---
tags: TTD
---

# Persona d8831

hash: d8831d9cc7400adb191f511c2cc11ef71c087ef2f20dca0afc323479c4e9fe7d

Works full time in the Ministry of education. Receives salary monthly, at the end of the month. Experienced changes due to COVID-19, started working from home, online. Doesn't have a secondary source of income. Stores money in two different places, bank and at home. Doesn't send or receive money from abroad. Not very tech-savvy. Uses Google photos for backup.

| Profile & Work | |
| ----------------------------- | --------------------- |
| Location | Trinidad |
| Job | Ministry of Education |
| Payment Frequency | Monthly |
| Hours Per Day | 7 |
| COVID Impact on Working Hours | Yes, work from home |
| Side Hustle | None |
| Bussines Partners | 0 |
| Dependants | 0 |
| Technical Knowhow | 5 |

## Store of Value & Payments

### Behaviors

- Preferres to store money at the bank
- Doesn't like storing money in the house, because it affects saving
- Doesn't do money transfers, when there is a need to take money from someone, money would be usually taken in person from where it's needed
- When doing any side business, preferred payment method would be cash
- Makes one or two transactions per day, doesn't know how much transaction would cost upfront
- Thinks that the easiest way to pay someone is cash
- COVID-19 didn't affect spendings
- For bigger transactions prefers to use a card
- Borrows money to friends and family

| Preferences | |
| ---------------- | ----------------------------- |
| Store | Personal Bank Accounts, Cash |
| Primary Store of Value | Personal Bank Account |
| Spending Wallet | Cash, Debit Card |
| High Value Transactions | Personal Bank Account |
| High Value | >1000TTD |
| Digital Banking | None |
| Prefered Payment Method | Cash |
| Fee | - |
| Money Management Strictness | Stores money in the bank |
| Money Mindset | ??? |

### Conveniences

BED.MONEY Notes

### Frustrations

- Tendency to misuse money when it's store at home and not in the bank

### Money Management

- Recently got Mobile Banking that is being used for tracking expenses
- Finds it very beneficial to have an app where account transactions can be overviewed
- App is being checked once a week

## Privacy, Security & Backups

| TECH SPECS | |
| ---------------------- | ------------ |
| Phone Model | Samsung A71 |
| Phone OS | Android |
| SD Card | Yes |
| Provider | Digicel |
| Previously Lost Phone | No |
| Desktop/Laptop | Yes |
| Email Address | >1 |
| Cloud Provider | Google Photos|
| Cloud Storage Capacity | - |
| Storage Cost | - |
| Out of Space Warnings | No |

### Behaviors

- When signing up for an account, prefers to use an email
- Doesn' know how big is the phone storage
- Has an SD Card, not familiar with storage capacity either
> I am not a phone person.
- No previously lost phones
- Had lost photos, videos and contacts twice
> DO YOU HAVE ANY BACKUP ON YOUR PHONE?
> - I do, at least I think I do.
- Uses Google photos for backup
- Never loged in to the account from someone elses device
- Stopped giving other people passwords, beacuse of confidentiality
- Would provide the phone number to the repair people
> ARE YOU COMFORTABLE WITH THOSE PEOPLE SEEING YOUR PHOTOS, VIDEOS AND MESSAGES?
> - Well, I don't really have a choice, so yes I would give them the PIN, it makes sense.
- Lost access for an account before

### Conveniences

### Frustrations

- Doesn't like providing a phone number to an app for security reasons