Table 4 Factor analysis on the financial inclusion

1. I find it easy using the available financial services.

0.970

2. My financial service providers serve me with respect and dignity.

0.564

3. I find it easy to make deposits with my financial providers.

0.812

4. I have easy access to an automatic teller machine (ATM).

0.805

5. I find it easy to make payments to my service providers.

0.768

6. I find it cheap to operate a bank account.

0.764

7. I find it switching from one bank to the other.

0.755

8. I find it cheap to operate a mobile money account.

0.733

9. My financial service providers are supervised by a superior bank.

0.727

10. I find it easy to transfer money via my mobile phone.

0.708

Total

6.30

1.52

1.08

% of variance

48.43

11.70

8.28

Cumulative %

48.43

60.13

68.41