|PROFILE & WORK|
|Payment Frequency||Daily, Weekly, Monthly|
|Hours Per Day||>3|
|COVID Impact on Working Hours||>4|
|Technical Knowhow (1-10)||5|
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.
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.
|Store||Personal Bank Account, Cash, MTN Mobile Money|
|Primary store of Value||MTN Mobile Money|
|Spending Wallet||MTN Mobile Money, Cash|
|High Value Transactions||MTN Mobile Money|
|High Value||> Rwf 200,000|
|Digital Banking||Banking Mobile App|
|Preferred Payment Method||MTN Mobile Money|
|Fee||Worried about the frequent fees|
|Money Management Strictness||8|
The problems is we are used to MTN services. Our families, friends, bosses, clients, they all use MTN. It’s hard to call someone and for someone to call you back when they are in another network.
So, if you look at the cost-effectiveness, and internet speed, Airtel is the best [in Rwanda].
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.
BED.MONEY NOTES This participant has confirmed something we found interesting in other user personas and that is that they have never experienced to send money to someone who is using a different provider, like Airtel or Tigo.
Nobody knows what future holds. What if you invest that money and you don’t get it back? I would invest in some business, but I am afraid of partnership, most people don’t take it very personally, maybe because they have their main jobs, but it’s different when it comes to sharing a profit.
|Phone Model||Techno Spark|
|Previously Lost Phone||Unknown|
|Cloud Provider||Google Drive|
|Cloud Storage Capacity (GB)||15|
|Storage Cost||Free Tier|
|Out of Space Warnings||Unknown|
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.
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.