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persona(rwanda): edit persona #11

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175 changes: 119 additions & 56 deletions _personas/23c0.md
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layout: persona
title: Money is my favourite topic to talk about.
participant: 23c0093ce84cbb7dfbf530e714f28cbfdcd6414e9b634835f0caa009aa7cebee
description: 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.
description: 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.
currency: RWF
tags:
[
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]
---

| 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.
| PROFILE & WORK | |
| ------------------------------ | ---------------------- |
| Location | Rwanda |
| Job | Self-Employed |
| Payment Frequency | Daily, Weekly, Monthly |
| Hours Per Day | >3 |
| COVID Impact on Workinhg Hours | >4 |
| Side Hustle | None |
| Business Partners | 0 |
| Dependants | 0 |
| Technical Knowhow (1-10) | 5 |

| PREFERENCES | |
| :-------------------------- | ----------------------------------------------------- |
| Store | PERSONAL_BANK_ACCOUNT<br />CASH<br />MTN_MOBILE_MONEY |
| Primary store of Value | PERSONAL_BANK_ACCOUNT |
| Spending Wallet | MTN_MOBILE_MONEY<br />DEBIT_CARD |
| High Value Transactions | PERSONAL_BANK_ACCOUNT |
| High Value | >200000 Rwf |
| Digital Banking | BANKING_MOBILE_APP |
| Prefered Payment Method | MTN_MOBILE_MONEY |
| Fee | Worried about the frequent fees |
| Money Management Strictness | 75% |
## STORE OF VALUE & PAYMENTS

##### DID COVID19 PANDEMIC AFFECT THE WAY YOUR CLIENTS PAY YOU?
### Behaviours

- 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
- Sends money to family in the countryside via MTN Mobile Money
> 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.

##### CAN THEY PAY WITH A BANK CARD?
- Gets paid by clients:
1. Mobile Money
2. Bank Account
3. Cash

> *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.*
#### Do you use any other cashless payment methods? If someone want to pay with a card, can they do that?

##### AIRTEL TRANSACTION FEES ARE CHEAPER THAN MTN'S, WHY DO YOU CHOOSE A MORE EXPENSIVE TELECOM NETWORK WHEN THERE'S A CHEAPER ALTERNATIVE?
> 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.

> *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.
| PREFERENCES | |
|:--------------------------- | --------------------------------------------- |
| 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 |
| Prefered Payment Method | MTN Mobile Money |
| Fee | Worried about the frequent fees |
| Money Management Strictness | 8 |
| Money Mindset | [Explorers]|

### PIN SECURITY & DEVICE STORAGE
### Conveniences

- 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.
- MTN - Mobile Money pros:
- Most people use MTN - Mobile Money
- Easy access
- Quick Transactions
- Has a proof that money was actually sent
- Has agents for cashing out everywhere
- Reliability

> 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.

- Airtel pros:
- Good service for not charging for transactions
- Good advertisment
- Fast Internet

> 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
<small> 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.</small>

<small>Examples</small>
:::spoiler
[Participant 1](https://hackmd.io/04RB3mjmTZGrsUa2_ohCng)
[Participant 3](https://hackmd.io/B2ctPKllRj6wmUaTwNc9rw)
[Participant 11](https://hackmd.io/repBXgLySJqCVG0aLY0e_w)
:::

### Frustrations

- Would like to be able to purchase things on instalments, but is not able to access due to unstable earnings.
- High interest rates when it comes to borrowing money from friends.
- Not knowing if you will be in a situation to pay someone back.
> 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 personaly, maybe because they have their main jobs, but it's different when it comes to sharing a profit.
- Companies and individuals that used services are not working due to COVID-19, so there is not a lot of work.

### Money Management

- Uses a spreadsheet to keep track of expenses.

## Diary Study

### Starting Balances
- MTN - MoMo : 21,865.00 RWF
- Cash : 27,000.00 RWF

<iframe class="airtable-embed" src="https://airtable.com/embed/shrJqeM9o68uqTENa?backgroundColor=purple&viewControls=on" frameborder="0" onmousewheel="" width="100%" height="533" style="background: transparent; border: 1px solid #ccc;"></iframe>


## Privacy, Security & Backups

| TECH SPECS | |
| :-------------------------- | ------------ |
| Phone Model | Infinix |
| Phone Model | Techno Spark |
| Phone OS | Android |
| SD Card | YES |
| Previously Lost Phone | UNKNOWN |
| Desktop/Laptop | YES |
| 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 |
| Out of Space Warnings | Unknown |

### Behaviours

- Has an Android phone. Photos and phone numbers are backed up on Google account.
- Recently downloaded apps:
- Fighting game
- Facebook
- Nokanda - Nokanda asked for a phone number, but they needed it to connect Mobile Money to the app.
- Contacts and media backup and storage are very important.
- Feels comfortable to give out phone number to an app that was just downloaded.
> 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.
- Rarely uses a computer to backup information from phone.
- Would never let a random stranger take photo on the street.

### Conviencnes

- Is very conscious about pin security.
- Contact, photos, and videos are always backed up on Google Drive.

### Frustrations

- Sharing a phone number with an app because there is not always certainity that your account is going to be safe.
- Scared that if random stranger takes a picture it might end up on social media.

##### 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.*
[Explorers]: https://mindsets.fjordnet.com/the-four-money-mindsets/explorers