<!-- Start of picture text --> Access technologies External to firm GBFs Internal to firm GBFs<br>Upstream downstream transactions a Management Workers<br>use use use mobileto- useinternet- usemobile- use mobileto- use mobile- use internet use .internet use mobile. 7 . use use mobile<br>No. of use have 7 . . - to - use mobile use internet- | use internet. use . 7inventory money to<br>firms. 2/2.5G; smart computer website7 communicate- . to find7 to pay. communicate to advertise understand fore to receive banking; for online- to recruit accounting control/POS pay<br>mobile phone with suppliers suppliers suppliers w customers wsms commerce payments banking workers software<br>customers software employees<br>Overall<br>informal 2377 0.711 0.037 0.022 0.006 0.351 0.013 0.107 0.352 0.079 0.032 0.009 0.14 0.048 0.006 0.001 0.007 0.004 0.019<br>formal 892 0.769 0.139 0.151 0.075 0.612 0.071 0.258 0.638 0.191 0.139 0.043 0.287 0.151 0.068 0.022 0.091 0.088 0.08<br>Total 3269 0.727 0.065 0.058 0.025 0.422 0.029 0.148 0.43 0.109 0.061 0.018 0.18 0.076 0.023 0.007 0.03 0.027 0.035<br>Top decile by productivity<br>informal 140 0.807 0.15 0.107 0.036 0.579 0.036 0.164 0.514 0.143 0.107 0.043 0.243 0.093 0.029 0 0.052 0.031 0.036<br>formal 142 0.725 0.225 0.211 0.113 0.718 0.106 0.31 0.676 0.239 0.197 0.049 0.366 0.261 0.092 0.021 0.212 0.182 0.099<br>Total 282 0.766 0.188 0.16 0.074 0.649 0.071 0.238 0.596 0.191 0.152 0.046 0.305 0.177 0.06 0.011 0.133 0.107 0.067<br>top decile by sales<br>informal 144 0.833 0.118 0.083 0.021 0.611 0.028 0.174 0.604 0.167 0.076 0 0.229 0.083 0.014 0 0.048 0.024 0.028<br>formal 157 0.758 0.223 0.255 0.14 0.745 0.121 0.306 0.732 0.217 0.223 0.07 0.395 0.274 0.14 0.064 0.233 0.216 0.134<br>Total 301 0.794 0.173 0.173 0.083 0.681 0.076 0.243 0.671 0.193 0.153 0.037 0.316 0.183 0.08 0.033 0.155 0.135 0.083<br><!-- End of picture text -->

||||Accesste|chnologies||||||Exte<br>|rnaltofirm GB<br>|Fs|||||Int<br>|ernal tofirm <br>|GBFs<br>|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|||||||||Up|streamdownstr|eamtransacti|ons|||a|||Mana|gement|Workers|
||No. of<br>.<br>firms|use<br>2/2.5G<br>;<br>mobile|use<br>smart<br>phone|use<br>computer|have<br>7<br>website|-<br>use mobileto<br>7<br>communicate<br>-<br>.<br>with suppliers|-<br>useinternet<br>.<br>tofind<br>7<br>suppliers|-<br>usemobile<br>to pay<br>.<br>suppliers|-<br>use mobileto<br>.<br>communicate<br>wcustomers|-<br>use mobile<br>-<br>toadvertise<br>wsms|use internet<br>to<br>understand<br>customers|.<br>use internet<br>fore<br>commerce|.<br>use mobile<br>-<br>to receive<br>payments|7<br>use mobile<br>;<br>banking|.<br>useinternet| <br>-<br>foronline<br>-<br>banking|useinternet<br>.<br>to recruit<br>workers|use<br>.<br>accounting<br>software|use<br>7<br>inventory<br>control/POS<br>software|use mobile<br>moneyto<br><br>pay<br>employees|
|Overall||||||||||||||||||||
|informal|2377|0.711|0.037|0.022|0.006|0.351|0.013|0.107|0.352|0.079|0.032|0.009|0.14|0.048|0.006|0.001|0.007|0.004|0.019|
|formal|892|0.769|0.139|0.151|0.075|0.612|0.071|0.258|0.638|0.191|0.139|0.043|0.287|0.151|0.068|0.022|0.091|0.088|0.08|
|Total|3269|0.727|0.065|0.058|0.025|0.422|0.029|0.148|0.43|0.109|0.061|0.018|0.18|0.076|0.023|0.007|0.03|0.027|0.035|
|Top decile|by productiv|ity||||||||||||||||||
|informal<br>|140<br>|0.807<br>|0.15<br>|0.107<br>|0.036<br>|0.579<br>|0.036<br>|0.164<br>|0.514<br>|0.143<br>|0.107<br>|0.043<br>|0.243<br>|0.093<br>|0.029<br>|0<br>|0.052<br>|0.031<br>|0.036<br>|
|formal|142|0.725|0.225|0.211|0.113|0.718|0.106|0.31|0.676|0.239|0.197|0.049|0.366|0.261|0.092|0.021|0.212|0.182|0.099|
|Total|282|0.766|0.188|0.16|0.074|0.649|0.071|0.238|0.596|0.191|0.152|0.046|0.305|0.177|0.06|0.011|0.133|0.107|0.067|
|topdecile|bysales|||||||||||||||||||
|informal|144|0.833|0.118|0.083|0.021|0.611|0.028|0.174|0.604|0.167|0.076|0|0.229|0.083|0.014|0|0.048|0.024|0.028|
|formal|157|0.758|0.223|0.255|0.14|0.745|0.121|0.306|0.732|0.217|0.223|0.07|0.395|0.274|0.14|0.064|0.233|0.216|0.134|
|Total|301|0.794|0.173|0.173|0.083|0.681|0.076|0.243|0.671|0.193|0.153|0.037|0.316|0.183|0.08|0.033|0.155|0.135|0.083|