---
tags: rwanda, persona, mtn, airtel, tigo, bank, debit-card, money-profiles
---
# PERSONA a6b7c

hash: a6b7cd37dbd23d761f5e5d469eff6184197e7132e65d362d507e5cf0f18ec22a

Currently studying and works as an intern for 5-8 hours a day. COVID-19 didn't affect working hours. Money is being stored in two bank accounts, mobile money (MTN used most of the time, Airtel and Tigo only when it comes to sending money to someone in those Networks) and cash. Banking with Bank of Kigali and Equity Bank. Uses EazzyPay for money transfers, from one bank to another and from bank to Mobile Money.

| Profile & Work | |
| ----------------------------- | ------------------ |
| Location | Rwanda |
| Job | Student and Intern |
| Payment Frequency | Monthly |
| Hours Per Day | 5-8 |
| COVID Impact on Working Hours | No |
| Side Hustle | No |
| Bussines Partners | / |
| Dependants | / |
| Technical Knowhow | 6 |

## STORE OF VALUE & PAYMENTS

### Behaviours

- Cash is least preferred because there is a tendency to misuse it, but still spendings are planned in advance and daily payments are done with cash. When there is no cash "gets lazy" and won't be bothered with transfering money from bank account to Mobile Money and takes into consideration fees that will be charged for those transactions.
- Even when it comes to bigger transactions prefers to find the product and withdraw money after that instead of using Mobile Money in order to avoid being charged. Except when it comes to online shopping which is done with a card. Does online shopping on:

- Aliexpress
- Ebay
- Amazon
- Food delivery from local online shops

| Preferences | |
| --------------------------- | --------------------------------------------------- |
| Store | Personal Bank Accounts, Mobile Money & Cash |
| Primary Store of Value | Bank of Kigali Account |
| Spending Wallet | Cash, MTN Mobile Money & Debit Card |
| High Value Transactions | Cash |
| High Value | Unknown |
| Digital Banking | EazzyPay, USSD Digital Banking |
| Prefered Payment Method | Cash |
| Fee | Concerened about fees, so avoids using Mobile Money |
| Money Management Strictness | Not at the highest level |
| Money Mindset | [Experiencer] |

- When it comes to sending money to friends and family it is done through the bank account, mobile money or cash.
- Sends mobile money to an older relative via Tigo money.
- When taking loans from other people, payback depends on the [loose] agreement with the individual.
- Receives primary income as a cheque.

graph LR
1(Cheque) --> 2(Deposit the cheque) --> 3(Tranfers money to Bank of Kigali account) 

- Same bank transfers are done through Bank of Kigali account, because big amount of money is usually there.
- Bank of Kigali is the main account and holds the biggest amount of money, but most preferred bank is Equity because it's more flexible, has more agents and it has easy access. Another adventage of banking with Equity is no need for an app, money can be transfered to Mobile Money through EazzyPay.

##### TRANSFERING MONEY FROM EQUITY BANK TO MOBILE MONEY

graph LR
1(Equity Bank) --> 2(EazzyPay/USSD) --> 3(Mobile Money) 

- When it comes to transfering money from Equity Bank to Mobile Money everything is being done through USSD. In order to do that phone number needs to be connected to the bank account.

##### TRANSFERING MONEY FROM BANK OF KIGALI TO MOBILE MONEY

graph LR
1(BK) --> 2(BK app) --> 3(Mobile Money)
1 --> 1.1(No app) --> 1.2(BK agent withdraws the cash) --> 1.3(Mobile Money) 
1.1 --> 2.2(BK agent withdraws the cash) --> 2.3(Equity Bank) --> 2.4(EazzyPay/USSD) --> 2.5(Mobile Money)

> You need to download BK app and from that app you send it to Mobile Money, if you don't have an app you can only transfer it to another Bank Account in this case Equity Bank and from there you can put it on Mobile Money.[^bank_of_kigali_ux_1]

### Conveniences

- Cash
- No fees
- Equity Bank
- Easy access
- No need for downloading an app
- More agents available
- More flexible

### Frustrations

- Fees for making transactions over Mobile Money seems to be a problem. People using MTN might not be willing to switch to another provider because that will cause problems with communication with other people.

### Money Management

- Checking balance as a way of keeping track of all accounts
- Monitoring expenses is not an option, because of the tendency to overspend and feeling bad because of it
- Is planning your spendings in advance a money management skill if you have a tendency to misuse it?

## Diary Study

### Starting Balances
- 500 RWF on Mobile Money (airtime)
- 10.000 cash (budgeted for personal stuff next week)

### Transactions

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## Privacy, Security & Backups

| TECH SPECS | |
| ---------------------- | ----------|
| Phone Model | Infinix |
| Phone OS | Android |
| SD Card | No |
| Previously Lost Phone | No |
| Desktop/Laptop | Yes |
| Email Address | >1 |
| Cloud Provider | Google Drive|
| Cloud Storage Capacity | 15 GB |
| Storage Cost | Free |
| Out of Space Warnings | Yes |

### Behaviours

- Android fan, has an Infinix smart phone, but wants to upgrade to Samsung.
- Using fingerprint as a security measure on the phone.
- Not really cautious when it comes to secuirty.
- Contacts backed up on Gmail, photos and videos on Google drive.
- Likes downloading apps from Google Store, mainly reading apps that are not available on iPhone which is the main reason why thinks Android is better.
- Downloaded apps
- Reading apps
- Social media
- Workout apps
- Food delivery

BED.MONEY Notes
- Never lost a phone before, because it's always around. Has previously lost contacts and photos if it happens that phone has been changed or it died.
> If I have to change a phone or my phone dies and I have to recover my contacts and it's so hard, before I didn't know how to save it on my email, but now I can recover it if I change phones.

- When Out of Storage Warning comes up another email is being created.

### Conveniences

- Android phones
- It has certain apps that iPhone doesn't
- Signing up with a phone number, because apps just send an SMS, so it's done itself automatically
> I actually like signing up with my phone, because if I forget my password I will just have to put in my phone number and maybe they will fix that, I don't know... I am least paranoid and least interesting, so I am not worried about people hacking me.

### Frustrations

- Loses interest when an app requires a sign up, unless it's social media
> If it's a workout app, why do I need to sign up? I am not going to call anybody, I am not going to chat, I just want to see your programs.

> Signing up with an email is frustrating because you have to go back to the email and find the link they sent you.

[^bank_of_kigali_ux_1]: When it comes to transfering money from Bank of Kigali to Mobile Money it seems like a long and tedious process for some people.

[Experiencer]: https://mindsets.fjordnet.com/the-four-money-mindsets/experiencers "In this mindset, people define success by enjoying the present. They seek delight in how they choose to spend money and are optimistic about the future."