---
tags: persona
---
# PERSONA TTD009

Employed full-time. Doesn't have a secondary source of income. Getting paid once a month. Work and spending/saving have been affected due to COVID-19. Stores money in two different places. Most preferred place to store money is a Credit Union, least preferred place to store money is cash at home. Doesn't have any financial apps on the phone. Doesn't know how much storage has on the phone.

| PROFILE AND WORK | |
| ----------------------------- | --------------------------- |
| Location | Trinidad & Tobago |
| Job | Employed full time, teacher |
| Payment Frequency | Monthly |
| Hours Per Day | 8 |
| COVID-19 Impact on Work Hours | Yes, |
| Side Hustle | None |
| Business Partners | None |
| Dependants | 0 |
| Technical Knowhow | 7 |

## STORE OF VALUE & PAYMENTS

### Goals

- Wants to be able to make transactions online between accounts so doesn't have to leave home.

### Motivations

- Using Bank account to receive salary and Credit Union to save money. Takes out money from the Bank account and puts it in the Credit Union because of the higher interest rate.
- Prefers Credit Union because it is easier to get a loan, interest rates are higher and every year you get dividends. Got the loan the same day at Credit Union, at the Bank was unable to get one.
- Doesn't have a tendency to carry a lot of cash in the wallet or keep it in the house, believes there might be a tendency to spend cash faster and so prefers to use a card only if necessary.
- Thinks that money is less at risk at the Bank or Credit Union, compared to home, where it's easier for it to be stolen.
- Saving regularly.

### Frustrations

- Doesn't like to go into the institution to make a transfer. Paying bills online. Doesn't have Online Banking setup for Credit Union, so is unable to transfer online between accounts.

| PREFERENCES | |
| --------------------------- | ----------------------------------- |
| Store | Personal Bank Account, Credit Union |
| Primary Store of Value | Personal Bank Account |
| Spending Wallet | Debit Card |
| High Value Transactions | Personal Bank Account |
| High Value | >300TTD |
| Digital Banking | None |
| Prefered Payment Method | Card |
| Fee | / |
| Money Management Strictness | Stores savings in a Credit Union |

## GENERAL IMPACT OF COVID-19?

> Because of COVID-19, I won't have to go to work, I will be working from home, using an online platform. Also, because of COVID-19 there are different things that you need to purchase. Other than that, there are things that you wouldn't need to put, just for example, I don't need to drive to work so I could save that money. It's a long drive, compared to if I have to get something, some necessity right around the area there. So compared to that, I could save money and still be able to buy what I need. COVID has impacted, sad to say positively in the money direction. I am able to save more and don't need to pay that amount in travel expenses. Sad to say COVID has been good to me.

### HOW DO YOU TRANSFER MONEY BETWEEN ACCOUNTS AND DID YOU ENCOUNTER ANY PROBLEMS DOING IT?

> I would like to, so I'm looking on that. If I am able to do that I won't have to go to take out the money then go into the institution to deposit it there. So, I have online banking with the Bank, but I didn't set up my online banking with Credit Union. That is why I am unable to transfer online between accounts, but I would prefer that way. I also usually pay bills online. I didn't have any problems using online banking. I normally get an email with all the information and everything that has to do with transaction. So if anything went wrong, I have that email I could use to correct any mistakes.

>I had only one problem, when I was starting to learn how to use it. I used to think that you could just send to anybody once I have the account number, but there was a procedure where you have to add that person to your account before you could send money to them. But that was a while ago. I don't know if that has changed.

### IF YOU DO SOMETHING NEXT TO YOUR MAIN JOB, HOW DO YOU EXPECT PEOPLE TO PAY YOU?

> I say cash first, because that easy for people or I would give them my account number to deposit into my account. I would prefer that they deposit it to my account, but I wouldn't mind cash because I know it is easier for most people.
>
### WHAT IS THE EASIEST WAY FOR YOU TO PAY SOMEONE?

> I would like to say online transaction. So, I would prefer online platform to transfer money to the account that way, I don't even have to leave my home. Also I can always send them an email with transaction infromation so they can see that I sent over the money.

| TECH SPECS | |
| --------------------------- | ------------------- |
| | |
| Phone Model | Xiaomi Pocophone F1 |
| Phone OS | Android |
| SD Card | NO |
| Telecom Provider | BMOBILE |
| Previously Lost Phone | YES |
| Desktop/Laptop | YES |
| Email Address | >1 |
| Cloud provider | NONE |
| Cloud Storage Capacity (GB) | / |
| Storage Cost | / |
| Out of Storage Warnings | NO |

<iframe class="airtable-embed" src="https://airtable.com/embed/shrNmxhnsNScgGvIF?prefill_Persona=W4514&backgroundColor=purple" frameborder="0" onmousewheel="" width="100%" height="733" style="background: transparent; border: 1px solid #ccc;"></iframe>

graph LR
1(Action) --> 2(Another Action) --> 3(And Another)

---

### Transfering Money to Friend

graph LR
1(Action) --> 2(Another Action) --> 3(And Another)
2 --> 1.1(Or an alternative action) --> 1.2(And Another)