Table 5.

Robustness tests: replacement of explanatory variables.

	(1)	(2)	(3)	(4)
	Medical	Fitness	Median	Average
	expenditure	expenditure	(0–1)	(0–1)
Digital payments	0.0432**	0.157***	0.00840**	0.00790**
	(2.20)	(8.71)	(2.28)	(2.63)
Control variables for household head	Yes	Yes	Yes	Yes
Control variables for household	Yes	Yes	Yes	Yes
Household fixed effects	Yes	Yes	Yes	Yes
Time fixed effects	Yes	Yes	Yes	Yes
N	24,126	24,126	24,126	24,126
R 2	0.782	0.098	0.018	0.017

^*** and ^** indicate significant at the 1 and 5% statistical levels, respectively, with t-values in parentheses.