Table 4 |.
Descriptive analyses of 4MyBaby debit card transactions among BFY mothers who consented for research use of transaction data
| Age 0–1 years | Age 1–2 years | Age 2–3 years | Age 0–3 years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| All | High cash | Low cash | All | High cash | Low cash | All | High cash | Low cash | All | High cash | Low cash | |
| Purchasing behaviour | ||||||||||||
| Number of unique categories purchased from | 10.6 | 16.6 | 6.3 | 10.1 | 15.7 | 6.0 | 9.7 | 15.0 | 5.8 | 17.6 | 26.2 | 11.5 |
| Only use the debit card at vendors | 53% | 15% | 80% | 53% | 13% | 81% | 51% | 15% | 78% | 31% | 7% | 49% |
| Transactions done at ATMs | 9% | 16% | 4% | 10% | 17% | 4% | 10% | 17% | 4% | 12% | 19% | 7% |
| Total amount that is spent at ATMs (%) | 18% | 35% | 6% | 18% | 35% | 6% | 18% | 34% | 6% | 18% | 35% | 7% |
| Only use the debit card at ATMs | 1% | 1% | 1% | 1% | 1% | 2% | 2% | 3% | 2% | 1% | 1% | 1% |
| Use the card at a mixture of ATM and vendors | 46% | 84% | 19% | 46% | 85% | 17% | 46% | 81% | 20% | 68% | 92% | 50% |
| Haven’t used the card | 2% | 0% | 3% | 2% | 1% | 4% | 2% | 0% | 3% | 1% | 0% | 1% |
| No. of months card was used | 10.08 | 11.52 | 9.03 | 10.06 | 11.44 | 9.05 | 9.87 | 11.41 | 8.73 | 30.11 | 34.83 | 26.78 |
| Per cent of months used the card | 84% | 96% | 75% | 84% | 95% | 75% | 82% | 95% | 73% | 84% | 97% | 74% |
| Used the card every month | 39% | 66% | 20% | 45% | 64% | 30% | 40% | 63% | 23% | 26% | 53% | 7% |
| Used the card at least 11 out of 12 months | 70% | 94% | 52% | 69% | 94% | 50% | 63% | 92% | 42% | |||
| Used the card at least 35 out of 36 months | 46% | 84% | 20% | |||||||||
| Transaction success, number per mother | ||||||||||||
| Approved transactions | 54.6 | 98.9 | 21.1 | 52.9 | 95.5 | 21.2 | 49.0 | 87.6 | 19.6 | 152.5 | 281.9 | 60.2 |
| Failed transactions due to insufficient funds | 2.7 | 3.7 | 2.0 | 2.7 | 3.8 | 1.9 | 1.7 | 2.5 | 1.2 | 7.1 | 10.1 | 5.1 |
| Failed transactions due to PIN problems | 1.9 | 2.6 | 1.4 | 1.6 | 2.2 | 1.2 | 0.9 | 1.4 | 0.6 | 4.4 | 6.1 | 3.2 |
| Failed transactions due to other errors | 10.4 | 14.6 | 7.3 | 11.1 | 15.3 | 8.0 | 11.4 | 16.1 | 7.9 | 8.2 | 11.5 | 5.9 |
| Transaction amount, top ten categories ($) | ||||||||||||
| ATM | 566.7 | 1,324.8 | 10.7 | 583.8 | 1,367.2 | 13.0 | 526.1 | 1,214.4 | 17.1 | 1,642.3 | 3,912.0 | 39.9 |
| Department/variety store | 47.1 | 104.0 | 5.4 | 38.4 | 84.1 | 5.1 | 42.5 | 92.4 | 5.5 | 125.1 | 280.4 | 15.5 |
| Dollar discount | 62.5 | 126.1 | 15.8 | 67.2 | 136.1 | 17.1 | 63.6 | 127.4 | 16.5 | 190.0 | 389.5 | 49.2 |
| Fast food | 72.5 | 143.2 | 20.6 | 77.1 | 148.8 | 24.8 | 98.7 | 194.0 | 28.2 | 247.0 | 494.5 | 72.3 |
| Fuel/service station | 81.1 | 156.2 | 26.0 | 84.4 | 157.3 | 31.2 | 93.9 | 178.0 | 31.8 | 256.5 | 496.3 | 87.2 |
| Grocery store/supermarket | 161.1 | 341.3 | 29.0 | 158.4 | 340.9 | 25.5 | 121.1 | 253.8 | 23.0 | 427.1 | 924.0 | 76.3 |
| Online variety store | 34.4 | 74.9 | 4.7 | 48.3 | 104.0 | 7.7 | 47.8 | 103.4 | 6.7 | 127.8 | 281.0 | 19.8 |
| Other | 416.2 | 902.5 | 59.6 | 451.0 | 972.1 | 71.4 | 427.4 | 914.9 | 66.8 | 1,271.3 | 2,790.4 | 198.8 |
| Phone | 61.1 | 141.0 | 2.5 | 71.8 | 166.4 | 2.8 | 64.4 | 148.6 | 2.1 | 192.9 | 455.7 | 7.3 |
| Walmart | 191.9 | 414.3 | 28.7 | 159.1 | 343.0 | 25.2 | 144.7 | 309.0 | 23.2 | 481.4 | 1,056.0 | 75.7 |
| Wholesale | 27.5 | 62.5 | 1.9 | 33.8 | 75.9 | 3.1 | 35.3 | 79.1 | 2.8 | 92.4 | 212.5 | 7.5 |
| Observations | 839 | 355 | 484 | 828 | 349 | 479 | 835 | 355 | 480 | 882 | 365 | 517 |
To be included in the age 0–1, age 1–2 and age 2–3 samples, participants had to have completed the wave 1, wave 2 and wave 3 surveys, respectively. To be included in the age 0–3 sample, participants had to have completed one survey other than the baseline (either wave 1, wave 2 or wave 3).