Persona 23c0093ce84cbb7dfbf530e714f28cbfdcd6414e9b634835f0caa009aa7cebee

Money is my favourite topic to talk about. Works as a self-employed service provider, and is planning to start a side business. Uses Mobile Money for most transactions and believes that going cashless discourages bad money behaviours. Uses Google Drive to backup contacts, photos, and videos. Does not expect to run out of space any time soon.

📍 Rwanda  🏦 Bank  💸 Mobile Money  📱 Android  💻 Desktop/Laptop  ☁️ Google Drive (free)

Profile & Work
Location RWANDA
Job SELF_EMPLOYED
Payment Frequency DAILY/WEEKLY/MONTHLY
Hours Per Day >3
COVID19 impact on Work Hours >4
Side Hustle NONE
Business Partners 0
Dependants 0
Technical Knowhow (1-10) 5

Store of Value & Payments

  • Stores the majority of revenues on MTN Mobile Money which also serves as a payment account.
  • Currently saving to start a side business to generate additional revenues.
  • Saves regularly.
  • Preferred cash before COVID-19 but now hardly receives it.
  • Chooses MTN mobile money because it's easy to access and has agents for cashing out everywhere.
  • Sends money to family in the countryside via MTN Mobile Money
  • Uses a spreadsheet to keep track of expenses.
  • Would like to be able to purchase things on instalments, but is not able to access due to unstable earnings.
Did COVID19 Pandemic affect the way your clients pay you?

Before COVID people paid in cash, now as the government encourages cashless, 99% of my clients are using Mobile Money.

Even I have gone cashless, if you ask me for Rwf 1000, I won't have it because people pay me using Mobile Money.

What if a client has money at the bank can they pay with a card?

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.

Airtel transaction fees are cheaper than MTN's, Why do you choose a more expensive Telecom network when there's a cheaper alternative?
So, if you look at the cost-effectiveness, and internet speed, Airtel is the best [in Rwanda]. The problem is that we have already gotten used to using MTN services. Our friends, families, bosses, clients all use MTN on the daily. It's hard to call someone who won't call you back because they are using another network.

The reason why we're sticking to MTN is that our people, our friends are on MTN. So, it's hard to tell someone: "Do you have Airtel? I want to send you some money." But as people buy Airtel for internet, they'll end up using it for other services too, like SMS and calling even mobile money.

PIN Security & Device Storage

  • Is very conscious about pin security.
  • Contact, photos, and videos are always backed up on Google Drive.
  • Contacts and media backup and storage are very important to him.
  • Feels comfortable to give out his phone number to an app he just downloaded.
  • Rarely uses a computer to backup information from phone.
  • Would never let a random stranger take his photo on the street.
Tech Specs
Phone Model Infinix
Phone OS Android
SD Card YES
Previously Lost Phone UNKNOWN
Desktop/Laptop YES
Email Addresses >1
Cloud Provider
  • Google Drive
  • Cloud Storage Capacity (GB) 15
    Storage Cost Free Tier
    Out of Space Warnings UNKNOWN
    Are you comfortable giving your phone number to an app that you just downloaded?

    Yes. I feel comfortable because I download it from the Google Playstore. I think they are reliable, and for security, if someone is to infiltrate my phone they are going to let me know. So I feel okay giving my number like that.