In the last 12 months, have you used a mobile phone to make financial transactions such as sending or receiving money, paying bills, purchasing goods or services, or receiving wages? 
Pamiyezi khumi ndi iwiri yapitayi, kodi mwagwilitsapo ntchito lamya lam'manja potumiza kapena kulandilila ndalama,kulipilila ma bill, kugulira katundu kapena zinthu kapena kulandililapo malipilo?