Variable

Description

Frequency

Percent

Variable

Description

Frequency

Percent

Gender

Male

149

67.1

Aspects of

Point of sale

1

0.5

Female

73

32.9

E-banking

Online banking

2

1

Automated Teller Machine (ATM)

44

19.9

Age Groups

20 - 30 Years

114

51.4

Mobile banking

4

1.6

31 - 40 Years

68

30.6

ATM & Mobile Banking

110

49.7

41 - 50 Years

16

7.2

Online Banking & Point of Sale

60

27.2

51+ Years

24

10.8

E-banking

Mobile Phone

75

33.7

Education

Secondary School

17

7.7

Tools

Tablet

4

1.6

Level

Certificate

26

11.7

Laptop or Computer

29

13

Diploma

81

36.5

Bank Machine

17

7.8

Undergraduate

76

34.2

Mobile Phone & Tablet

23

10.4

Postgraduate

22

9.9

Mobile Phone and Computer

22

9.8

All the above

18

8.3

E-banking

No

28

12.6

34

15.5

Use

Yes

194

87.4

Institution

Standard Chartered

56

25.1

Type of

Personal Use

147

66.2

of

Barclays

44

19.6

E-banking

Business

6

2.6

E-banking

Zanaco

55

24.7

Use

Both

69

31.3

FNB

21

9.6

Stanbic

17

7.8

other Banks & Mobile Money

16

7.3

Not applicable

13

5.9