|Profile & Work|
|Job||Student and Intern|
|Hours Per Day||5-8|
|COVID Impact on Working Hours||No|
|Store||Personal Bank Accounts, Mobile Money & Cash|
|Primary Store of Value||Bank of Kigali Account|
|Spending Wallet||Cash, MTN Mobile Money & Debit Card|
|High Value Transactions||Cash|
|Digital Banking||EazzyPay, USSD Digital Banking|
|Preferred Payment Method||Cash|
|Fee||Concerned about fees, so avoids using Mobile Money|
|Money Management Strictness||Not at the highest level|
Cash is least preferred because there is a tendency to misuse it, but still spendings are planned in advance and daily payments are done with cash. When there is no cash “gets lazy” and won’t be bothered with transfering money from bank account to Mobile Money and takes into consideration fees that will be charged for those transactions.
Everytime I have cash on me I get tempted to spend it, but when it’s on my account I get lazy to withdraw it or, I think of the charges it will cost me.
Claims; even when it comes to bigger transactions prefers to find the product and withdraw money instead of using Mobile Money in order to avoid being charged. Except when it comes to online shopping which is done with a card.
Shops online at the following:
When it comes to transferring money from Equity Bank to Mobile Money everything is being done through USSD. In order to do that phone number needs to be connected to the bank account.
You need to download BK app and from that app you send it to Mobile Money, if you don’t have an app you can only transfer it to another Bank Account in this case Equity Bank and from there you can put it on Mobile Money.1
Fees for making transactions over Mobile Money seems to be a problem. People using MTN might not be willing to switch to another provider because that will cause problems with communication with other people.
Checking balance as a way of keeping track of all accounts.
Tends to not monitor spending, because of the tendency to overspend and feeling bad because of it
That I can never keep track of how much I’m spending. I’m an over spender, so if I keep track I will go into a depression. Ye, thats why I stay away from it.
If I want to know how much I have I just check the balance. I just check my online shopping cart and the stuff I’m expecting to get to me and I know how much I spent.
|Previously Lost Phone||No|
|Cloud Provider||Google Drive|
|Cloud Storage Capacity||15 GB|
|Out of Space Warnings||Yes|
Never lost a phone before, because it’s always around. Has previously lost contacts and photos but when that happened the phone was been changed or was damaged.
If I have to change a phone or my phone dies and I have to recover my contacts and it’s so hard, before I didn’t know how to save it on my email, but now I can recover it if I change phones.
I actually like signing up with my phone, because if I forget my password I will just have to put in my phone number and maybe they will fix that, I don’t know… I am least paranoid and least interesting, so I am not worried about people hacking me.
If it’s a workout app, why do I need to sign up? I am not going to call anybody, I am not going to chat, I just want to see your programs.
Signing up with an email is also frustrating because you have to go back to the email and find the link they sent you.
When it comes to transferring money from Bank of Kigali to Mobile Money it seems like a long and tedious process for some people. ↩
If you have more specific questions that were not covered that could help in your product development we will conduct this research on your behalf. Payments are of-course in bitcoin and we will settle with the persona in their preferred local payout method.