,Basic,Basic,Basic,Basic,Average,No,No,Agree,Agree,I don’t know,I don’t know,Never,Never,Always,Always,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,Government,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,Ease of use,,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Often,Usually,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,Yes,Yes,Agree,Agree,I don’t know,I don’t know,Never,Never,Always,Always,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Agree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Usually,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Agree,Strongly Agree,I don’t know,I don’t know,Never,Never,Always,Always,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Disagree,Agree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Diploma,,Photographer,,Small and Medium Scale Enterprises,,"< = N 20,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,Phone Data only,,Contactless(scanning),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Usually,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Agree,Disagree,I don’t know,I don’t know,Never,Never,Often,Often,Very satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
18-24,Diploma,,Nurse,,Health,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Often,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Agree,Agree,I don’t know,I don’t know,Never,Never,Usually,Usually,Extremely satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Agree,Disagree,Neither Agree Nor disagree,Agree,Agree,Environment of use,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Clergy,,Other,CHURCH,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M8,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Disagree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,A bit above average,A bit above average,A bit above average,Average,Average,Expert,Yes,Yes,Agree,Disagree,As soon as it is available,As soon as it is available,Always,Always,Never,Never,Very satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Consultant,,Construction,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Disagree,,Disagree,Agree,Strongly Agree,Disagree,Disagree,Never,Never,Often,Never,Never,,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,Average,Basic,A bit above average,A bit above average,Yes,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Police,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Agree,,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Usually,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Average,Average,Average,A bit above average,Advance,Advance,Advance,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,Diploma,,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Agree,Agree,Agree,,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Often,Seldom,Never,Seldom,Never,,Strongly Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, based on source",,,Basic,Average,Average,Advance,Advance,Advance,Advance,Yes,Yes,Agree,Agree,It is done automatically by my service provider,It is done automatically by my service provider,Seldom,Seldom,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life",,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Architect,,Real Estate,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Agree,Agree,Agree,,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Often,Seldom,Never,Never,Seldom,,Strongly Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on source",,,Basic,Basic,Basic,Average,Average,Basic,A bit above average,No,Yes,Strongly Agree,Disagree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Agree,Agree,Agree,,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Agree,Often,Seldom,Never,Seldom,Never,,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on source",,,None,None,None,Average,A bit above average,Advance,Advance,No,Yes,Strongly Agree,Disagree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Agree,Disagree,Agree,Never,Never,Often,Never,Never,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,None,None,None,Average,Yes,Yes,Disagree,Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Very satisfied,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,General Merchandise,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Agree,Agree,Disagree,Agree,Never,Never,Never,Never,Often,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,None,None,None,Average,Yes,Yes,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Low battery life,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Lecturer,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M13,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Agree,Disagree,Agree,Never,Never,Never,Never,Often,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Average,Average,Basic,Basic,Basic,Average,Yes,Yes,Disagree,Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Pharmacist,,Health,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Agree,Agree,Disagree,Agree,Never,Never,Never,Never,Often,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,None,None,None,Average,Yes,Yes,Disagree,Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Low battery life,,"Too restrictive, I want more with reduced level of security",,
35-44,Diploma,,Artist,,Media,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,Ease of use,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Secure,,Neither Agree Nor disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Agree,Disagree,Agree,Never,Never,Never,Never,Often,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,None,None,None,Average,Yes,Yes,Disagree,Agree,As soon as it is available,As soon as it is available,Usually,Never,Often,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Consultant,,Non-Governmental organisation,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Agree,Agree,Disagree,Agree,Never,Never,Never,Never,Often,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,None,None,None,Average,Yes,Yes,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,Diploma,,Clergy,,General Merchandise,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Disagree,Strongly Disagree,,Disagree,Agree,Agree,Disagree,Agree,Never,Never,Seldom,Never,Often,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,None,None,None,Average,Yes,Yes,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with reduced level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Energy,,">= N 501,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Neither Agree Nor disagree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Usually,Usually,Seldom,Seldom,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,In coming phone calls during transactions,,Just fine,,NA
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Project Manager,,Real Estate,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Agree,Disagree,Agree,Never,Never,Never,Never,Often,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,Advance,None,None,Average,Yes,Yes,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,Diploma,,Police,,Government,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Agree,Agree,,Disagree,Agree,Agree,Agree,Disagree,Never,Never,Never,Never,Often,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,Basic,None,Average,Average,Yes,Yes,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,"Mobile Money (e.g teasy, readycash)",,7-12 months,It is more convenient than going to the bank,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Agree,Agree,,Disagree,Agree,Agree,Agree,Disagree,Never,Never,Never,Never,Often,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,Basic,Basic,A bit above average,Average,Yes,Yes,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Energy,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,"Mobile Money (e.g teasy, readycash)",,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,Wi-Fi only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Agree,,Strongly Disagree,Agree,Agree,Agree,Disagree,Always,Never,Always,Never,Usually,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,Average,Basic,Average,No,No,Agree,Agree,I don’t know,I don’t know,Never,Never,Often,Often,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Disagree,Disagree,Agree,Neither Agree Nor disagree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 21,000 – N 50,000",Yes,,,,,Phone t1,,"Mobile Payment (e.g paga, Ezpay)",,12 months and beyond,I can use it anywhere and at anytime,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Agree,,Strongly Disagree,Agree,Agree,Agree,Disagree,Always,Never,Always,Never,Usually,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,Basic,Basic,Basic,Yes,No,Agree,Agree,I don’t know,I don’t know,Never,Never,Often,Often,Somewhat satisfied,Neither Agree Nor disagree,Disagree,Agree,Agree,Disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,Wi-Fi only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Agree,,Strongly Disagree,Agree,Agree,Agree,Disagree,Always,Never,Always,Never,Usually,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,Basic,Basic,Basic,No,No,Agree,Agree,I don’t know,I don’t know,Never,Never,Often,Often,Somewhat satisfied,Neither Agree Nor disagree,Disagree,Agree,Agree,Disagree,Disagree,Agree,Neither Agree Nor disagree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
25-34,Diploma,,Photographer,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Agree,,Strongly Disagree,Agree,Agree,Agree,Disagree,Never,Always,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Agree,Agree,I don’t know,I don’t know,Never,Never,Often,Often,Somewhat satisfied,Neither Agree Nor disagree,Disagree,Agree,Agree,Disagree,Disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,Diploma,,Police,,Government,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Agree,,Strongly Disagree,Agree,Agree,Agree,Disagree,Never,Usually,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,Basic,No,No,Agree,Agree,I don’t know,I don’t know,Never,Never,Often,Often,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Strongly Disagree,Strongly Agree,Strongly Disagree,Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,Average,None,None,Basic,Basic,Basic,Yes,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Usually,Usually,Very satisfied,Strongly Agree,Strongly Agree,Agree,Strongly Disagree,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Other,MAKING CALLS,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Agree,Strongly Agree,Agree,Strongly Agree,,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Never,Never,Never,Never,Usually,,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,Yes,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,I don’t know,Seldom,Often,Always,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
61 and above,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Other,PHONE CALLS ONLY,12 months and beyond,It is more convenient than going to the bank,,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Agree,Strongly Agree,Agree,Strongly Agree,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Never,Never,Never,Seldom,Usually,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,Yes,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,I don’t know,Usually,Often,Often,Never,Not so satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,"Mobile Payment (e.g paga, Ezpay)",,12 months and beyond,lower cost of transaction compared to other means,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,Biometry,,Secure,,Agree,Strongly Agree,Strongly Agree,Agree,,Disagree,Agree,Agree,Strongly Agree,Strongly Agree,Never,Always,Often,Never,Never,,Strongly Agree,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,None,Advance,Average,None,Average,A bit above average,None,No,Yes,Agree,Neither Agree Nor disagree,Never,It is done automatically by my service provider,Seldom,Never,Seldom,Usually,Extremely satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Disagree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Disagree,Strongly Disagree,In coming phone calls during transactions,,"Too restrictive, I want more with reduced level of security",,
35-44,Diploma,,Teacher,,Government,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,"Mobile Payment (e.g paga, Ezpay)",,6 months or less,lower cost of transaction compared to other means,,I am not sure,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Seldom,Never,Never,Never,Seldom,,Strongly Agree,Strongly Disagree,Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,A bit above average,Advance,Average,Basic,None,Advance,Average,Yes,Yes,Agree,Neither Agree Nor disagree,As soon as it is available,It is done automatically by my service provider,Always,Seldom,Never,Seldom,Extremely satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M12,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Agree,Disagree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Never,Always,Never,Never,Seldom,,Strongly Agree,Agree,Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,Basic,None,A bit above average,A bit above average,No,No,Disagree,Agree,Seldom,Seldom,Often,Always,Always,Always,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Disagree,Disagree,Disagree,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Never,Never,Usually,Always,,Strongly Agree,Disagree,Neither Agree Nor Disagree,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,None,No,No,Neither Agree Nor disagree,Strongly Agree,I don’t know,As soon as it is available,Never,Never,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Never,Often,Seldom,Seldom,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Agree,Neither Agree Nor disagree,Seldom,Never,Never,Never,Never,Never,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M1,"Mobile Money (e.g teasy, readycash)",,12 months and beyond,Ease of use,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,,Disagree,Agree,Agree,Agree,Agree,Never,Often,Often,Never,Often,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Agree,It is done automatically by my service provider,As soon as it is available,Usually,Usually,Often,Often,Not so satisfied,Agree,Agree,Agree,Agree,Disagree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with reduced level of security",,
25-34,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Never,Never,Seldom,Never,Never,,Agree,Disagree,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,Basic,None,None,No,Yes,Agree,Strongly Agree,Never,Never,Never,Usually,Always,Always,Very satisfied,Agree,Disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with reduced level of security",,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,lower cost of transaction compared to other means,,I am not sure,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Agree,Agree,Neither Agree Nor disagree,Agree,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Seldom,Always,Never,Always,Always,,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Basic,Basic,Average,Average,Basic,Basic,None,Yes,Yes,Agree,Strongly Agree,Never,Seldom,Often,Always,Often,Often,Extremely satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Disagree,Agree,Environment of use,,"Too restrictive, I want more with same level of security",,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M12,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Seldom,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Very satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,Diploma,,Trader,,Manufacturing,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,"Mobile Money (e.g teasy, readycash)",,12 months and beyond,lower cost of transaction compared to other means,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Strongly Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Usually,Often,Never,Never,Never,,Agree,Strongly Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,Basic,Basic,No,Yes,Strongly Agree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Usually,Always,Never,Never,Extremely satisfied,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use",,Other,CUSTOMER CARE IN BANK,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Agree,,Agree,Strongly Agree,Agree,Agree,Strongly Agree,Usually,Always,Usually,Usually,Usually,,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,None,No,No,Agree,Agree,Never,As soon as it is available,Often,Always,Usually,Usually,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Agree,Strongly Agree,Strongly Disagree,Strongly Disagree,Neither Agree Nor disagree,Strongly Agree,Environment of use,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Often,Never,Seldom,Never,,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,Average,None,No,No,Disagree,Disagree,Seldom,Seldom,Seldom,Seldom,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Disagree,Disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Low battery life,,"Too relaxed, I want more with increased level of security",,
18-24,Diploma,,IT Specialist,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Always,Never,Seldom,Never,,Agree,Strongly Agree,Agree,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, based on look and feel",,,None,A bit above average,None,A bit above average,Advance,Advance,Advance,No,No,Strongly Agree,Neither Agree Nor disagree,As soon as it is available,Always,Always,Always,Never,Always,Somewhat satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Neither Agree Nor disagree,Strongly Disagree,Neither Agree Nor disagree,,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Never,Usually,Usually,Never,Never,,Strongly Agree,Strongly Disagree,Strongly Agree,Agree,Agree,Neither Agree Nor Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Extremely satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
18-24,Diploma,,Farmer,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Disagree,Disagree,Disagree,Agree,,Disagree,Strongly Agree,Agree,Disagree,Strongly Agree,Never,Usually,Never,Never,Usually,,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,Average,None,Average,None,Average,Basic,No,No,Neither Agree Nor disagree,Agree,As soon as it is available,As soon as it is available,Always,Often,Often,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Agree,,Disagree,Agree,Strongly Agree,Disagree,Strongly Agree,Never,Usually,Never,Never,Never,,Disagree,Agree,Disagree,Disagree,Disagree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,Yes,Disagree,Agree,Never,Always,Usually,Usually,Often,Usually,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Disagree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M3,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Strongly Disagree,Seldom,Often,Seldom,Never,Seldom,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Average,Average,A bit above average,A bit above average,A bit above average,A bit above average,Yes,Yes,Agree,Agree,It is done automatically by my service provider,It is done automatically by my service provider,Seldom,Seldom,Usually,Often,Somewhat satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Disagree,Agree,Agree,Strongly Agree,Low battery life,,Just fine,,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"Contactless(scanning),USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Disagree,Never,Never,Seldom,Seldom,Never,,Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Average,Basic,Average,Average,Average,Average,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Seldom,Seldom,Somewhat satisfied,Agree,Disagree,Agree,Disagree,Agree,Neither Agree Nor disagree,Agree,Disagree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,"The issue of network and poor conectivity by service providers should be given strict attention, and please to also provide more affordable data plans. More sensitization should be encouraged in schools and public places about the use of the MFS and its efficency and convinience, because som e members of the public do not really know that this MFS exist."
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Disagree,Seldom,Usually,Never,Seldom,Seldom,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, based on the website address",,,None,None,None,Average,None,None,None,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Seldom,Usually,Very satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Agree,In coming phone calls during transactions,,Just fine,,
25-34,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,"Mobile Money (e.g teasy, readycash)",,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Disagree,Seldom,Never,Never,Seldom,Seldom,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, based on the website address",,,None,None,None,Average,None,None,None,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Seldom,Usually,Usually,Very satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Agree,In coming phone calls during transactions,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay)",,7-12 months,"lower cost of transaction compared to other means,Ease of use,I can use it anywhere and at anytime",,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Neither Agree Nor disagree,Disagree,,Disagree,Agree,Agree,Agree,Strongly Agree,Never,Never,Never,Never,Usually,,Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Basic,Basic,Average,Yes,Yes,Agree,Neither Agree Nor disagree,Always,Always,Usually,Usually,Often,Always,Extremely satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Disagree,Agree,Environment of use,,Too restrictive I want more with increased level of security,,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Disagree,Agree,Agree,,Disagree,Agree,Agree,Disagree,Strongly Agree,Never,Never,Never,Never,Never,,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,Average,Basic,A bit above average,None,A bit above average,Average,Yes,Yes,Agree,Strongly Agree,I don’t know,I don’t know,Often,Always,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Phone t2,,"Mobile Money (e.g teasy, readycash)",,7-12 months,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,Contactless(scanning),,Biometry,,Meets my needs,,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Disagree,,Disagree,Agree,Agree,Disagree,Strongly Agree,Never,Never,Never,Never,Never,,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,Average,Basic,Advance,Basic,Average,A bit above average,Yes,Yes,Agree,Strongly Agree,Never,I don’t know,Always,Often,Always,Never,Extremely satisfied,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Environment of use,,Too restrictive I want more with increased level of security,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Agree,Disagree,Disagree,,Disagree,Agree,Agree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,Basic,Average,Average,Average,No,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Often,Often,Always,Extremely satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6 ,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,I am not sure,,Phone Data only,,Other,Dont browse,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Never,Often,Often,Never,Often,,Agree,Strongly Disagree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Advance,Average,Advance,Basic,Basic,Average,Average,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Diploma,,Carpenter,,Construction,,"< = N 20,000",Yes,,,,,Other,Phone M6 ,"Mobile Money (e.g teasy, readycash)",,12 months and beyond,I can use it anywhere and at anytime,,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Agree,Disagree,,Strongly Disagree,Strongly Agree,Disagree,Strongly Disagree,Disagree,Never,Usually,Never,Never,Always,,Strongly Agree,Neither Agree Nor Disagree,Agree,Disagree,Strongly Agree,Strongly Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,Average,Average,Average,Average,Basic,Basic,Advance,Yes,Yes,Agree,Agree,Never,Never,Never,Usually,Always,Always,Not so satisfied,Agree,Agree,Agree,Disagree,Agree,Strongly Agree,Agree,Agree,Agree,Low battery life,,Too restrictive I want more with increased level of security,,
18-24,Secondary School CertifiPhone M3e,,Student,,Energy,,"< = N 20,000",Yes,,,,,Other,Phone M19,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Disagree,Agree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Never,Seldom,,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,A bit above average,A bit above average,Average,Average,Average,No,Yes,Disagree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Seldom,Seldom,Somewhat satisfied,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M19,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Disagree,Disagree,Neither Agree Nor Disagree,Seldom,Often,Often,Never,Never,,Agree,Disagree,Neither Agree Nor Disagree,Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,A bit above average,A bit above average,Basic,Basic,Expert,No,Yes,Neither Agree Nor disagree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Often,Never,Never,Never,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Agree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Neither Agree Nor Disagree,Never,Always,Never,Never,Never,,Agree,Agree,Disagree,Agree,Agree,Agree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,A bit above average,Basic,Average,Advance,Advance,Advance,No,Yes,Agree,Strongly Agree,Always,Always,Often,Often,Usually,Seldom,Not so satisfied,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too relaxed, I want more with increased level of security",,
25-34,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,"Mobile Money (e.g teasy, readycash)",,6 months or less,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Disagree,Agree,Agree,,Agree,Agree,Agree,Agree,Agree,Seldom,Seldom,Seldom,Often,Often,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Agree,Disagree,Never,Never,Often,Seldom,Seldom,Usually,Not so satisfied,Disagree,Disagree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Agree,Disagree,,Disagree,Agree,Disagree,Disagree,Agree,Never,Always,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,Average,Basic,None,Expert,Yes,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Usually,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,"Too relaxed, I want more with increased level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Disagree,Disagree,,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Never,Often,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Strongly Agree,Agree,Agree,"Yes, based on source",,,None,Average,None,Average,None,Advance,Advance,Yes,Yes,Agree,Strongly Agree,As soon as it is available,Never,Often,Often,Never,Often,Very satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Other,NOT SURE,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Disagree,,Disagree,Agree,Agree,Strongly Disagree,Agree,Seldom,Seldom,Never,Never,Never,,Strongly Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Disagree,Strongly Disagree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,Basic,A bit above average,Average,No,No,Agree,Neither Agree Nor disagree,I don’t know,Seldom,Often,Seldom,Never,Never,Not so satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,Secondary School CertifiPhone M3e,,Artist,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t2,,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Agree,Disagree,Disagree,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Disagree,Agree,Neither Agree Nor Disagree,Agree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Agree,Strongly Agree,Never,Never,Never,Often,Never,Never,Not so satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,TelecommuniPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M1,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Strongly Disagree,Disagree,Never,Often,Never,Never,Never,,Agree,Disagree,Agree,Disagree,Disagree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,Average,Average,Average,Average,Average,Average,No,Yes,Strongly Agree,Disagree,Seldom,Seldom,Seldom,Seldom,Never,Never,Somewhat satisfied,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor disagree,Disagree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,ICT,,"< = N 20,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Strongly Disagree,Agree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Seldom,Never,Never,,Disagree,Strongly Agree,Agree,Agree,Neither Agree Nor Disagree,Disagree,Agree,"Yes, based on the website address",,,Advance,Advance,Basic,Advance,A bit above average,Advance,Advance,No,No,Disagree,Disagree,Always,Always,Often,Usually,Always,Often,Not so satisfied,Agree,Disagree,Disagree,Disagree,Disagree,Disagree,Strongly Agree,Strongly Disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Trader,,Real Estate,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Disagree,Strongly Disagree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,None,Basic,Basic,Basic,A bit above average,Average,No,Yes,Agree,Strongly Agree,Seldom,Seldom,Seldom,Usually,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,Agree,In coming phone calls during transactions,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,ICT,,"< = N 20,000",Yes,,,,,Other,Phone M12,"Mobile Banking,Other",USSD,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Agree,Strongly Agree,Agree,Disagree,,Strongly Disagree,Strongly Agree,Agree,Disagree,Disagree,Seldom,Never,Seldom,Never,Often,,Agree,Strongly Agree,Agree,Agree,Disagree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Expert,Advance,Expert,Expert,Advance,Advance,No,No,Strongly Agree,Strongly Agree,Never,Never,Seldom,Seldom,Usually,Usually,Not so satisfied,Agree,Disagree,Agree,Agree,Disagree,Disagree,Strongly Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
45-60,Diploma,,IT Specialist,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Agree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Disagree,Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Neither Agree Nor Disagree,"Yes, it is on the FAQ from my bank/Operator",,,A bit above average,A bit above average,A bit above average,Average,A bit above average,Advance,Average,Yes,Yes,Strongly Agree,Strongly Agree,Never,As soon as it is available,Never,Never,Always,Always,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,Average,Advance,Advance,Advance,Expert,Advance,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Usually,Usually,Very satisfied,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,ICT,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Strongly Disagree,Disagree,Never,Often,Never,Never,Seldom,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,Advance,Advance,Advance,No,No,Neither Agree Nor disagree,Agree,Never,Never,Seldom,Seldom,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Strongly Agree,Other,NONE,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,ICT,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,I am not sure,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Strongly Disagree,,Neither Agree Nor Disagree,Agree,Agree,Disagree,Agree,Seldom,Often,Never,Seldom,Never,,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,Average,Average,Average,Average,Average,Average,Average,Yes,No,Agree,Neither Agree Nor disagree,Seldom,Seldom,Usually,Usually,Usually,Seldom,Not so satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
18-24,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,Token,,Easy to navigate,,Strongly Agree,Strongly Agree,Strongly Agree,Agree,,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Never,Usually,Usually,Seldom,Never,,Strongly Agree,Strongly Agree,Disagree,Disagree,Neither Agree Nor Disagree,Agree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Agree,Agree,Seldom,Never,Usually,Always,Always,Always,Somewhat satisfied,Neither Agree Nor disagree,Strongly Disagree,Disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,In coming phone calls during transactions,,Just fine,,
18-24,Diploma,,Student,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Neither Agree Nor disagree,Agree,Agree,Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Never,Never,Never,Usually,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,Basic,Basic,Average,Average,Basic,A bit above average,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Often,Often,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,ICT,,"< = N 20,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Strongly Agree,Strongly Agree,Strongly Agree,,Strongly Agree,Strongly Agree,Agree,Agree,Neither Agree Nor Disagree,Never,Seldom,Seldom,Always,Seldom,,Disagree,Disagree,Disagree,Strongly Disagree,Disagree,Strongly Agree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,Basic,None,No,No,Disagree,Neither Agree Nor disagree,Seldom,Seldom,Seldom,Usually,Never,Never,Somewhat satisfied,Disagree,Neither Agree Nor disagree,Agree,Disagree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Environment of use,,"Too restrictive, I want more with reduced level of security",,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Agree,Agree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Disagree,Disagree,Never,Always,Never,Never,Often,,Strongly Agree,Disagree,Neither Agree Nor Disagree,Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Basic,Basic,A bit above average,Average,No,No,Agree,Neither Agree Nor disagree,I don’t know,Seldom,Often,Seldom,Never,Never,Not so satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Disagree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t4,,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Agree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Advance,A bit above average,A bit above average,Average,Advance,Expert,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Always,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,Other,school,"N 51,000 - N 100,000",No,I prefer face to face transactions,,I the services are more reliable,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,personal business,Other,business,"N 51,000 - N 100,000",No,I prefer face to face transactions,,I get get more guidance from the service provider,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Business man,Other,Car dealer ,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,6 months or less,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Agree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Strongly Agree,Strongly Agree,Never,Seldom,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,Average,Average,Average,Average,Average,Average,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Low battery life,,Too restrictive I want more with increased level of security,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,">= N 501,000",Yes,,,,,"Phone t2,Phone t1",,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Never,Seldom,Seldom,Seldom,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,None,Average,Average,Average,None,Yes,Yes,Strongly Agree,Agree,As soon as it is available,As soon as it is available,Always,Often,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,Nil
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Public servant,Other,Electricity Distribution Compaby,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Disagree,Strongly Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,None for now
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Trader,,Agriculture,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Disagree,Disagree,"Yes, based on source",,,None,A bit above average,None,Advance,A bit above average,Advance,Expert,Yes,Yes,Strongly Agree,Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Usually,Usually,Very satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Lawyer,,Other,Private Legal practice,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,7-12 months,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,Average,None,None,None,None,Basic,Average,No,No,Disagree,Agree,I don’t know,Always,Often,Usually,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Non-Governmental organisation,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Seldom,Usually,Seldom,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,Basic,Average,Average,None,Basic,Basic,No,Yes,Agree,Strongly Agree,It is done automatically by my service provider,As soon as it is available,Usually,Usually,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,General Merchandise,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Disagree,Disagree,Agree,Neither Agree Nor disagree,,Strongly Disagree,Agree,Disagree,Agree,Agree,Never,Never,Never,Never,Never,,Agree,Disagree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Basic,Advance,Advance,Average,Advance,Advance,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Often,Never,Never,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
35-44,Diploma,,Teacher,,Government,,"N 21,000 – N 50,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Was done for me by service provider,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Strongly Agree,Never,Never,Never,Never,Always,,Strongly Agree,Agree,Agree,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,A bit above average,None,None,A bit above average,None,A bit above average,None,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Always,Never,Never,Extremely satisfied,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Disagree,Agree,Disagree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,I am not sure,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Strongly Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Disagree,Strongly Disagree,Neither Agree Nor Disagree,Agree,Agree,Never,Never,Never,Always,Often,,Neither Agree Nor Disagree,Disagree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on the website address",,,Average,None,A bit above average,None,Advance,None,Basic,Yes,Yes,Strongly Agree,Strongly Agree,It is done automatically by my service provider,Always,Usually,Often,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Neither Agree Nor disagree,Disagree,In coming phone calls during transactions,,Just fine,,
45-60,Diploma,,Teacher,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Agree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Agree,Disagree,Strongly Disagree,Agree,Never,Often,Often,Never,Always,,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,Basic,Basic,Average,Basic,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Usually,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
18-24,Secondary School CertifiPhone M3e,,Trader,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,lower cost of transaction compared to other means,,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,Biometry,,Meets my needs,,Disagree,Strongly Disagree,Disagree,Neither Agree Nor disagree,,Disagree,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Never,Never,Never,Never,Always,,Strongly Agree,Disagree,Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,None,Basic,None,Average,None,A bit above average,None,No,Yes,Agree,Neither Agree Nor disagree,As soon as it is available,It is done automatically by my service provider,Often,Always,Never,Seldom,Extremely satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Disagree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
18-24,Secondary School CertifiPhone M3e,,Actor/Actress,,Media,,"< = N 20,000",Yes,,,,,Phone t3,,"Mobile Money (e.g teasy, readycash)",,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Contactless(scanning),,PIN,,Meets my needs,,Disagree,Strongly Agree,Strongly Agree,Agree,,Strongly Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Never,Usually,Usually,Never,Usually,,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,Basic,Average,Yes,No,Agree,Agree,Seldom,Always,Often,Always,Seldom,Never,Somewhat satisfied,Neither Agree Nor disagree,Strongly Agree,Agree,Neither Agree Nor disagree,Disagree,Strongly Disagree,Strongly Agree,Strongly Agree,Agree,Environment of use,,Too restrictive I want more with increased level of security,,
45-60,Other,Retired,Teacher,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t1,,Mobile Banking,,6 months or less,Ease of use,,I am not sure,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Disagree,Disagree,Neither Agree Nor disagree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Never,Never,Never,Never,Always,,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Advance,A bit above average,Average,Basic,None,Basic,None,Yes,Yes,Agree,Strongly Agree,As soon as it is available,Always,Usually,Often,Never,Seldom,Very satisfied,Agree,Strongly Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Disagree,Disagree,Neither Agree Nor disagree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,Average,Average,No,No,Neither Agree Nor disagree,Agree,As soon as it is available,As soon as it is available,Usually,Often,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Other,never had error,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Artist,,Media,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,Average,Yes,Yes,Agree,Strongly Agree,I don’t know,I don’t know,Never,Never,Often,Often,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Health Worker,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use",,Was done for me by service provider,,Other,CODE,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Usually,Never,Never,Usually,,Agree,Agree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,Yes,Disagree,Agree,I don’t know,I don’t know,Never,Never,Never,Never,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Government,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M13,Mobile Banking,,7-12 months,Ease of use,,Was done for me by service provider,,Other,CODE,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,Yes,Disagree,Agree,I don’t know,I don’t know,Never,Never,Never,Never,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Farmer,,Agriculture,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,"Yes, based on source",,,None,None,None,None,None,None,None,Yes,Yes,Disagree,Strongly Agree,I don’t know,I don’t know,Never,Never,Usually,Usually,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Pharmacist,,Pharmaceuticals,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M4,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Disagree,Disagree,Neither Agree Nor disagree,Strongly Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,Basic,Basic,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,I don’t know,I don’t know,Never,Never,Usually,Usually,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Architect,,Non-Governmental organisation,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"Contactless(scanning),USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Meets my needs,,Strongly Agree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,Average,Average,Yes,Yes,Agree,Strongly Agree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,lower cost of transaction compared to other means,,Downloading from the apps store,,Wi-Fi only,,Contactless(scanning),,PIN,,Complex,,Agree,Strongly Agree,Strongly Agree,Strongly Agree,,Agree,Agree,Agree,Agree,Agree,Usually,Seldom,Usually,Usually,Never,,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,A bit above average,A bit above average,A bit above average,Average,Average,Average,Yes,Yes,Strongly Agree,Agree,Seldom,It is done automatically by my service provider,Usually,Always,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with reduced level of security",,
18-24,Primary School CertifiPhone M3e,,Accountant,,Bank,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Installing via SDTK (SIM Development tool kit),,Wi-Fi only,,Contactless(scanning),,Token,,Meets my needs,,Strongly Agree,Agree,Agree,Agree,,Agree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Never,Never,Never,Usually,Usually,,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,"No, I cannot differentiate",,,None,Basic,None,None,None,None,Basic,Yes,Yes,Agree,Agree,Always,Always,Usually,Usually,Usually,Usually,Extremely satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Athlete,,Government,,"N 21,000 – N 50,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,lower cost of transaction compared to other means,,Downloading from the apps store,,Phone Data only,,"Contactless(scanning),USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Complex,,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Usually,Never,Never,,Agree,Agree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,Average,Basic,None,No,No,Neither Agree Nor disagree,Agree,Never,I don’t know,Never,Never,Never,Never,Very satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Agree,Neither Agree Nor disagree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,Secondary School CertifiPhone M3e,,Artisan,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Agree,Neither Agree Nor disagree,Strongly Disagree,Strongly Agree,,Strongly Agree,Agree,Agree,Neither Agree Nor Disagree,Disagree,Always,Always,Seldom,Usually,Usually,,Strongly Agree,Agree,Strongly Agree,Disagree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,A bit above average,None,None,None,None,None,None,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,It is done automatically by my service provider,Always,Often,Always,Usually,Somewhat satisfied,Agree,Agree,Disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Agree,Neither Agree Nor disagree,In coming phone calls during transactions,,Just fine,,
35-44,Diploma,,Health Worker,,Non-Governmental organisation,,"N 251,000 - N 500,000",Yes,,,,,Phone t2,,"Mobile Money (e.g teasy, readycash)",,6 months or less,It is more convenient than going to the bank,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,Other,CODE,Meets my needs,,Strongly Agree,Strongly Disagree,Neither Agree Nor disagree,Strongly Agree,,Disagree,Disagree,Disagree,Disagree,Agree,Always,Always,Seldom,Never,Seldom,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,Basic,Basic,None,Basic,None,Yes,No,Agree,Strongly Agree,As soon as it is available,It is done automatically by my service provider,Always,Always,Often,Always,Somewhat satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Agree,Strongly Disagree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Phone t1,,"Mobile Money (e.g teasy, readycash)",,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Other, ,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,,Disagree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Usually,Always,Often,Seldom,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,Basic,Yes,Yes,Disagree,Neither Agree Nor disagree,As soon as it is available,It is done automatically by my service provider,Often,Seldom,Always,Always,Somewhat satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Disagree,In coming phone calls during transactions,,Just fine,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Clergy,,Non-Governmental organisation,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Was done for me by service provider,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Never,Usually,Usually,Never,Often,,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,"No, I cannot differentiate",,,None,None,None,A bit above average,None,None,Basic,Yes,No,Strongly Agree,Strongly Agree,As soon as it is available,Always,Often,Often,Seldom,Seldom,Very satisfied,Agree,Agree,Disagree,Agree,Agree,Agree,Agree,Disagree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M3,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,PIN,,Secure,,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Disagree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,Yes,Agree,Agree,I don’t know,I don’t know,Never,Never,Seldom,Seldom,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,Agree,Disagree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Trader,,Small and Medium Scale Enterprises,,"< = N 20,000",Yes,,,,,Other,Phone M13,"Mobile Payment (e.g paga, Ezpay)",,7-12 months,Ease of use,,Installing via SDTK (SIM Development tool kit),,Phone Data only,,USSD(SMS like payment instructions e.g. *776#),,Biometry,,Meets my needs,,Agree,Agree,Agree,Agree,,Agree,Agree,Agree,Agree,Agree,Usually,Usually,Usually,Usually,Usually,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,None,None,None,None,None,Yes,Yes,Agree,Agree,Always,Always,Usually,Always,Always,Always,Extremely satisfied,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Trader,,Small and Medium Scale Enterprises,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Average,Average,Basic,Average,Basic,Average,A bit above average,Yes,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Usually,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
25-34,Diploma,,Banker,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,None,None,None,None,None,None,Yes,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Construction,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,"Mobile Money (e.g teasy, readycash)",,12 months and beyond,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Agree,Agree,Agree,Disagree,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Always,Never,Always,Never,Seldom,,Strongly Agree,Agree,Disagree,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,Average,Basic,Basic,Basic,Average,Average,None,Yes,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t4,,"Mobile Money (e.g teasy, readycash)",,12 months and beyond,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Agree,Agree,Neither Agree Nor disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Disagree,Disagree,Disagree,"No, I cannot differentiate",,,Expert,Expert,Expert,Expert,Advance,Expert,Expert,No,No,Agree,Agree,Seldom,Seldom,Never,Never,Often,Often,Very satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M3,"Mobile Money (e.g teasy, readycash)",,6 months or less,It is more convenient than going to the bank,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Agree,Agree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Advance,Average,Average,Average,A bit above average,A bit above average,Yes,Yes,Agree,Strongly Agree,Seldom,Seldom,Never,Never,Usually,Often,Somewhat satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
25-34,Diploma,,Trader,,Non-Governmental organisation,,"< = N 20,000",Yes,,,,,Other,Phone M6,"Mobile Money (e.g teasy, readycash)",,12 months and beyond,I can use it anywhere and at anytime,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Agree,Disagree,Agree,Agree,,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Always,Always,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,Yes,Agree,Agree,I don’t know,Never,Always,Never,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Disagree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
45-60,Diploma,,Banker,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay)",,7-12 months,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Complex,,Strongly Agree,Strongly Agree,Strongly Agree,Agree,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Always,Never,Never,Never,Seldom,,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,Yes,No,Strongly Agree,Agree,As soon as it is available,As soon as it is available,Often,Always,Often,Always,Very satisfied,Agree,Agree,Agree,Disagree,Agree,Agree,Disagree,Agree,Agree,Low battery life,,"Too restrictive, I want more with same level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Para-Military,,Government,,"N 21,000 – N 50,000",Yes,,,,,Phone t1,,"Mobile Money (e.g teasy, readycash)",,7-12 months,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of Wi-Fi",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Disagree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Medical Doctor,,Health,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,"Mobile Money (e.g teasy, readycash)",,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,None,Yes,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Often,Often,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,Ease of use",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"Contactless(scanning),USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,"Token,PIN",,Easy to navigate,,Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,Basic,None,Average,None,A bit above average,Average,Yes,Yes,Agree,Strongly Agree,Always,Always,Seldom,Never,Always,Always,Extremely satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Just fine,,
35-44,Diploma,,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Agree,Disagree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Seldom,Usually,Never,Never,Seldom,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,Yes,Disagree,Agree,Never,Never,Never,Never,Never,Never,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Other,APPLICANT,Energy,,"< = N 20,000",Yes,,,,,Phone t4,,Mobile Banking,,7-12 months,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,"Yes, based on source",,,None,None,None,None,None,None,Basic,No,No,Neither Agree Nor disagree,Strongly Agree,Never,Never,Never,Never,Often,Often,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,Secondary School CertifiPhone M3e,,Other,DRIVER,Travels and Hospitality,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Agree,Disagree,Disagree,,Strongly Disagree,Strongly Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,Basic,No,No,Disagree,Strongly Agree,Never,Never,Never,Never,Seldom,Seldom,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,"Mobile Money (e.g teasy, readycash)",,6 months or less,Ease of use,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Easy to navigate,,Agree,Neither Agree Nor disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Usually,Usually,Never,Never,,Strongly Agree,Disagree,Disagree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,Average,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Always,Always,Usually,Usually,Very satisfied,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Agree,Disagree,In coming phone calls during transactions,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Artist,,Non-Governmental organisation,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,"Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,PIN,,Complex,,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Seldom,Never,Never,Never,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Disagree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Agree,Neither Agree Nor disagree,It is done automatically by my service provider,It is done automatically by my service provider,Seldom,Usually,Usually,Seldom,Very satisfied,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Environment of use,Weak network strength or poor network connectivity",,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Architect,,Real Estate,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,"Mobile Money (e.g teasy, readycash)",,6 months or less,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Never,Never,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Agree,Strongly Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,A bit above average,A bit above average,Advance,A bit above average,Advance,Expert,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Usually,Usually,Very satisfied,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
61 and above,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Strongly Agree,Strongly Agree,Agree,Agree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,Average,Average,Average,Average,Average,Average,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Often,Often,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
35-44,Primary School CertifiPhone M3e,,Mechanic,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,"Contactless(scanning),USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Neither Agree Nor disagree,,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Never,Seldom,Usually,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,None,Yes,Yes,Agree,Neither Agree Nor disagree,Never,Never,Usually,Usually,Never,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Small and Medium Scale Enterprises,,"< = N 20,000",Yes,,,,,Other,Phone M3,Other,MAKING AND RECIEVING CALLS,7-12 months,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,"Token,PIN",,Meets my needs,,Disagree,Neither Agree Nor disagree,Agree,Disagree,,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Never,Never,Usually,Never,Always,,Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Basic,Basic,Basic,None,Basic,Yes,Yes,Disagree,Strongly Agree,I don’t know,I don’t know,Always,Often,Often,Always,Not so satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Disagree,Agree,Agree,Disagree,Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Just fine,,
45-60,Secondary School CertifiPhone M3e,,Farmer,,Agriculture,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,"Mobile Money (e.g teasy, readycash)",,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,USSD(SMS like payment instructions e.g. *776#),,"PIN,Biometry",,Secure,,Disagree,Disagree,Disagree,Disagree,,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Never,Never,Usually,Never,Never,,Agree,Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,Basic,None,Average,Basic,None,Basic,Yes,Yes,Strongly Agree,Strongly Agree,Seldom,Seldom,Usually,Usually,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,"Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,"Contactless(scanning),USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Secure,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Never,Usually,Never,Never,Never,,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,None,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Extremely satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Agree,Agree,Disagree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Consultant,,Construction,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Money (e.g teasy, readycash),Mobile Banking",,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Strongly Disagree,Neither Agree Nor disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Agree,Always,Never,Never,Never,Always,,Agree,Strongly Disagree,Agree,Agree,Disagree,Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Basic,Basic,None,Average,Yes,Yes,Strongly Disagree,Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Not at all satisfied,Strongly Disagree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,"Mobile Money (e.g teasy, readycash)",,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Agree,Strongly Disagree,Strongly Agree,Agree,,Strongly Agree,Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Always,Always,Seldom,Often,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Disagree,Strongly Disagree,"No, I cannot differentiate",,,Expert,Basic,None,Basic,None,None,Basic,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,As soon as it is available,Always,Seldom,Always,Often,Always,Somewhat satisfied,Strongly Disagree,Agree,Disagree,Strongly Agree,Strongly Disagree,Strongly Agree,Disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,Diploma,,Architect,,Construction,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Agree,Agree,Agree,,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Seldom,Never,Usually,Never,Usually,,Agree,Agree,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,Basic,Average,A bit above average,A bit above average,Yes,Yes,Agree,Agree,Seldom,Never,Always,Often,Often,Often,Extremely satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
25-34,Diploma,,Engineer,,Construction,,"N 51,000 - N 100,000",Yes,,,,,Phone t1,,"Mobile Money (e.g teasy, readycash)",,6 months or less,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Agree,Never,Often,Always,Never,Never,,Agree,Strongly Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Basic,Basic,Expert,Expert,Yes,Yes,Strongly Disagree,Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Disagree,Strongly Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Diploma,,Accountant,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"Token,PIN",,Easy to navigate,,Strongly Agree,Strongly Agree,Agree,Agree,,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Seldom,Usually,Usually,Usually,Usually,,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Average,Average,Average,Average,Average,Average,Average,Yes,Yes,Strongly Agree,Strongly Agree,Seldom,Always,Usually,Usually,Usually,Usually,Extremely satisfied,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
18-24,Diploma,,Accountant,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,"Mobile Money (e.g teasy, readycash)",,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,,Agree,Agree,Strongly Agree,Agree,Agree,Always,Always,Always,Always,Always,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,A bit above average,A bit above average,Advance,Expert,A bit above average,Average,Yes,Yes,Agree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Always,Always,Always,Always,Extremely satisfied,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
18-24,Diploma,,Accountant,,Insurance,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,"Mobile Money (e.g teasy, readycash)",,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Complex,,Disagree,Disagree,Strongly Agree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Often,Usually,Often,Often,,Disagree,Disagree,Disagree,Disagree,Disagree,Disagree,Disagree,"No, I cannot differentiate",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,Yes,Yes,Neither Agree Nor disagree,Neither Agree Nor disagree,Always,Seldom,Usually,Often,Never,Seldom,Not so satisfied,Disagree,Disagree,Disagree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,"Environment of use,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
18-24,Diploma,,Architect,,Travels and Hospitality,,"N 251,000 - N 500,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Agree,Disagree,Agree,Agree,,Disagree,Agree,Agree,Neither Agree Nor Disagree,Disagree,Never,Never,Often,Never,Always,,Agree,Disagree,Agree,Agree,Agree,Strongly Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,Average,Advance,Advance,Basic,Expert,Yes,Yes,Strongly Agree,Agree,Always,Never,Usually,Usually,Always,Always,Extremely satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,"Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
18-24,Diploma,,Economist,,Non-Governmental organisation,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Agree,Agree,Agree,Agree,,Agree,Agree,Agree,Disagree,Agree,Usually,Usually,Often,Always,Always,,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,A bit above average,Basic,None,Average,Average,Average,Basic,Yes,Yes,Agree,Strongly Agree,Always,Always,Usually,Always,Often,Always,Extremely satisfied,Strongly Agree,Agree,Agree,Disagree,Disagree,Agree,Agree,Strongly Agree,Agree,"Environment of use,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"Contactless(scanning),USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Meets my needs,,Disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,None,Basic,Basic,None,None,A bit above average,Advance,Yes,Yes,Strongly Agree,Strongly Agree,Seldom,Seldom,Never,Never,Always,Always,Very satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Other,SAILOR,Other,MARINTIME,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,"Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Secure,,Disagree,Strongly Disagree,Strongly Disagree,Disagree,,Strongly Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on source",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Always,Usually,Very satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,SELF EMPLOYED,Other,SELF EMPLOYED,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, based on source",,,None,None,None,None,None,None,None,No,No,Neither Agree Nor disagree,Strongly Agree,Never,As soon as it is available,Never,Never,Often,Often,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
25-34,Diploma,,Other,BUILDER,Construction,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M5,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Disagree,,Strongly Disagree,Agree,Disagree,Agree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,None,None,None,None,A bit above average,Basic,No,No,Neither Agree Nor disagree,Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,Construction,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,"Mobile Money (e.g teasy, readycash)",,6 months or less,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,Basic,Basic,Yes,Yes,Agree,Agree,Never,Always,Never,Never,Always,Always,Very satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
61 and above,Diploma,,Lecturer,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,"Mobile Money (e.g teasy, readycash)",,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of Wi-Fi",,"Contactless(scanning),Mobile App (app installed on phone)",,PIN,,Secure,,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Usually,Often,Often,Usually,Seldom,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on source",,,None,None,None,None,None,None,None,Yes,No,Agree,Neither Agree Nor disagree,It is done automatically by my service provider,Always,Usually,Seldom,Seldom,Usually,Not so satisfied,Disagree,Disagree,Disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,Disagree,Low battery life,,Just fine,,
25-34,Diploma,,IT Specialist,,Energy,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Agree,Agree,Strongly Agree,,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Usually,Never,Often,Never,Often,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Strongly Agree,As soon as it is available,It is done automatically by my service provider,Seldom,Often,Always,Often,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Neither Agree Nor disagree,In coming phone calls during transactions,,"Too relaxed, I want more with increased level of security",,
61 and above,"Postgraduate Degree (PGD, Msc., PhD.)",,Medical Doctor,,Government,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Often,Usually,Often,Usually,Usually,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, based on the website address",,,Expert,Expert,Expert,Expert,Advance,Advance,Average,Yes,Yes,Agree,Strongly Agree,Seldom,Never,Seldom,Seldom,Usually,Seldom,Somewhat satisfied,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Low battery life,,"Too relaxed, I want more with increased level of security",,
35-44,Diploma,,Engineer,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Agree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Always,Usually,Usually,Seldom,Usually,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,Basic,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Neither Agree Nor disagree,Agree,Never,Never,Often,Often,Usually,Often,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Environment of use,,Just fine,,
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Actor/Actress,,Media,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,"Mobile Money (e.g teasy, readycash)",,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Usually,Usually,Usually,Usually,Usually,,Strongly Agree,Agree,Agree,Strongly Agree,Agree,Agree,Strongly Agree,"Yes, based on look and feel",,,Basic,None,Basic,None,Basic,None,None,Yes,Yes,Agree,Strongly Agree,Never,Seldom,Usually,Usually,Usually,Usually,Very satisfied,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Disagree,Low battery life,,"Too relaxed, I want more with increased level of security",,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Agree,Strongly Agree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Agree,Agree,Often,Never,Seldom,Never,Usually,,Agree,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,"Yes, based on the website address",,,None,None,None,None,None,None,None,No,No,Disagree,Strongly Agree,Always,Seldom,Always,Usually,Always,Seldom,Extremely satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Agree,In coming phone calls during transactions,,"Too relaxed, I want more with increased level of security",,
61 and above,Secondary School CertifiPhone M3e,,Consultant,,Construction,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,"Mobile Payment (e.g paga, Ezpay)",,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,Token,,Secure,,Agree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Usually,Often,Never,Usually,Never,,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, it is on the FAQ from my bank/Operator",,,Average,Average,Average,None,Basic,None,Average,Yes,Yes,Strongly Agree,Agree,Seldom,As soon as it is available,Always,Always,Often,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Strongly Agree,Disagree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Environment of use,,Just fine,,
35-44,Diploma,,Accountant,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Complex,,Strongly Agree,Strongly Disagree,Neither Agree Nor disagree,Strongly Agree,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Agree,Usually,Never,Seldom,Always,Always,,Strongly Disagree,Strongly Disagree,Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Strongly Agree,"No, I cannot differentiate",,,A bit above average,A bit above average,Average,None,Basic,Average,Advance,No,Yes,Strongly Agree,Neither Agree Nor disagree,Always,It is done automatically by my service provider,Never,Often,Never,Seldom,Very satisfied,Strongly Agree,Disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Disagree,Agree,Strongly Disagree,Disagree,Disagree,Environment of use,,"Too restrictive, I want more with reduced level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,CUSTOMER SERVICE PERSONEL,TelecommuniPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Agree,Disagree,Disagree,Agree,Agree,Agree,Strongly Disagree,"No, I cannot differentiate",,,None,Average,None,None,None,Average,Basic,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,I don’t know,I don’t know,Often,Often,Usually,Often,Very satisfied,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Agree,In coming phone calls during transactions,,Just fine,,
35-44,Secondary School CertifiPhone M3e,,Mechanic,,Small and Medium Scale Enterprises,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,,Agree,Agree,Agree,Agree,Strongly Agree,Never,Often,Never,Usually,Never,,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,"Yes, based on the website address",,,None,None,None,None,None,None,None,Yes,Yes,Neither Agree Nor disagree,Agree,Never,As soon as it is available,Often,Usually,Always,Never,Not so satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Environment of use,,"Too restrictive, I want more with same level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 51,000 - N 100,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Seldom,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,"Yes, based on look and feel",,,None,None,Average,None,Basic,Average,A bit above average,Yes,No,Neither Agree Nor disagree,Strongly Agree,Seldom,Seldom,Seldom,Seldom,Seldom,Seldom,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,In coming phone calls during transactions,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Artist,,Media,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Agree,Agree,Agree,,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Never,Seldom,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,"No, I cannot differentiate",,,Average,Expert,None,Average,None,Average,A bit above average,No,No,Agree,Strongly Agree,I don’t know,As soon as it is available,Never,Never,Never,Never,Somewhat satisfied,Strongly Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,Energy,,">= N 501,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Agree,Agree,Disagree,,Strongly Disagree,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,Basic,None,None,None,Yes,No,Agree,Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Often,Often,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,business woman,Other,self employed,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M12,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,Yes,Neither Agree Nor disagree,Agree,I don’t know,I don’t know,Never,Never,Often,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Neither Agree Nor disagree,Strongly Agree,I don’t know,I don’t know,Never,Never,Usually,Usually,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,Diploma,,Teacher,,Government,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Disagree,Agree,Agree,Disagree,Never,Never,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,No,Disagree,Agree,Never,Never,Never,Never,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,Government,,"< = N 20,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Agree,Agree,Strongly Agree,Other,HAVE NOT COME ACROSS A FAKE ONE,,Advance,Advance,Basic,Basic,Basic,Basic,Average,No,No,Agree,Strongly Agree,Seldom,Seldom,Seldom,Never,Always,Always,Extremely satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Disagree,Never,Never,Always,Never,Never,,Strongly Agree,Disagree,Disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,None,Average,Average,No,No,Agree,Agree,As soon as it is available,Seldom,Usually,Always,Often,Always,Very satisfied,Agree,Agree,Disagree,Strongly Disagree,Agree,Agree,Agree,Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,Diploma,,Student,,Government,,"N 21,000 – N 50,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Phone Data only,,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Secure,,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,,Strongly Disagree,Strongly Agree,Strongly Agree,Disagree,Agree,Never,Never,Never,Never,Never,,Agree,Agree,Disagree,Agree,Agree,Agree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Strongly Agree,Strongly Agree,Never,Never,Never,Never,Never,Often,Very satisfied,Agree,Agree,Disagree,Strongly Disagree,Disagree,Disagree,Disagree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with reduced level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Other,CIVIL SERVANT,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Disagree,,Strongly Disagree,Strongly Agree,Disagree,Neither Agree Nor Disagree,Agree,Never,Usually,Never,Never,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Strongly Agree,Strongly Agree,As soon as it is available,Never,Often,Usually,Never,Never,Somewhat satisfied,Disagree,Disagree,Agree,Strongly Disagree,Disagree,Disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,CIVIL SERVANT,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Never,Seldom,Seldom,Never,Never,,Strongly Agree,Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,Basic,Basic,None,Basic,Average,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Seldom,Seldom,Never,Never,Somewhat satisfied,Strongly Agree,Agree,Agree,Agree,Disagree,Neither Agree Nor disagree,Disagree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Agree,Never,Seldom,Never,Never,Never,,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,None,Basic,None,Average,A bit above average,No,No,Agree,Agree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Never,Never,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Agree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Never,Seldom,Seldom,Seldom,Seldom,,Agree,Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, it is on the FAQ from my bank/Operator",,,None,Basic,A bit above average,A bit above average,None,Average,Advance,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Often,Usually,Often,Usually,Somewhat satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Agree,Neither Agree Nor disagree,Disagree,Agree,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Usually,Always,Always,Always,Seldom,,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Neither Agree Nor disagree,Neither Agree Nor disagree,I don’t know,I don’t know,Never,Never,Never,Never,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,"Mobile Payment (e.g paga, Ezpay)",,12 months and beyond,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Strongly Agree,Strongly Agree,Agree,,Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Disagree,Strongly Agree,Usually,Usually,Usually,Usually,Usually,,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,"Yes, my bank/MFS operator showed me how",,,None,None,None,Average,Basic,Basic,Basic,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Always,Often,Often,Extremely satisfied,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
25-34,Diploma,,Accountant,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Agree,Agree,Strongly Agree,Agree,Agree,Never,Never,Never,Never,Usually,,Disagree,Agree,Disagree,Disagree,Agree,Strongly Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Basic,A bit above average,Average,Basic,Basic,Average,Yes,Yes,Agree,Strongly Agree,Always,Never,Never,Always,Often,Always,Not so satisfied,Disagree,Agree,Disagree,Agree,Strongly Disagree,Strongly Agree,Agree,Disagree,Neither Agree Nor disagree,Low battery life,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,SELF EMPLOUED,Other,BUSINESS,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M13,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Neither Agree Nor disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Strongly Agree,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,Average,None,Average,Average,Average,Average,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,Never,Never,Never,Never,Never,Never,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Disagree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Never,Seldom,Never,Never,Never,,Strongly Agree,Disagree,Strongly Agree,Agree,Agree,Strongly Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Expert,Expert,Advance,Advance,Expert,Expert,Expert,Yes,Yes,Agree,Strongly Agree,As soon as it is available,Seldom,Seldom,Often,Seldom,Seldom,Very satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,Secondary School CertifiPhone M3e,,Student,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M4,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Secure,,Strongly Disagree,Strongly Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on source",,,None,Average,None,Average,Average,Average,Average,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Very satisfied,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Advance,Basic,Advance,Advance,Advance,Average,Yes,Yes,Strongly Agree,Strongly Agree,Always,Always,Often,Seldom,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,"Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Neither Agree Nor disagree,Strongly Disagree,Strongly Disagree,,Disagree,Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Usually,Never,,Agree,Strongly Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Seldom,Usually,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,NYSC,Government,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, based on look and feel",,,None,None,None,None,None,None,Basic,No,No,Neither Agree Nor disagree,Strongly Agree,It is done automatically by my service provider,As soon as it is available,Usually,Usually,Always,Often,Very satisfied,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Consultant,,Other,BUSINESS DEVELOPMENT,"N 101,000 - N 250,000",Yes,,,,,Phone t4,,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Usually,Never,Seldom,Usually,Usually,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, my bank/MFS operator showed me how",,,None,Advance,None,A bit above average,None,None,None,No,No,Disagree,Agree,As soon as it is available,As soon as it is available,Never,Never,Never,Never,Somewhat satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
45-60,Diploma,,Police,,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M13,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Neither Agree Nor disagree,,Disagree,Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Never,Usually,Seldom,Never,Usually,,Agree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,Yes,Disagree,Neither Agree Nor disagree,Never,Never,Never,Never,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Trader,,Small and Medium Scale Enterprises,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M4,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,I am not sure,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Disagree,Disagree,Disagree,Disagree,Never,Usually,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, based on source",,,None,None,None,None,None,None,None,No,No,Neither Agree Nor disagree,Agree,Never,Never,Never,Never,Often,Often,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,APPLICANT,Other,APPLICANT,"< = N 20,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,Never,Never,Never,Never,Usually,Usually,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M12,Mobile Banking,,6 months or less,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,,Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Disagree,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,Basic,Yes,No,Disagree,Agree,Never,Never,Never,Never,Seldom,Usually,Not so satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,Diploma,,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Strongly Disagree,Disagree,Never,Seldom,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,None,None,None,None,Basic,Average,Yes,Yes,Neither Agree Nor disagree,Agree,It is done automatically by my service provider,As soon as it is available,Never,Never,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"< = N 20,000",Yes,,,,,Other,Phone M19,Mobile Banking,,6 months or less,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Disagree,,Agree,Agree,Agree,Agree,Agree,Never,Seldom,Never,Never,Never,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Expert,Advance,Advance,Expert,Advance,Expert,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Always,Always,Always,Not so satisfied,Agree,Agree,Strongly Disagree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,Media,,"N 21,000 – N 50,000",Yes,,,,,Phone t2,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Strongly Agree,Strongly Agree,Agree,Agree,Strongly Agree,Never,Seldom,Never,Usually,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,Average,Average,Average,Average,Average,Yes,Yes,Agree,Agree,Seldom,Always,Never,Usually,Always,Always,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Seldom,Never,Never,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"Yes, based on look and feel",,,Basic,Basic,None,Basic,Basic,Basic,Basic,No,No,Disagree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Seldom,Seldom,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,ICT,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Usually,,Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,Average,No,No,Disagree,Agree,Seldom,Always,Never,Never,Never,Never,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Other,I DONT MAKE LARGE TRANSFERS VIA MFS,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,Government,,"< = N 20,000",Yes,,,,,Other,Phone M4,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Disagree,Neither Agree Nor Disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, based on source",,,None,None,None,Expert,None,A bit above average,None,No,No,Agree,Agree,Seldom,Seldom,Usually,Usually,Often,Often,Very satisfied,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,Disagree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,Wi-Fi only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Agree,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Never,Often,Often,Seldom,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Neither Agree Nor disagree,Neither Agree Nor disagree,Seldom,Seldom,Often,Seldom,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with reduced level of security",,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Other,SOCIOLOGIST,Energy,,"< = N 20,000",Yes,,,,,Other,Phone M13,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Never,Often,Never,Seldom,Often,,Agree,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Agree,Strongly Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,Average,Average,No,No,Agree,Agree,Never,Never,Often,Often,Always,Usually,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,TelecommuniPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Agree,,Strongly Agree,Agree,Agree,Agree,Neither Agree Nor Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,None,No,No,Strongly Agree,Strongly Agree,As soon as it is available,It is done automatically by my service provider,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Other,I dont get frustrated at all i concentrate when doing it,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Medical Doctor,,Health,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M13,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Often,Always,Seldom,Never,,Agree,Strongly Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Expert,Expert,Expert,Expert,Expert,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Never,Never,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Environment of use,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,IT Specialist,,ICT,,"< = N 20,000",Yes,,,,,Phone t2,,Mobile Banking,,7-12 months,"It is more convenient than going to the bank,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Agree,,Strongly Disagree,Agree,Neither Agree Nor Disagree,Disagree,Agree,Never,Seldom,Often,Never,Seldom,,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Average,A bit above average,A bit above average,Average,Advance,A bit above average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Never,Never,Very satisfied,Agree,Disagree,Agree,Agree,Agree,Strongly Agree,Neither Agree Nor disagree,Agree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
18-24,"Postgraduate Degree (PGD, Msc., PhD.)",,Consultant,,Small and Medium Scale Enterprises,,"N 21,000 – N 50,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"PIN,Biometry",,Secure,,Agree,Disagree,Disagree,Strongly Disagree,,Agree,Agree,Agree,Agree,Agree,Never,Often,Never,Never,Never,,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,A bit above average,A bit above average,Advance,Expert,Advance,Expert,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,"Mobile Money (e.g teasy, readycash),Mobile Banking",,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,"PIN,Biometry",,Secure,,Disagree,Disagree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Agree,Never,Never,Never,Seldom,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,No,Agree,Agree,As soon as it is available,Always,Seldom,Never,Never,Never,Somewhat satisfied,Agree,Disagree,Neither Agree Nor disagree,Agree,Agree,Disagree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Engineer,,Construction,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,Never,Never,Never,Never,Usually,Usually,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Non-Governmental organisation,,"N 101,000 - N 250,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,,Agree,Agree,Disagree,Disagree,Neither Agree Nor Disagree,Never,Seldom,Seldom,Usually,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,Average,A bit above average,A bit above average,Average,A bit above average,A bit above average,No,No,Agree,Strongly Agree,As soon as it is available,Seldom,Never,Never,Never,Never,Extremely satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Agree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with reduced level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Never,,Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Average,Average,None,None,None,None,None,No,No,Agree,Neither Agree Nor disagree,Seldom,Seldom,Never,Never,Never,Never,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Disagree,Disagree,,Disagree,Agree,Disagree,Neither Agree Nor Disagree,Disagree,Never,Seldom,Often,Never,Never,,Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,Average,Basic,None,None,Basic,None,None,No,No,Agree,Neither Agree Nor disagree,Seldom,Seldom,Never,Never,Seldom,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,In coming phone calls during transactions,,"Too restrictive, I want more with same level of security",,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Consultant,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Agree,Agree,Agree,Disagree,,Strongly Disagree,Agree,Agree,Agree,Agree,Never,Never,Never,Never,Never,,Agree,Strongly Agree,Strongly Disagree,Strongly Disagree,Strongly Agree,Strongly Disagree,Strongly Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,Basic,No,No,Agree,Agree,Never,I don’t know,Never,Usually,Never,Never,Not so satisfied,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Weak network strength or poor network connectivity,,"Too relaxed, I want more with increased level of security",,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Other,civil servant,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Seldom,Always,,Strongly Agree,Strongly Disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,Average,No,No,Strongly Agree,Strongly Agree,Seldom,Seldom,Never,Never,Never,Never,Extremely satisfied,Strongly Agree,Agree,Agree,Strongly Disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too relaxed, I want more with increased level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,Microbiologist,Health,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M8,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Usually,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,None,None,None,Basic,Yes,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Never,Never,Seldom,Often,Very satisfied,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,Diploma,,Engineer,,Government,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Neither Agree Nor Disagree,Never,Seldom,Always,Never,Never,,Strongly Agree,Strongly Disagree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,Basic,No,Yes,Strongly Agree,Agree,As soon as it is available,As soon as it is available,Never,Seldom,Never,Never,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Strongly Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,If i use more of MFS there should be some bonus awarded
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Teacher,,Other,Insurances,"N 21,000 – N 50,000",Yes,,,,,Phone t2,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Basic,Basic,Basic,Basic,Basic,Basic,No,No,Agree,Agree,Seldom,Always,Always,Always,Often,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,ICT,,"< = N 20,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Usually,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Disagree,"No, I cannot differentiate",,,Basic,Basic,Basic,Average,Average,A bit above average,Advance,No,No,Agree,Strongly Agree,I don’t know,Seldom,Never,Never,Usually,Often,Very satisfied,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with reduced level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,Basic,Basic,A bit above average,Advance,A bit above average,Yes,Yes,Agree,Strongly Agree,Always,Seldom,Seldom,Never,Usually,Usually,Very satisfied,Strongly Agree,Strongly Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Lawyer,,Government,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Disagree,Agree,Agree,Agree,Disagree,Strongly Disagree,"No, I cannot differentiate",,,None,Basic,None,None,None,Basic,Advance,No,No,Neither Agree Nor disagree,Strongly Agree,Never,Never,Never,Never,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Disagree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M8,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Neither Agree Nor Disagree,Agree,"Yes, based on source",,,Basic,Average,Average,None,Average,A bit above average,Advance,Yes,Yes,Agree,Agree,Always,Always,Usually,Seldom,Always,Always,Very satisfied,Strongly Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Agree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
25-34,Diploma,,Health Worker,,Health,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Strongly Agree,Disagree,Strongly Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,Agree,"No, I cannot differentiate",,,None,Basic,None,Average,Average,Average,Basic,Yes,Yes,Neither Agree Nor disagree,Strongly Agree,Never,Never,Never,Usually,Always,Often,Very satisfied,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Health Worker,,Non-Governmental organisation,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M12,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Neither Agree Nor disagree,Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Disagree,Never,Seldom,Seldom,Never,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, based on source",,,A bit above average,Advance,Advance,Advance,Average,A bit above average,Advance,No,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Seldom,Usually,Seldom,Seldom,Somewhat satisfied,Agree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Military,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Agree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Strongly Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,"Yes, based on the website address",,,None,Advance,Advance,Average,Average,Advance,Advance,No,No,Strongly Agree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Never,Never,Seldom,Seldom,Very satisfied,Agree,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Neither Agree Nor disagree,Strongly Agree,In coming phone calls during transactions,,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,CUSTOMER CAREAGENT,TelecommuniPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M3,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Agree,Neither Agree Nor disagree,Strongly Disagree,,Strongly Disagree,Agree,Agree,Disagree,Strongly Disagree,Never,Seldom,Never,Seldom,Never,,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,Basic,None,Basic,None,No,No,Agree,Agree,As soon as it is available,Never,Never,Never,Always,Always,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Other,RECRUITMENT OFFICER,Non-Governmental organisation,,">= N 501,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,"Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Agree,Disagree,Neither Agree Nor disagree,Disagree,,Disagree,Agree,Strongly Disagree,Disagree,Agree,Never,Never,Usually,Never,Never,,Agree,Strongly Disagree,Strongly Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Basic,None,Basic,None,Average,Average,No,No,Strongly Agree,Strongly Agree,As soon as it is available,Seldom,Seldom,Never,Always,Usually,Somewhat satisfied,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Economist,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Seldom,Seldom,Never,Never,,Agree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,Average,Average,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Usually,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,Agree,Weak network strength or poor network connectivity,,Just fine,,
18-24,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,ICT,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,Average,Average,Average,Average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Always,Always,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Environment of use,Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with reduced level of security",,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of Wi-Fi",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Agree,Disagree,Disagree,,Disagree,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Disagree,"No, I cannot differentiate",,,Advance,Advance,Advance,Advance,Advance,Advance,Advance,No,No,Agree,Agree,Always,Always,Seldom,Seldom,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,Mobile Banking,,6 months or less,"It is more convenient than going to the bank,Ease of use,I can use it anywhere and at anytime",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Seldom,Never,Never,,Agree,Disagree,Agree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Strongly Agree,"Yes, based on look and feel",,,None,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Neither Agree Nor disagree,Disagree,Seldom,As soon as it is available,Never,Seldom,Often,Seldom,Very satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Neither Agree Nor disagree,Agree,Strongly Agree,Agree,Agree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,EduPhone M3ion,,"N 251,000 - N 500,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,"USSD(SMS like payment instructions e.g. *776#),Mobile App (app installed on phone)",,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Disagree,,Disagree,Agree,Disagree,Disagree,Disagree,Never,Often,Seldom,Never,Never,,Agree,Agree,Agree,Disagree,Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,No,Agree,Agree,Never,Seldom,Seldom,Usually,Often,Usually,Somewhat satisfied,Disagree,Disagree,Disagree,Neither Agree Nor disagree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,Small and Medium Scale Enterprises,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M4,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Strongly Disagree,,Disagree,Neither Agree Nor Disagree,Agree,Disagree,Disagree,Seldom,Seldom,Never,Seldom,Seldom,,Agree,Disagree,Agree,Agree,Agree,Disagree,Agree,"Yes, based on source",,,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,A bit above average,No,No,Agree,Neither Agree Nor disagree,Seldom,Always,Never,Seldom,Always,Always,Very satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Agree,Agree,Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
18-24,Diploma,,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Disagree,,Disagree,Agree,Agree,Disagree,Disagree,Never,Never,Never,Never,Usually,,Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Agree,Strongly Agree,Never,Never,Never,Never,Never,Never,Somewhat satisfied,Agree,Neither Agree Nor disagree,Disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,6 months or less,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Disagree,,Disagree,Agree,Agree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Disagree,Disagree,Agree,Disagree,Agree,"No, I cannot differentiate",,,Basic,Basic,Basic,A bit above average,A bit above average,Advance,Expert,No,No,Strongly Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Often,Often,Somewhat satisfied,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Usually,Never,Often,,Agree,Disagree,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,"Yes, my bank/MFS operator showed me how",,,Basic,Average,None,Expert,Average,A bit above average,Expert,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Always,Always,Somewhat satisfied,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Disagree,Strongly Agree,"In coming phone calls during transactions,Environment of use,Low battery life",,"Too restrictive, I want more with reduced level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Artisan,,General Merchandise,,"N 21,000 – N 50,000",Yes,,,,,Phone t2,,Mobile Banking,,7-12 months,Ease of use,,Was done for me by service provider,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Neither Agree Nor disagree,Disagree,Disagree,Disagree,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Disagree,Disagree,Agree,Agree,Neither Agree Nor Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,Average,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Often,Often,Usually,Usually,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"In coming phone calls during transactions,Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Trader,,Small and Medium Scale Enterprises,,"< = N 20,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Disagree,Disagree,Disagree,,Agree,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Usually,Usually,Always,Never,Always,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,None,No,Yes,Agree,Agree,Never,I don’t know,Usually,Seldom,Often,Always,Very satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Disagree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too restrictive, I want more with same level of security",,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Lawyer,,Non-Governmental organisation,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Strongly Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,A bit above average,A bit above average,Average,A bit above average,Advance,Advance,No,No,Strongly Agree,Agree,As soon as it is available,Always,Often,Often,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Disagree,Disagree,Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Disagree,Strongly Disagree,,Disagree,Agree,Disagree,Disagree,Strongly Disagree,Never,Never,Never,Never,Seldom,,Strongly Agree,Disagree,Neither Agree Nor Disagree,Disagree,Strongly Agree,Strongly Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,None,Yes,Yes,Agree,Agree,Always,Always,Always,Always,Never,Never,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Accountant,,Government,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,12 months and beyond,"lower cost of transaction compared to other means,It is more convenient than going to the bank,Ease of use",,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Neither Agree Nor disagree,Neither Agree Nor disagree,Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Disagree,Never,Often,Seldom,Never,Never,,Neither Agree Nor Disagree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,Basic,None,Basic,Basic,Basic,Basic,No,No,Disagree,Neither Agree Nor disagree,As soon as it is available,As soon as it is available,Seldom,Seldom,Never,Never,Very satisfied,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Medical Doctor,,Health,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Strongly Disagree,Neither Agree Nor Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Disagree,Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"No, I cannot differentiate",,,Basic,None,None,None,None,Average,A bit above average,No,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Usually,Often,Often,Somewhat satisfied,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Disagree,Agree,"Environment of use,Weak network strength or poor network connectivity",,Too restrictive I want more with increased level of security,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Nurse,,Health,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M6 ,Mobile Banking,,12 months and beyond,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Agree,Agree,Strongly Agree,Strongly Disagree,,Strongly Disagree,Agree,Strongly Disagree,Strongly Disagree,Strongly Disagree,Never,Often,Never,Never,Never,,Agree,Strongly Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,Average,No,No,Disagree,Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Often,Very satisfied,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Disagree,Strongly Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,I like mfs because it saves time 
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Health Worker,,Government,,"N 101,000 - N 250,000",Yes,,,,,Phone t4,,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Neither Agree Nor disagree,Disagree,Agree,Agree,,Disagree,Agree,Agree,Disagree,Agree,Seldom,Often,Often,Seldom,Seldom,,Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Disagree,Disagree,"No, I cannot differentiate",,,None,Basic,Average,Advance,A bit above average,Expert,Expert,No,No,Agree,Agree,Seldom,Seldom,Often,Often,Always,Seldom,Not so satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,"In coming phone calls during transactions,Environment of use,Low battery life,Weak network strength or poor network connectivity",,"Too relaxed, I want more with increased level of security",,
25-34,"Postgraduate Degree (PGD, Msc., PhD.)",,Architect,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,Mobile Banking,,7-12 months,It is more convenient than going to the bank,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Strongly Disagree,Disagree,Disagree,,Disagree,Strongly Disagree,Strongly Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Average,Average,Average,A bit above average,Average,Advance,Advance,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Very satisfied,Agree,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Environment of use",,Too restrictive I want more with increased level of security,,
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Health Worker,,Health,,"N 51,000 - N 100,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Neither Agree Nor disagree,Strongly Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Seldom,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Disagree,Strongly Disagree,Disagree,"Yes, based on source",,,None,None,Average,Average,None,Expert,Expert,No,No,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Strongly Agree,Disagree,"Environment of use,Low battery life",,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Architect,,Real Estate,,"N 101,000 - N 250,000",Yes,,,,,Phone t1,,Mobile Banking,,7-12 months,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Strongly Disagree,Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Disagree,Never,Never,Always,Never,Never,,Strongly Agree,Agree,Disagree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Average,Average,A bit above average,Advance,Advance,Advance,Yes,No,Agree,Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Somewhat satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Weak network strength or poor network connectivity,,"Too restrictive, I want more with same level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,IT Specialist,,ICT,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Complex,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,A bit above average,Average,Average,Advance,A bit above average,Advance,Average,No,No,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Often,Often,Very satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Disagree,Agree,Environment of use,,Too restrictive I want more with increased level of security,,
45-60,"1st Degree (Bsc., Btech. HND. etc.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t2,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Strongly Disagree,Disagree,Neither Agree Nor Disagree,Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,A bit above average,Average,Advance,Expert,Expert,Advance,Yes,Yes,Disagree,Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Agree,Environment of use,,"Too restrictive, I want more with reduced level of security",,
35-44,Diploma,,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M1,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,Phone Data only,,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Strongly Disagree,,Strongly Disagree,Strongly Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Strongly Disagree,Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Average,None,None,None,None,None,None,Yes,Yes,Strongly Agree,Strongly Agree,It is done automatically by my service provider,It is done automatically by my service provider,Never,Never,Seldom,Seldom,Extremely satisfied,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Lawyer,,Non-Governmental organisation,,"N 251,000 - N 500,000",Yes,,,,,Other,Phone M12,"Mobile Payment (e.g paga, Ezpay),Mobile Banking",,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Disagree,Agree,Agree,Disagree,Strongly Disagree,Never,Seldom,Never,Never,Never,,Agree,Strongly Agree,Agree,Strongly Agree,Strongly Agree,Disagree,Strongly Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,Basic,Average,Average,Basic,Basic,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Always,Always,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Neither Agree Nor disagree,Strongly Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,"Too relaxed, I want more with increased level of security",,
61 and above,"Postgraduate Degree (PGD, Msc., PhD.)",,Lecturer,,EduPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Strongly Disagree,Strongly Disagree,Strongly Disagree,,Disagree,Disagree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Strongly Agree,Disagree,Agree,Strongly Agree,Strongly Agree,Agree,Agree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,Yes,No,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Never,Never,Seldom,Seldom,Very satisfied,Agree,Agree,Neither Agree Nor disagree,Neither Agree Nor disagree,Neither Agree Nor disagree,Agree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,Just fine,,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Student,,EduPhone M3ion,,"< = N 20,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Disagree,Agree,Agree,Agree,,Neither Agree Nor Disagree,Strongly Agree,Agree,Neither Agree Nor Disagree,Strongly Disagree,Never,Always,Always,Seldom,Never,,Agree,Strongly Agree,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,None,None,None,Basic,Basic,Basic,None,Yes,No,Agree,Agree,As soon as it is available,As soon as it is available,Often,Often,Often,Often,Very satisfied,Agree,Agree,Agree,Strongly Agree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,"In coming phone calls during transactions,Weak network strength or poor network connectivity",,"Too relaxed, I want more with increased level of security",,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 21,000 – N 50,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Agree,Disagree,,Disagree,Strongly Agree,Neither Agree Nor Disagree,Disagree,Disagree,Never,Seldom,Never,Never,Often,,Agree,Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,Average,None,Basic,Average,Yes,No,Agree,Agree,It is done automatically by my service provider,It is done automatically by my service provider,Usually,Usually,Usually,Seldom,Very satisfied,Strongly Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Neither Agree Nor disagree,Agree,Agree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Project Manager,,Manufacturing,,"N 21,000 – N 50,000",Yes,,,,,Other,Phone M6,Mobile Banking,,7-12 months,"Ease of use,I can use it anywhere and at anytime",,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Disagree,Agree,Disagree,,Disagree,Strongly Agree,Disagree,Disagree,Neither Agree Nor Disagree,Never,Never,Never,Seldom,Usually,,Agree,Agree,Neither Agree Nor Disagree,Disagree,Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,Basic,Basic,None,Basic,Average,No,No,Agree,Strongly Agree,Never,Never,Often,Often,Always,Always,Somewhat satisfied,Agree,Strongly Agree,Agree,Strongly Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,"Low battery life,Weak network strength or poor network connectivity",,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Engineer,,TelecommuniPhone M3ion,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Strongly Disagree,Disagree,Agree,Strongly Disagree,,Strongly Disagree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Disagree,Agree,Seldom,Never,Often,Never,Never,,Agree,Disagree,Neither Agree Nor Disagree,Disagree,Disagree,Disagree,Disagree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Advance,Advance,A bit above average,Expert,A bit above average,Advance,None,Yes,Yes,Strongly Agree,Strongly Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Very satisfied,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Teacher,,EduPhone M3ion,,"N 51,000 - N 100,000",Yes,,,,,Phone t4,,Mobile Banking,,12 months and beyond,Ease of use,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Disagree,Disagree,Strongly Agree,Disagree,,Agree,Agree,Disagree,Disagree,Agree,Never,Often,Never,Never,Never,,Agree,Agree,Neither Agree Nor Disagree,Neither Agree Nor Disagree,Agree,Agree,Neither Agree Nor Disagree,"No, I cannot differentiate",,,None,None,None,None,None,None,None,No,No,Agree,Strongly Agree,Never,Never,Seldom,Usually,Always,Always,Very satisfied,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Neither Agree Nor disagree,Disagree,Agree,Agree,Weak network strength or poor network connectivity,,Just fine,,
45-60,"Postgraduate Degree (PGD, Msc., PhD.)",,Accountant,,Government,,"N 51,000 - N 100,000",Yes,,,,,Phone t2,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Neither Agree Nor disagree,Disagree,Strongly Disagree,,Strongly Disagree,Agree,Disagree,Strongly Disagree,Strongly Disagree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, based on source",,,Advance,Advance,Advance,A bit above average,Average,A bit above average,A bit above average,No,Yes,Agree,Agree,As soon as it is available,As soon as it is available,Usually,Usually,Usually,Usually,Very satisfied,Strongly Agree,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Agree,Strongly Agree,"In coming phone calls during transactions,Low battery life,Weak network strength or poor network connectivity",,"Too restrictive, I want more with reduced level of security",,
25-34,"1st Degree (Bsc., Btech. HND. etc.)",,Clergy,,Non-Governmental organisation,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M4,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Strongly Disagree,Agree,Disagree,Disagree,,Strongly Disagree,Agree,Disagree,Disagree,Strongly Disagree,Never,Seldom,Never,Never,Seldom,,Agree,Neither Agree Nor Disagree,Agree,Agree,Agree,Neither Agree Nor Disagree,Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,Basic,Basic,Basic,Basic,Basic,Average,Basic,No,Yes,Agree,Agree,Never,Never,Usually,Always,Usually,Seldom,Somewhat satisfied,Agree,Agree,Agree,Strongly Disagree,Agree,Agree,Neither Agree Nor disagree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Too restrictive I want more with increased level of security,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Other,AUDITOR,Government,,"N 51,000 - N 100,000",Yes,,,,,Other,Phone M1,Mobile Banking,,7-12 months,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Secure,,Disagree,Disagree,Disagree,Disagree,,Disagree,Disagree,Disagree,Disagree,Disagree,Never,Never,Never,Never,Never,,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Agree,Strongly Agree,"Yes, due to my awareness of cybersecurity and Information Phone M5logy",,,None,None,None,None,None,None,None,Yes,Yes,Disagree,Strongly Agree,Never,Never,Never,Never,Always,Always,Very satisfied,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Disagree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"Postgraduate Degree (PGD, Msc., PhD.)",,Banker,,Bank,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,7-12 months,I can use it anywhere and at anytime,,Installing via SDTK (SIM Development tool kit),,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Easy to navigate,,Strongly Disagree,Disagree,Agree,Disagree,,Disagree,Agree,Strongly Agree,Disagree,Agree,Never,Seldom,Never,Never,Never,,Strongly Agree,Agree,Agree,Neither Agree Nor Disagree,Strongly Agree,Agree,Strongly Agree,"Yes, it is on the FAQ from my bank/Operator",,,Average,Average,Average,Average,Average,Average,Average,Yes,Yes,Agree,Strongly Agree,As soon as it is available,As soon as it is available,Usually,Always,Often,Often,Very satisfied,Agree,Agree,Agree,Agree,Agree,Strongly Agree,Strongly Agree,Agree,Strongly Agree,Weak network strength or poor network connectivity,,Just fine,,
35-44,"1st Degree (Bsc., Btech. HND. etc.)",,Health Worker,,Health,,"N 101,000 - N 250,000",Yes,,,,,Phone t3,,Mobile Banking,,12 months and beyond,Ease of use,,Downloading from the apps store,,"Both Wi-Fi and phone data, but more of phone data",,Mobile App (app installed on phone),,PIN,,Meets my needs,,Agree,Agree,Agree,Neither Agree Nor disagree,,Disagree,Agree,Agree,Agree,Agree,Never,Never,Never,Never,Never,,Agree,Agree,Agree,Agree,Agree,Agree,Agree,"Yes, my bank/MFS operator showed me how",,,Basic,Basic,Average,Average,Average,Average,Average,Yes,No,Agree,Agree,As soon as it is available,As soon as it is available,Often,Often,Always,Always,Not so satisfied,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,Agree,In coming phone calls during transactions,,Too restrictive I want more with increased level of security,,