---
tags: TTD
---

# Persona 7e3fd

hash:
7e3fdc4c8b9f0cf1e5ca5b94d67ef42e4f3ba2cb5c04bcd9a1ca4e16f207a761

Employed full-time. Doesn't have a secondary source of income. Getting paid once a month into the bank account. 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. No backups except SD Card.

| 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

### Behavior

- 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
- While trying to get a loan at the Credit Union got it at the same day, but at the bank was unable to
- 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
> When someone borrows money from me, I would prefer that they send it using online platform or going to the bank and transfer it to my account instead of having anything to do with cash.
- Saving regularly
- Doesn't have a tendency to carry a lot of cash in the wallet or to 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
- Paying bills online, but is unable to transfer between accounts because doesn't have Online Banking setup for Credit Union
> HOW DO YOU TRANSFER MONEY BETWEEN ACCOUNTS?
> - Normally I would take money from one institution and go to another and deposit it there. I have Online Banking with the Bank, but I don't have Online Banking with Credit Union, so I'm unable to transfer 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 |
| Money Mindset | [Balancers] |

- PREFERENCES:
- BANK:
- Ability to make transactions online from home
- Cashless
- Less risk than keeping money in cash
- CREDIT UNION:
- Higher interest rates
- Dividents every year
- Ease of getting a loan
- CASH:
- None, nada, niente, ничего, nichts... Except it's more convenient for other 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.

### Conveniences

- Wants to be able to make transactions online between accounts so doesn't have to leave home
> IF YOU DO SOMETHING NEXT TO YOUR MAIN JOB, HOW DO YOU EXPECT PEOPLE TO PAY YOU?
> - I would say cash first, because that's 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.

### Frustrations

- CONS:
- BANK:
- Difficultie of getting a loan
- Long lines at the bank
- CREDIT UNION:
- None, nada, niente, ничего, nichts...
- CASH:
- Risk of money being stolen
- Tendency to misuse and overspend
- Likelihood of affecting savings

- Doesn't like to go into the institution to make a transfer
- Doesn't like to intearct with cash

### Money Management

- Uses Online Banking to keep track of spendings
- Has a diary where writes down where and how much money was spent
- Manages to save at least 9 out of 12 months a year
- Saving are kept separetly in the Credit Union
> HAS COVID-19 IMPACTED THE WAY YOU SAVE OR SPEND MONEY?
> - Yes, because of the COVID-19 there are different things that you need to purchase. For example, I don't need to drive to work so I could save money I would spend on gas. I could save more money and still be able to buy what I need. Sad to say, but COVID has impacted me positively in the money direction.

## Privacy, Security & Backups

| 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 |

### Behavior

- Last downloaded app on the phone was a game
- Doesn't have financial apps on the phone
- Prefers signing up with an email
- Checks email at least twice a week
- Doesn't know how big is the phone storage
- Before, phone content used to be stored in SD Cards and flash drives
- Not using anything else for backup except SD Cards
- Has an intention of using Google drive in the near future
- Cautious about PIN security, wouldn't provide PIN to anyone outside of family
- Would provide phone PIN to the person fixing the phone

### Convenience

Convenience of using an email for money management and app signing up, because it's used more than a phone number

### Frustrations

- Risk of someone accessing financial apps if the phone gets stolen
> I had financial apps on my phone, but I no longer keep them on my phone because I keep thinking, what if the phone gets stolen, so I stopped keeping the app on my phone. I can only access it through the website on my laptop.

> WHEN SIGING UP FOR AN ACCOUNT DO YOU PREFER EMAIL OR PHONE NUMBER?
> - I lost my phone once and everything went through messages, so I had to cancel that number. Now everything goes through my email.
- Losing access to contacts when lost phone

[Balancers]: https://mindsets.fjordnet.com/the-four-money-mindsets/balancers