Table 5. Measurement model Demographic...

Table 5.

Measurement model

Demographic category	Sub-category	No. of respondents	%
Age	18–30	360	45
	31–40	200	25
	41–50	144	15
	51–60	40	5
	60+	56	7
Gender	Male	496	62
	Female	296	37
	Other/non-binary	8	1
Employment status	Employed	380	47
	Self-employed	200	25
	Unemployed	80	10
	Student	120	15
	Retired	20	2
Education level	No formal education	40	5
	Primary education	170	21
	Intermediate/diploma	190	24
	Graduate	220	22
	Postgraduate	180	27
Fintech usage	Regular users	380	47
	Occasional users	220	27
	Rare users	180	22
	Non-users	20	2
Bank account	Yes	530	66
Bank account	No	270	34

Demographic category	Sub-category	No. of respondents	%
Age	18–30	360	45
	31–40	200	25
	41–50	144	15
	51–60	40	5
	60+	56	7
Gender	Male	496	62
	Female	296	37
	Other/non-binary	8	1
Employment status	Employed	380	47
	Self-employed	200	25
	Unemployed	80	10
	Student	120	15
	Retired	20	2
Education level	No formal education	40	5
	Primary education	170	21
	Intermediate/diploma	190	24
	Graduate	220	22
	Postgraduate	180	27
Fintech usage	Regular users	380	47
	Occasional users	220	27
	Rare users	180	22
	Non-users	20	2
Bank account	Yes	530	66
Bank account	No	270	34

Source(s): Authors’ own work

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