# UX / Course

Rwandan government started pushing cashless in order to transform it's country and reach certain goals. COVID-19 had an impact on how people interact with money all over the world, which contributed to Rwandas goals.

From our user resarch in Rwanda, we have established that most of the people are using cashless payments for daily transactions. Even if people prefer different payments methods Mobile Money is the most common one, might be because of the convenience, fear of spreading COVID-19, accessibility, worry about losing cash or getting stolen.

What are the behaviours people have?
- Interviews and diary studies gave us a really good insight on how people interact, store and spend money. In some cases what people said they do and what they actually do, do not go hand in hand.

- Every participant is using Mobile Money for daily transactions next to some other payment method.

Other payment method depends on individual preferences.

Above we have listed what are the benefits of Cash and Mobile Money for some people, but in this section we will talk about existing behaviours.

- All participants store their funds in more than one account
- Bank Accounts
- Mobile Money
- Cash
- Majority of participants receives salary on the Bank Account, but some not:
- Cheque
- Mobile Money
- Cash
- Daily transactions are made through Mobile Money
- In special occasions participants might use different payment methods
- Sending money abroad mpesa, wire transfer...
- For smaller transactions some of them use cash
- We found that some participants after receiving their salary, they calculated their spendings for the month and they transfer only that amount to their Mobile Money
- Money that is not ment for spending is kept on the main bank account
- Repulsion for banking applications, beacuse of the long and tedious process for creating an account
- Using USSD codes to transfer funds from Equity bank instead of an app
- Some participants find it easier to phisically go to the bank

## Biggest risk
> <big>Not being clear on who audience we are writing for is.</big>

- We should take into consideration the wider audience, not everyone has a mobile phone or is technically literate, population in Rwanda is mostly inhabited in rural areas and that does have an influence on the way people interact with money, how many accounts they have and what they use those accounts for.
- People who live in rural areas don't have an easy access to financial institutions.
- Education is a big barrier, money service provider companies invested a lot in marketing, but also they still rely on transfer from person to person in rural areas for people who don't have access to mobile phones or TVs.

## Payment Request

1. After receiving a salary needed amount for the month is being transfered to Mobile Money
2. When giving loans to other people usually gives only the amount that is willing to lose, because some people are not really reliable
3. Sending money to the country side via Mobile Money
4. Sending money to different bank accounts via USSD codes
5. Do you use any other cashless payment methods? If someone want to pay with a card, can they do that?
- No, they can’t. What they do is that they’ll withdraw their money using mobile banking. Because it’s linked with their mobile money, then can just transfer it to their mobile money and then they can pay me with it.
6. What I do is translation services for different clients in Rwanda, and elsewhere in the world. So there are different ways they pay me. Rwandan people, pay me through mobile money and bank accounts. Abroad, they sometimes use Western union and some others wire directly to my local bank account.
7. Takes informal loans from a few friends, usually takes 2-4 weeks to repay a loan, depending mostly on when receives a salary
8. Would prefer to pay the rent via wire transfe
9. In some situations paying with Mobile Money is easie
- With Mobile Money you send only what you need to send. Mobile Money is easier definitely before you finish the ride you can ask the driver for his phone number and by the time you get to your destination you can just walk away. You don’t have to be stuck and wait for change.
10. Dislikes waiting for market vendors or motor drivers to get change and doesn’t trust handing over cash if they don’t have change
11. One of the participants uses a motorbike to go to and from work, so creating some kind of a contract with a motorbike driver where he/she is getting paid at the end or beggining of the month would be interesting