HackMD
  • Prime
    Prime  Full-text search on all paid plans
    Search anywhere and reach everything in a Workspace with Prime plan.
    Got it
    • Prime  Full-text search on all paid plans
      Prime  Full-text search on all paid plans
      Search anywhere and reach everything in a Workspace with Prime plan.
      Got it
      • Options
      • Versions and GitHub Sync
      • Transfer ownership
      • Delete this note
      • Template
      • Insert from template
      • Export
      • Dropbox
      • Google Drive
      • Gist
      • Import
      • Dropbox
      • Google Drive
      • Gist
      • Clipboard
      • Download
      • Markdown
      • HTML
      • Raw HTML
      • Sharing Link copied
      • /edit
      • View mode
        • Edit mode
        • View mode
        • Book mode
        • Slide mode
        Edit mode View mode Book mode Slide mode
      • Note Permission
      • Read
        • Owners
        • Signed-in users
        • Everyone
        Owners Signed-in users Everyone
      • Write
        • Owners
        • Signed-in users
        • Everyone
        Owners Signed-in users Everyone
      • More (Comment, Invitee)
      • Publishing
        Everyone on the web can find and read all notes of this public team.
        After the note is published, everyone on the web can find and read this note.
        See all published notes on profile page.
      • Commenting Enable
        Disabled Forbidden Owners Signed-in users Everyone
      • Permission
        • Forbidden
        • Owners
        • Signed-in users
        • Everyone
      • Invitee
      • No invitee
    Menu Sharing Help
    Menu
    Options
    Versions and GitHub Sync Transfer ownership Delete this note
    Export
    Dropbox Google Drive Gist
    Import
    Dropbox Google Drive Gist Clipboard
    Download
    Markdown HTML Raw HTML
    Back
    Sharing
    Sharing Link copied
    /edit
    View mode
    • Edit mode
    • View mode
    • Book mode
    • Slide mode
    Edit mode View mode Book mode Slide mode
    Note Permission
    Read
    Owners
    • Owners
    • Signed-in users
    • Everyone
    Owners Signed-in users Everyone
    Write
    Owners
    • Owners
    • Signed-in users
    • Everyone
    Owners Signed-in users Everyone
    More (Comment, Invitee)
    Publishing
    Everyone on the web can find and read all notes of this public team.
    After the note is published, everyone on the web can find and read this note.
    See all published notes on profile page.
    More (Comment, Invitee)
    Commenting Enable
    Disabled Forbidden Owners Signed-in users Everyone
    Permission
    Owners
    • Forbidden
    • Owners
    • Signed-in users
    • Everyone
    Invitee
    No invitee
       owned this note    owned this note      
    Published Linked with GitHub
    Like BookmarkBookmarked
    Subscribed
    • Any changes
      Be notified of any changes
    • Mention me
      Be notified of mention me
    • Unsubscribe
    Subscribe
    --- tags: rwanda, persona, money-profiles, mtn, bank account --- # PERSONA 56e00 hash: 56e00d8eef432e448963fb33d31cbc989835384ec290868e0a0f7573b254b1af Works full-time but also has a side hustle. Didn't experience any changes due to COVID-19 when it comes to working hours. Getting paid from the company on a bank account. Doesn't like waiting for change when paying with cash at the market or when taking a motor bike - especially after some bad experience with not getting the correct change. Considers MobileMoney as safer but not necessarily quicker. Most preferred way to get paid is cash. Would prefer to create a new Gmail account to get an additional 15GB of space, instead of getting a paid Google Drive subscription. | Profile & Work | | | ----------------------------- | ---------------- | | Location | Rwanda | | Job | Full Time Salary | | Payment Frequency | Monthly | | Hours Per Day | 8 | | COVID19 impact on Work Hours | 0 | | Side Hustle | Yes | | Business Partners | / | | Dependants | 1 | | Technical Knowhow (1-10) | 7 | ## Store of Value & Payments ### Behaviours - Keeps the majority of the salary in a Bank Accounts and uses MTN Mobile Money for day-to-day transactions - Spent 3 months without using cash - In some cases may opt for cheapness over convenience - Has a side hustle to bring in additional revenues > IN YOUR SIDE BUSINESS, HOW DO YOUR CUSTOMERS PAY YOU? > ```mermaid graph LR 1(Rwandans) --> 2(Mobile Money) 1 --> 3(Bank Account) 4(Foreigners) --> 5(Western Union) 4 --> 6(Direct Wire Transfer) ``` > What I do is translation services for different clients in Rwanda, and elsewhere in the world. So there are different ways they pay me. Rwandan people, pay me through mobile money and bank accounts. Abroad, they sometimes use Western union and some others wire directly to my local bank account. - Saves regularly - Pays for siblings school - Takes informal loans from a few friends, usually takes 2-4 weeks to repay a loan, depending mostly on when receives a salary - Uses MTN Mobile Money often but dislikes the new charges the provider have placed on transactions - Only has a debit card that uses for online purchases, instead of a credit card - Would prefer to pay the rent via wire transfer - Has Internet Banking, but doesn't know how to use it, but uses Mobile Banking > How do you transfer money to someone through the Bank Account? > - I go to the bank phisically and do the transfer or withdraw money at the ATM and go to an agent to send the money, especially if it's a different bank. - Because of COVID-19 most used payment method is Mobile Money, Bank Account and at the end Cash - Never experienced to send money to someone who uses a different provider, everyone uses MTN BED.MONEY NOTES <small> This participant has confirmed something we found interesting in other user personas and that is that they have never experienced to send money to someone who is using a different provider, like Airtel or Tigo.</small> <small>Examples</small> :::spoiler [Participant 3](https://hackmd.io/B2ctPKllRj6wmUaTwNc9rw) [Participant 8](https://hackmd.io/EvD2QLufSAqa--nhqhOjeQ) [Participant 11](https://hackmd.io/repBXgLySJqCVG0aLY0e_w) ::: | Preferences | | | --------------------------- | -------------------- | | Store | Personal Bank Account, Company Bank Account, Cash, MTN Mobile Money | | Primary Store of Value | Personal Bank Account| | Spending Wallet | MTN Mobile Money, Debit Card | | High Value Transactions | Personal Bank Account | | High Value | >50.000 | | Digital Banking | USSD Mobile Banking | | Prefered Payment Method | Cash | | Fees | Cares about fees, but likes the speed and convenience of mobile money for local payments | | Money Management Strictness | 8 | | Money Mindset | [Experiencers] | ### Conveniences - Prefers using cash, and says having cash on hand does not increase spending behaviour > It's all of the same to me. If I have money on my mobile money, credit card or bank cards. I use them as much as I use cash. If I want to buy something online. I can use a card or if I want to order something from Vuba Vuba or in other places they can pay by cash or mobile money or bank. So the same. > WHY IS CASH THE BEST PAYMENT METHOD? > - Hey, we are talking about money here. If there is a way to send and receive money without being charged any fees, I would always choose that. > - Paying for small transactions with cash > It's more convenient to pay with cash for small transactions, sometimes you have to go out and maybe you want to buy something from a street salesman like fruits and vegetables. In those cases you have to use cash because they don't understand how Mobile Money works. - In some situations paying with Mobile Money is easier > With Mobile Money you send only what you need to send. Mobile Money is easier definitely before you finish the ride you can ask the driver for his phone number and by the time you get to your destination you can just walk away. You don't have to be stuck and wait for change. ### Frustrations - Dislikes waiting for market vendors or motor drivers to get change and doesn't trust handing over cash if they don't have change - Won't borrow from banks because getting in debt to them is scary - Fear of someone running away with your money while waiting for change - Fees when it comes to transfering funds via Mobile Money, Mobile banking has the same procedure and causes the same frustrations ### Money Management - Using notes on the phone to keep track of expenses and who owes money ## Privacy, Security & Backups | Tech Specs | | | --------------------------- | ------------ | | Phone Model | Samsung A80 | | Phone OS | Android | | SD Card | Unknown | | Previously Lost Phone | Yes | | Desktop/Laptop | Yes | | Email Addresses | <1 | | Cloud Provider | Google Drive | | Cloud Storage Capacity (GB) | 15 | | Storage Cost | Free Tier | | Out of Space Warnings | Never Seen | ### Behaviours - Is conscious about pin security - Backup and Storage is not on top of mind - Would put the pin for a person fixing the phone - Contacts and photos were backed up on Google Drive > WHAT DO YOU DO WHEN AN APPLICATION YOU HAVE JUST DOWNLOADED ASKS YOU FOR YOUR PHONE NUMBER? > - There are these apps that you know, for sure that they need it, you always understand the logic behind it. Otherwise I don't provide it, but if it's a social media app like Twitter or Instagram, I know for a fact they will need it to generate my contacts and make me communicate with people. That's why they need my contact information. If it is a dictionary, come on. Why do you need my names and things to give me a dictionary? ### Conveniences - When storage runs out of space, data would be transfered to other accounts or Dropbox - Would be willing to create a new Gmail account in order to avoid having to pay for more storage for Google Drive - Sometimes uses a computer to backup information from Google Drive - For writing reviews on Google Maps received 500 GB > WHAT WOULD YOU DO IF YOUR GOOGLE CLOUD RUNS OUT OF SPACE? > - That's hasn't reached there yet. I can figure out something when that happens. I would go back and delete some things or transfer some of my things to some of the other accounts. You know, there are so many other ways you can, can have them online. Someone can even have 2 Gmail accounts or use Dropbox. ### Frustrations - Doesn't understand why certain apps that are not social media ask for a phone number [Experiencers]: https://mindsets.fjordnet.com/the-four-money-mindsets/experiencers

    Import from clipboard

    Advanced permission required

    Your current role can only read. Ask the system administrator to acquire write and comment permission.

    This team is disabled

    Sorry, this team is disabled. You can't edit this note.

    This note is locked

    Sorry, only owner can edit this note.

    Reach the limit

    Sorry, you've reached the max length this note can be.
    Please reduce the content or divide it to more notes, thank you!

    Import from Gist

    Import from Snippet

    or

    Export to Snippet

    Are you sure?

    Do you really want to delete this note?
    All users will lost their connection.

    Create a note from template

    Create a note from template

    Oops...
    This template is not available.


    Upgrade

    All
    • All
    • Team
    No template found.

    Create custom template


    Upgrade

    Delete template

    Do you really want to delete this template?

    This page need refresh

    You have an incompatible client version.
    Refresh to update.
    New version available!
    See releases notes here
    Refresh to enjoy new features.
    Your user state has changed.
    Refresh to load new user state.

    Sign in

    Forgot password

    or

    By clicking below, you agree to our terms of service.

    Sign in via Facebook Sign in via Twitter Sign in via GitHub Sign in via Dropbox Sign in via Google

    New to HackMD? Sign up

    Help

    • English
    • 中文
    • Français
    • Deutsch
    • 日本語
    • Español
    • Català
    • Ελληνικά
    • Português
    • italiano
    • Türkçe
    • Русский
    • Nederlands
    • hrvatski jezik
    • język polski
    • Українська
    • हिन्दी
    • svenska
    • Esperanto
    • dansk

    Documents

    Tutorials

    Book Mode Tutorial

    Slide Mode Tutorial

    YAML Metadata

    Contacts

    Facebook

    Twitter

    Feedback

    Send us email

    Resources

    Releases

    Pricing

    Blog

    Policy

    Terms

    Privacy

    Cheatsheet

    Syntax Example Reference
    # Header Header 基本排版
    - Unordered List
    • Unordered List
    1. Ordered List
    1. Ordered List
    - [ ] Todo List
    • Todo List
    > Blockquote
    Blockquote
    **Bold font** Bold font
    *Italics font* Italics font
    ~~Strikethrough~~ Strikethrough
    19^th^ 19th
    H~2~O H2O
    ++Inserted text++ Inserted text
    ==Marked text== Marked text
    [link text](https:// "title") Link
    ![image alt](https:// "title") Image
    `Code` Code 在筆記中貼入程式碼
    ```javascript
    var i = 0;
    ```
    var i = 0;
    :smile: :smile: Emoji list
    {%youtube youtube_id %} Externals
    $L^aT_eX$ LaTeX
    :::info
    This is a alert area.
    :::

    This is a alert area.

    Versions

    Versions and GitHub Sync

    Sign in to link this note to GitHub Learn more
    This note is not linked with GitHub Learn more
     
    Add badge Pull Push GitHub Link Settings
    Upgrade now

    Version named by    

    More Less
    • Edit
    • Delete

    Note content is identical to the latest version.
    Compare with
      Choose a version
      No search result
      Version not found

    Feedback

    Submission failed, please try again

    Thanks for your support.

    On a scale of 0-10, how likely is it that you would recommend HackMD to your friends, family or business associates?

    Please give us some advice and help us improve HackMD.

     

    Thanks for your feedback

    Remove version name

    Do you want to remove this version name and description?

    Transfer ownership

    Transfer to
      Warning: is a public team. If you transfer note to this team, everyone on the web can find and read this note.

        Link with GitHub

        Please authorize HackMD on GitHub

        Please sign in to GitHub and install the HackMD app on your GitHub repo. Learn more

         Sign in to GitHub

        HackMD links with GitHub through a GitHub App. You can choose which repo to install our App.

        Push the note to GitHub Push to GitHub Pull a file from GitHub

          Authorize again
         

        Choose which file to push to

        Select repo
        Refresh Authorize more repos
        Select branch
        Select file
        Select branch
        Choose version(s) to push
        • Save a new version and push
        • Choose from existing versions
        Available push count

        Upgrade

        Pull from GitHub

         
        File from GitHub
        File from HackMD

        GitHub Link Settings

        File linked

        Linked by
        File path
        Last synced branch
        Available push count

        Upgrade

        Danger Zone

        Unlink
        You will no longer receive notification when GitHub file changes after unlink.

        Syncing

        Push failed

        Push successfully