Living Standards Measurement Study 2015-2016 Wave 3 – Nigeria: Mobile Phone Banking

The Living Standards Survey-Nigeria: Mobile Phone Banking measure uses 9 items from the third wave of the Nigerian General Household Survey (NGHS-3), which is a nationally representative, multi-dimensional survey conducted across Nigeria in two visits: post-planting and post-harvest seasons. This measure captures aspects around mobile phone and internet access and use. Navigational aspects (i.e. skip-out patterns and next question sequences) have not been included on this page but can be viewed on the original questionnaire located here.


Geographies Tested: Nigeria

Populations Included: Female, Male

Age Range: Adolescents, Adults


1. Do you have access to a mobile phone?

Response Options:
Yes - 1
No - 2

2. What is your main source of access to a mobile phone?

Response Options:
Own - 1
Family Member - 2
FriendNeighbor - 3
Umbrella Centre - 4
Workplace - 5
Business Centre - 6
Other (Specify) - 7

3. How many mobile phones do you own?

Response Options:
______ number

4. Do you perform any banking activity (e.g. paying bills, transferring money, checking bank accounts, etc.) using a mobile phone?

Response Options:
Yes - 1
No - 2

5. What banking activities do you use mobile phone for?

  • Paying utility bills
  • Transferring money to another accountindividual
  • Checking bank accounts
  • Buying phone credit

Response Options:
Yes - 1
No - 2

6. How often do you use mobile phone for banking activity?

Response Options:
Daily - 1
Once a week - 2
Biweekly - 3
Once a month - 4
Other (Specify) - 5

7. Do you have access to the internet?

Response Options:
Yes - 1
No - 2

8. What is your main source of access to the internet?

Response Options:
Subscription - 1
Family Member Friend Neighbor - 2
Umbrella Centre - 3
Workplace - 4
Business Centre- 5
Other - 6

9. What do you use the internet for? List up to 3 of the most common uses.

Response Options:
To sendreceive email - 1
For educationlearning activities - 2
To post information or instant message - 3
To readdownload newspapers, magazines, or books - 4
To get information about government orgs - 5
To download movies, images, or music - 6
To accessmonitor banking services - 7

Scoring Procedures

Not Applicable

Original Citation

National Bureau of Statistics (NBS) - Federal Government of Nigeria. (2019). Nigeria - General Household Survey, Panel 2015-2016, Wave 3.

Psychometric Score

Ease of Use Score

Scoring breakdown

Formative Research

Qualitative Research

Existing Literature/Theoretical Framework

Field Expert Input

Cognitive Interviews / Pilot Testing








Criterion (gold-standard)



Ease of Use


Scoring Clarity


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