---
# System prepended metadata

title: Persona 6fe63
tags: [TTD]

---

---
tags: TTD
---

# Persona 6fe63

hash: 6fe63e401a4b2cd511db43bb19d6e43f3ca503cce8ae01cb2d8e0edb9b8cee6c

Works full time as a private school teacher. Receives salary once a month. Working from home due to COVID-19. Receives salary on the bank account. Stores money in two different institutions. Doesn't like having cash in hand. Uses Google Photos for backup.

| Profile & Work                |                    |
| ----------------------------- | ------------------ |
| Location                      | Trinidad           |
| Job                           | Private School Teacher   |
| Payment Frequency             | Monthly            |
| Hours Per Day                 | 8                  |
| COVID Impact on Working Hours | Yes, also working from home |
| Side Hustle                   | None               |
| Bussines Partners             | 0                  |
| Dependants                    | 0                  |
| Technical Knowhow             | 5                  |

### Behavior

- Stores money in the Bank and Credit Union 
> One is where my salary comes in and one to save separately, what I don't want to spend. 
- Least preferred place to store money is at home in cash
- There is a tendency to misuse cash if it's stored in the house
- Being underpaid makes it difficult to save money
> Would you say it's linked to having cash and always spending it? 
> - No, it's linked to not being paid enough. 
- Transfers money by withdrawing it and placing it into another account phisically
> I usually withdraw and place into another account and the only thing I do online is like pay bills and I don't know if it's a mind thing. I'm just used to take it and put it back in manually. 
- Never tried transfering money online to another account
- When paying for a service, prefers to do it on the site, because eliminates long lines in the bank
- Uses Online Banking
- Never sent or received money from abroad
- For a side hustle prefers to be paid in cash
- Makes at least 2 transactions per day 
- COVID-19 has affected they way money is being spent, spendings are increased
> - In my household not everyone is a permament worker, so we have to take all of these things into consideration. 
- Would borrow money to friends & family, only if it's affordable, person would payback when they receive their salary

| Preferences      |                        |
| ---------------- | ----------------------------- |
| Store     | Personal Bank Accounts, Cash, Credit Unions    |
| Primary Store of Value      | Personal Bank Account       |
| Spending Wallet  | Cash, Debit Card, Credit Card     |
| High Value Transactions     | Personal Bank Account   |
| High Value            | >1000TTD           |
| Digital Banking             | None |
| Prefered Payment Method     | Cash  |
| Fee    | - |
| Money Management Strictness | Stores savings in another banking institution and Credit Union as well |
| Money Mindset | ??? |

### Conveniences

- Likes the convenience of paying bills from your home
> I am skeptical about using my card online, but I like the convenience of being able to do it from home.
- Easy access of cash while getting paid outside of the main job
- Manually keeps track of borrowed money

### Frustrations

- All the fraud that has been going on, brought fear for using cards online
> I am not comfortable, but it eliminates bank lines, so that is why I do it.

### Money Management 

- Online Banking is being used to keep track of savings and spendings
> Online Banking will let me know how much money I have and how much money I spent
- Keeps track of borrowed money manually or just memorizes it

| TECH SPECS             |              |
| ---------------------- | ------------ |
| Phone Model            | iPhone       |
| Phone OS               | Apple        |
| SD Card                | No           |
| Provider               | BMOBILE      |
| Previously Lost Phone  | Yes          |
| Desktop/Laptop         | Yes          |
| Email Address          | >1           |
| Cloud Provider         | Google Photos|
| Cloud Storage Capacity | -            |
| Storage Cost           | -            |
| Out of Space Warnings  | No           |

### Behavior

- Has a couple of financial apps on the phone 
- When singing up for a new account, prefers to sign up with an email address than the phone number
- Would provide a phone number if there is no other option, but would be very sceptical about it and only if it's a credible app
- Check email address daily
- Phone has a memory of 64GB
- Has a previously lost phone and lost access to photos, videos and contacts, it couldn't be retrieved
- Uses iCloud for backup
- Cautious about PIN security
- Would give the PIN to the person fixing the phone
> If it comes down to having to give them the password for the purpose of fixing the phone I would, but I would be very skeptical because they would have access to personal information.

### Conveniences

- Convenience of signing up for an account with an email address, rather than the mobile phone, business is ususally done through email
- If the phone runs out of space, apps would be deleted in order of importance

### Frustrations

- Logging into iCloud account from someone elses device is a no because of security reasons
- Lost access to an account before 
>  I was able to regain it and I would say that the process was tedious, because when it comes to technology, I don't really like it that much. It's just a new way, so that's why I use it. 