This is a Synthetic Data Pre-Analysis for Risk Presentation Format and Investment Risk Appetite: A Replication and Extension of Kaufmann, Weber, and Haisley (2013)

This report examines the determinants of digital payment use using the Global Findex 2025 microdata. The objective is to demonstrate a reproducible workflow in R, including data cleaning, variable construction, survey-weighted descriptive analysis, logistic regression, and predicted-probability visualisation. The analysis focuses on whether digital payment use varies systematically by education, income, labour-force participation, sex, age, and urban residence.