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Correlational findings

Study Graham & Nikolova (2013a): study ZZ South Sahara Africa 2011

Public
15+ aged general public . Sub Sahran Africa 2011
Survey name
INT-GallupWorldPoll2012
Sample
Respondents
N = 23674
Non Response
Assessment
Interview: face-to-face
The surveys are face-to-face in countries where telephone coverage is limited, and by telephone in those where it is universal (primarily the OECD countries).

Correlate

Authors's Label
Access to mobile banking
Our Classification
Remarks
Data World Bank Findex dataset
Operationalization
% adult owners of cellphones in nation who use cell phones to:
a  receive money
b: send money
c: pay bills

Observed Relation with Happiness

Happiness Measure Statistics Elaboration / Remarks C-BW-c-sq-l-11-c OLRC = +.22 p < .01 AVERAGE mobile banking by INDIVIDUAL happiness in South-Sahara African nations

OLRC controled for:
- Individual charecetics:
  - Access to information and communication technology
  - Age, Age squared squared/100
  - Female
  - Married
  - Married and female
  - Education: highschool or higher
  - Household income
  - Employed full time
  - Urban area
  - Child in household
  - Household size
  - Learned or did something interesting yesterday
- Regional and Year Dummies