---
tags: TTD
---

# Persona d4b25

hash: d4b250a2968bc5efb267963b35d81db82f8f3ca2fa13992d9fe8f8f2550f979e

Employed full time. COVID-19 did affect work and working hours. Has two banking institutions, one for receiving a salary and daily spendings and the other one for savings. Credit Union is used for automatic saving. Using Google Drive, Google photos, USBs and laptop for backup.

> In Trinidad you can't get paid the last working day of the month, so it's the day before the last working day of the month, that's how public servants will get paid.

| Profile & Work | |
| ----------------------------- | ------------------ |
| Location | Trinidad |
| Job | Full Time Salary |
| Payment Frequency | Monthly |
| Hours Per Day | 8 |
| COVID Impact on Working Hours | 0 |
| Side Hustle | None |
| Bussines Partners | 0 |
| Dependants | 0 |
| Technical Knowhow | 5 |

## Store of Value & Payments

### Behavior

- Receives salary on the main personal bank account
- Main bank account is used for daily spendings
- Linx card is the second favorite payment method
- Savings are being transfered to a different banking institution
- When receiving a salary 1000 is being automatically withdrawn to Credit Union and the rest of the salary is being used through out the month, anything that was not spent from the salary goes to savings with a different bank

> CAN YOU TALK HOW YOU TRANSFER MONEY THROUGH YOUR ACCOUNTS?
> - From my employer I get 1000 TTD to my Credit Union. The remainder goes to my sepnding account, I would use the card from that bank for my daily spendings, whether it's gas or going to the store, so I either pay cash or swipe the card.
> - If I have anything extra at the end of the month by the time I get my next salary, I manually withdraw the money. I go the the ATM and after that I go to the bank where I have my savings account and deposit myself. If I can't use the ATM, I go to the bank withdraw there and than go to bank where I have savings account. There is no online transactions happening between this.

How money is being received from an employer?

graph LR
1(Employer) --> 2(Auto Saving) --> 3(Credit Union)
1 --> 1.1(Rest of the salary) --> 1.2(Spending Account)

Salary remainder being transfered to savings account?

graph LR
1(Spending Account) --> 2(Salary remainder) --> 3(Savings Account)

- Has Online Banking only for spendings account and it's only used to keep track of expenses
- Doesn't like having large amounts of cash
- When it comes to cash, withdraws only the amount that will last for a week or two
- Preferred store of value is savings account, that money is being saved for something big
- Recently had to do a high value transaction of 6000TTD that had to be done with cash because that is the company policy

Limitations:
- ATM max withdrawal - 1000TTD
- Spending account card - 3000TTD for any transaction

Because of the limits large amounts of money had to be manully withdrawn from the account

| Preferences | |
| ---------------- | ----------------------------- |
| Store | Personal Bank Accounts, Cash, Credit Unions |
| Primary Store of Value | Personal Bank Account |
| Spending Wallet | Cash, Debit Card |
| High Value Transactions | Cash, 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 | [Achievers] |

### Conveniences

- Ease of getting a loan with a Credit Union
> To be honest, the reason why I joined the Credit Union is because I was told it's the easiest financial institution to get a loan and I know I'll be needing a very large loan to purchase the vehicle that I would like to.
> So that is why I joined this financial institution with the intention of building up money for over a period of time.

### Frustrations

- Doesn't like having a lot of cash in hand
- Tendency to misuse cash if there is a lot of it
- When it comes to swiping the card, doesn't like the risk of being hacked or swiping the same amount twice

> WHY CREDIT UNION IS NOT YOUR FAVORITE PLACE TO STORE MONEY?
> - Well because you are basically giving them the opportunity to use that money however they want.
> - I am not comfortable with the fact that they are using my money and in the event that the economy crashes or for whatever reason, they are not able to readily give me back the amount of money that I have saved with them.
> - That's why I limit how much money I put into the Credit Union.

- Doesn't lend or borrow money, because both bring problems

### Money Management

- 1.000TTD from salary goes automatically to Credit Union
> Because with my occupation and the distance from home to work, it's really hard to save money with the salary that I'm currently getting. So that was one way that I thought it would be beneficial to me to ensure that they save at least $1,000 every month, because I can't easily access it.
- Everything remined from salary at the end of the month is being transfered to another bank account, savings account
- Using Online Banking to track expenses on the spending account

> IF THERE IS SOMETHING REALLY EXPENSIVE THAT YOU WANT TO BUY, HOW DO YOU GO ABOUT THAT?
> - I try not to interfere with my savings account, so if I can't afford it, I just don't buy it.

## Privacy, Security & Backups

| TECH SPECS | |
| ---------------------- | ------------ |
| Phone Model | Samsung S5 |
| Phone OS | Android |
| SD Card | Yes |
| Provider | Digicel |
| Previously Lost Phone | No |
| Desktop/Laptop | Yes |
| Email Address | >1 |
| Cloud Provider | None |
| Cloud Storage Capacity | - |
| Storage Cost | - |
| Out of Space Warnings | Currently experiencing it |

### Behavior

- Last downloaded app was a photo editor
- Had a money management application, but never got to use it
- Checks email address weekly
- Prefers signing up for an account with an email
- Doesn't have a correct name on social media accounts
- Phone has storage of 16GB, SD Card has 64GB
- Has lost content from the SD Card before, while browsing on internet maybe it was a virus
- Backing up photos, videos, documents on laptop, USB, Google photos
- Never logged in to Google drive or email through someone elses device
- Wouldn't be comfortable giving the PIN to the person fixing the phone, unles phone is on factory rest

### Conveniences

- When phone is out of storage everything is being transfered to an SD Card
- Backing up everything on multiple devices

### Frustrations

- Risk of exposing personal information when it comes to signing up with a phone number, security is the main reason why not do it
- Fear of losing content from an SD Card once again, so everything is backed up
- Doesn't like anybody having access to the phone where all personal information is being stored
> I just don't want anybody accessing my personal information, private photos, videos of people that I know, have in my life, I don't want anyone who I'm not comfortable with knowing that information or being able to access it.

[Achievers]: https://mindsets.fjordnet.com/the-four-money-mindsets/achievers