---
tags: TTD
---

# Persona 0b017

hash:
0b01774686272e2aeef780d436bc556af2d689b1387c35d06b63d823d98a9cba

Works as a construction worker full time, works 7 days a week. Experienced changes due to COVID-19, now works only 2 days a week. Prefers to keep money in the bank, but gets paid in cash and keeps that money at home.

| Profile & Work | |
| ----------------------------- | ------------------ |
| Location | Trinidad |
| Job | Construction Worker|
| Payment Frequency | Weekly |
| Hours Per Day | 8 |
| COVID Impact on Working Hours | 0 |
| Side Hustle | None |
| Bussines Partners | 0 |
| Dependants | 2 |
| Technical Knowhow | 1 |

## Store of Value & Payments

### Behavior

- Least preferred place to store money is at home
- Never sent/received money from/to abroad
- Didn't experience sending money to a different banking institution or to a different account
- While doing something outside of the main job, would prefer to get paid in cash or cheque
- Usually makes one payment per week
- Prefers paying with cash, rather than paying with card
- Due to COVID-19 ended up saving more money
- Doesn't mind taking a loan to purchase something doesn't have enough money for

| Preferences | |
| ---------------- | ----------------------------- |
| Store | Personal Bank Accounts, Cash |
| Primary Store of Value | Cash |
| Spending Wallet | Cash |
| High Value Transactions | Cash |
| High Value | >1000TTD |
| Digital Banking | None |
| Prefered Payment Method | Cash |
| Fee | - |
| Money Management Strictness | Stores savings in another banking institution |
| Money Mindset | [?] |

### Conveniences

- Finds it more convenient to keep money at the bank instead of cash, but gets paid in cash so prefers to keep it at home
- When it comes to paying or borrowing to someone, prefers to do it in cash, instead of going to the bank

### Frustrations

- Not enough time to go to the bank and deposit the salary

### Money Management

- Ever since receiving salary in cash, savings are kept at home
- Finds it very easy to keep track of money and manage it
> - Whenever I receive my salary, I put a portion of it on the side and I always know how much I have there.

## Privacy, Security & Backups

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

### Behavior

- Last downloaded app on the phone is WhatsApp and it's the only app
- Doesn't have any financial apps on the phone
- Doesn't know how to download financial apps
> - If anybody would show me how to do it, I wouldn't mind.
- When signing up for an app would prefer to do it with an email, instead of phone number
- Wouldn't give phone number to any app
- Has one email and checks it only when gets a message, maybe like once a month
- Doesn't have an SD Card and doesn't know how much storage has on the phone
- Low memory on the phone is the reason why has only WhatsApp on the phone
- Plently times deleted something from the phone in order to make more space for other things

### Conveniences

### Frustrations

- Cautious about the phone number because of all the fraud
- Previously lost phone and was never able to retreive information on it