diff --git a/.gitignore b/.gitignore index b512c09..8b63c18 100644 --- a/.gitignore +++ b/.gitignore @@ -1 +1,2 @@ -node_modules \ No newline at end of file +node_modules +personas/5 \ No newline at end of file diff --git a/index.html b/index.html index fe13b90..3ef5401 100644 --- a/index.html +++ b/index.html @@ -1,390 +1,366 @@ - - - - - - - - - - - - - - - - - + + + + + + + + + + + - 🛏.💵 - Bitcoin Every Day - - - - - + + + + + + - + 🛏.💵 - Bitcoin Every Day + + + + + - + - - + - - - - - - + + - - - - - - - - -
-
- -

- How do people in - Rwanda
- store and move money? -

-

- This is an initiative to - collect stories of how people interact with money in different - parts of the world - so as designers and developers we may do better - to understand the difficulties people face with its - access and use, and how to make experiences that fit - Bitcoin as a global money system in their daily - lives. -

-
-
+ + + + + + -
-
-
-

Rwanda

+ + + + + + + -
-

Environment

-

- There is currently a push for Rwandans to go cashless — especially - given the COVID19 pandemic, and the risks of people making - exchanges in close proximity. -

-
+ +
+
+ +

+ How do people in + Rwanda
+ store and move money? +

+

+ This is an initiative to + collect stories of how people interact with money in different + parts of the world + so as designers and developers we may do better + to understand the difficulties people face with its + access and use, and how to make experiences that fit + Bitcoin as a global money system in their daily + lives. +

+
+
-

Personas

-
-
-
-
-

- PERSONA D9C7
- Time is money, but stay frugal. -

- -
-
-

- PERSONA dbea
- Cash is king, but times are changing. -

- -
-
-

- PERSONA 0x00
- More Comming Soon... -

- -
-
+
+
+
+

Rwanda

+ +
+

Environment

+

+ There is currently a push for Rwandans to go cashless — especially + given the COVID19 pandemic, and the risks of people making + exchanges in close proximity. +

-
-

Money Services

-
Local/Regional
-
+
+
+
+

+ PERSONA D9C7
+ Time is money, but stay frugal. +

+ +
+
+

+ PERSONA DBEA
+ Cash is king, but times are changing. +

+ +
+
+

+ PERSONA 23C0
+ Money is my favorite topic to talk about. +

+ +
+
+

+ PERSONA 0x00
+ More Comming Soon... +

+ +
+
+
+ +
+

Money Services

+
Local/Regional
+ +
+ -
-
-
- -
-
-

- MTN MoMo -

-

MobileMoney

-
+
+
+
+ +
+
+

+ MTN MoMo +

+

MobileMoney

-
+
+
-
-
-
- -
-
-

- Nokanda -

-

Mobile App

-
+
+
+
+ +
+
+

+ Nokanda +

+

Mobile App

-
+
+
-
Global Companies
- -
-
-
- -
-
-

- Moneygram -

-

Rimittance

-
+ - -
+
+ + +
-
-
-

Eastern Caribbean

+
+
+

Eastern Caribbean

-
-

Environment

-

- The Eastern Caribbean Central Bank has launched a pilot program - for a digital version of the Eastern Caribbean Digital Dollar - (XCD) in 5 island nations; Antigua and Barbuda, Grenada, Saint - Lucia and St. Kitts. -

- -
-

Money Services

-
Local/Regional
-
-
-
- -
-
-

- mMoney -

-

Mobile App

-
+
+

Money Services

+
Local/Regional
+
+
+
+ +
+
+

+ mMoney +

+

Mobile App

-
+
+ - - -
Global Companies
- -
-
+
+ +
+ -
- -
- - - + } + loopCountries(); + + + + \ No newline at end of file diff --git a/personas/2/index.html b/personas/2/index.html index 293397d..477195e 100644 --- a/personas/2/index.html +++ b/personas/2/index.html @@ -1,432 +1,420 @@ - - - - - - - - - - - - - - - - - + + + + + + + + + + + - 🛏.💵 - Money in strange places - - - - - + + + + + + - + 🛏.💵 - Money in strange places + + + + + - + - - + - - - - - - + + - - - - - - - - -
-
- -

- Persona - dbeab7328dee58a6825d5237d9734402a0f7d208a0e59168839868d1667566e1 -

-

- Cash is king, but times are changing. - Works full time but also deals in real estate as a side hustle. Uses - mobile money often but dislikes the fact that digital payments tend to - lure you to overspend. Prefers cash because feeling the paper in your - hand helps you feel your hard work’s reward. Uses Google Drive to - backup contact and photos, as well as important files. Does not expect - GoodDrive to run out of space any time soon. -

-

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

+ + + + + + - - + + + + + + + + + +
+
+ +

+ Persona + dbeab7328dee58a6825d5237d9734402a0f7d208a0e59168839868d1667566e1 +

+

+ Cash is king, but times are changing. + Works full time but also deals in real estate as a side hustle. Uses + mobile money often but dislikes the fact that digital payments tend to + lure you to overspend. Prefers cash because feeling the paper in your + hand helps you feel your hard work’s reward. Uses Google Drive to + backup contacts and photos, as well as important files. Does not expect + Good Drive to run out of space any time soon. +

+

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

+ +
+ + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
+
+ +
+
+
+

Store of Value & Payments

+
    +
  • + Keeps the majority of his salary in a Bank Accounts, but does day + to day transactions using mobile money +
    • +
  • Has a side business that brings in additional revenues
    • +
  • Saves regularly
    • +
  • + Prefers using cash, and says having cash on hand does not increase + spending behavior +
    • +
  • + Uses mobile money often but dislikes the fact that digital + payments tend to lure people to overspend, and believes that cash is + more manageable tha digital form of money +
    • +
  • + Hates being in debt but can take a loan from a bank in case he + needs to make an investment. buy a house. +
    • +
  • + Sends money to his family in the countryside via MTN Mobile Money +
    • +
  • + Uses a spreadsheet to keep records of expenses +
    • +
  • + Transfers a specific budgeted amount to his Mobile Money wallet + upon receiving his paycheck. +
    • +
+ + + - + - - + + - - + + - - + + - - + + - - + + - - + + - - + + - - + + - - + + - -
-
-
-
-

Store of Value & Payments

-
    -
  • - Keeps the majority of his salary in a Bank Accounts, but does day - to day transactions using mobile money. -
    • -
  • Has a side business that brings in additional revenues
    • -
  • Saves regularly
    • -
  • - Prefers using cash, and says having cash on hand does not increase - spending behavior -
    • -
  • - Uses mobile money often but dislikes the fact that digital - payments tend to lure people to overspend. Believes that cash is - more manageable tha digital form of money. -
    • -
  • - Hates being in debt but can take a loan from a bank in case he - needs to make an investment. buy a house. -
    • -
  • - Sends money to his family in the countryside via MTN Mobile Money -
    • -
  • - Uses a spreadsheet to keep records of expenses. -
    • -
  • - Transfers a specific budgeted amount to his Mobile Money wallet - upon receiving his paycheck. -
    • -
+
In your opinion, Which one is better, cash or cashless?
+
+

+ I'll still prefer cash, but again, you know, there's no doubt that + we are moving forward into the future and things are getting + easier. I personally prefer cash. It's really hard to really + manage money when you're like paying online or cashless. When you + have cash on you, you can see it. And it's like, Oh, damn, I only + have 500 or 1000 remaining, but you know, being online and all + that. It’s really tough to manage how much you spend. +

+

+ Sometimes you find out that, you have pay way more than you + should. you have really over spent because I'm used to that thing + of having cash in my hand. I'm a young person, I so out sometimes; + so let's say if I take 30,000 and say I'm gonna buy drinks. If + Have 30,000 in my hand, I can really easily controll how much I'm + spending, you can feel the wallet gettign smaller. But if you're + paying online, you realize you have to pay 50,000 or more and you + be like: Oh My God, I've really overspent. +

+
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
In your opinion, Which one is better, cash or cashless?
-
-

- I'll still prefer cash, but again, you know, there's no doubt that - we are moving forward into the future and things are getting - easier. I personally prefer cash. It's really hard to really - manage money when you're like paying online or cashless. When you - have cash on you, you can see it. And it's like, Oh, damn, I only - have 500 or 1000 remaining, but you know, being online and all - that. It’s really tough to manage how much you spend. -

-

- Sometimes you find out that, you have pay way more than you - should. you have really over spent because I'm used to that thing - of having cash in my hand. I'm a young person, I so out sometimes; - so let's say if I take 30,000 and say I'm gonna buy drinks. If - Have 30,000 in my hand, I can really easily controll how much I'm - spending, you can feel the wallet gettign smaller. But if you're - paying online, you realize you have to pay 50,000 or more and you - be like: Oh My God, I've really overspent. -

-
- -
- How do you send/receive money abroad? -
-
-

- Mostly when it's work-related, I'm gonna use our work Bank - Account. So, tha's official but if it's a personal thing I use - that thing from Kenya... - mPesa. -

-
-
-
- -
-
-

PIN Security & Device Storage

-
    -
  • Is very conscious about pin security
    • -
  • Important files are always backed up on Google Drive
    • -
  • Backup and Storage is on top of mind
    • -
  • - Phone's memory is large and is very less likely to run out of - space -
    • -
  • - Rarely uses a computer to backup information from phone. Done it - once. -
    • -
+
+ How do you send/receive money abroad? +
+
+

+ Mostly when it's work-related, I'm gonna use our work Bank + Account. So, tha's official but if it's a personal thing I use + that thing from Kenya... + mPesa. +

+
+
+
- - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - +
+
+

PIN Security & Device Storage

+
    +
  • Is very conscious about pin security
    • +
  • Important files are always backed up on Google Drive
    • +
  • Backup and Storage is on top of mind
    • +
  • + Phone's memory is large and is very less likely to run out of + space +
    • +
  • + Rarely uses a computer to backup information from phone. Done it + once. +
    • +
-
- How do you feel when an application, asks you for a phone number? - Are you hesitant to give them your phone number or do you just give - it to them without thinking twice? -
+ + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + -
-

- Because AudioMack is like really a big app all over the globe. So - it all comes back to the reputation. You know, if it's a new app - or some app that nobody knows. I don't really give them my number, - because you know, someone might be hacking my Mobile Money. - HOwever, if it's really like a incredible app like AudioMack, or - instagram, you know Instagram asks for your number; then I'll just - give it. I won't be hesitating. -

-

- There was a time she really really needed money and I have to give - her the account credentials. -

-
-
- Have you ever given your possword to someone, this might be your - Google account or any other account in the apps you use? -
+
+ How do you feel when an application, asks you for a phone number? + Are you hesitant to give them your phone number or do you just give + it to them without thinking twice? +
-
-

- Only one person, my little sister. -

-

- There was a time she really really needed money and I have to give - her the account credentials. -

-
-
- So let's say your phone needs repairs, for example, and you go to a - repair shop and they tell you to give them your phone's password; - Would you give it to them? -
-
-

- The only place I've ever given it... There's this place called - CarlCare which is really credible. It's an international - organization actually. That's where I'll only be comfortable to - give out my password. Because for them they are professionals. -

-

- And of course you sign; there's a place where you sign and in case - they misuse the password, you can sue them and take them to court. -

-

Someone can even have 2 Gmails or use Dropbox.

-
-
-
+
+

+ Because AudioMack is like really a big app all over the globe. So + it all comes back to the reputation. You know, if it's a new app + or some app that nobody knows. I don't really give them my number, + because you know, someone might be hacking my Mobile Money. + HOwever, if it's really like a incredible app like AudioMack, or + instagram, you know Instagram asks for your number; then I'll just + give it. I won't be hesitating. +

+

+ There was a time she really really needed money and I have to give + her the account credentials. +

+
+
+ Have you ever given your possword to someone, this might be your + Google account or any other account in the apps you use? +
- +
+

+ Only one person, my little sister. +

+

+ There was a time she really needed money and I had to give her the + account credentials. +

+
+
+ So let's say your phone needs repairs, for example, and you go to a + repair shop and they tell you to give them your phone's password; + Would you give it to them? +
+
+

+ The only place I've ever given it... There's this place called + CarlCare which is really credible. It's an international + organization actually. That's where I'll only be comfortable to + give out my password. Because for them they are professionals. +

+

+ And of course you sign; there's a place where you sign and in case + they misuse the password, you can sue them and take them to court. +

+
+
-
-
-

Copyright © 2020 — Peak Shift Ltd.

-
+ +
+ +
+
+

Copyright © 2020 — Peak Shift Ltd.

+
+
+ + + - - - + \ No newline at end of file diff --git a/personas/3/index.html b/personas/3/index.html new file mode 100644 index 0000000..362b8da --- /dev/null +++ b/personas/3/index.html @@ -0,0 +1,377 @@ + + + + + + + + + + + + + + + + + + + + + + + 🛏.💵 - Money in strange places + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
+
+ +

+ Persona + 23c0093ce84cbb7dfbf530e714f28cbfdcd6414e9b634835f0caa009aa7cebee +

+

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

+

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

+ + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
+
+ +
+
+
+

Store of Value & Payments

+
    +
  • + Keeps the majority of his earnings on his MTN mobile money account and does day + to day transactions with the same account +
    • +
  • Saving to start a side business that would bring him additional revenues
    • +
  • Saves regularly
    • +
  • + Used to prefer cash before COVID-19 but now uses it less than 1% on average +
    • +
  • + Chooses MTN mobile money because it's easy to access and has agents everywhere +
    • +
  • + Sends money to his family in the countryside via MTN Mobile Money +
    • +
  • + Uses a spreadsheet to keep records of expenses +
    • +
  • + Keeps most of his money on his mobile wallet +
    • +
  • Is very interested in buying stuff on hire purchase.
    • +
+ + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
Did COVID19 Pandemic affect the way your clients pay you?
+
+

+ Before COVID people use to pay me cash. But now because of government encourage cashless, + people, like 99% of my clients nowadays are using mobile money. Few people can pay me cash. +

+

+ Like you can even find me cashless. + For example, you can surprise me and ask me one Rwf 1000, and I won't have it because people pay + using + mobile money. +

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

+ What htey 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. +

+
+
+ Why do you choose to use an expensive Telecom network for your mobile money transcations whne + there's a cheaper alternative, in this case MTN versus Airtel? +
+
+

+ Airtel is the best network compared to MTN. The problem is that we're already used to using MTN + services. Our firends, our families, our bosses, our 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. So, if you look + at the cost-effectiveness, Airtel is the best. Even the internet is very fast. +

+

On the other hand, Airtel has a lot of work to do even if they are doing some advertisement. I + think that 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 +
    • +
  • Is conscious about security and would never let a random stranger take his photo on the street. +
    • +
+ + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
+ Are you comfortable giving your phone number to an app that you just downloaded? +
+ +
+

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

+
+
+
+ + +
+ +
+
+

Copyright © 2020 — Peak Shift Ltd.

+
+
+ + + + + \ No newline at end of file diff --git a/personas/4/index.html b/personas/4/index.html new file mode 100644 index 0000000..7e21a0b --- /dev/null +++ b/personas/4/index.html @@ -0,0 +1,365 @@ + + + + + + + + + + + + + + + + + + + + + + + 🛏.💵 - Money in strange places + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
+
+ +

+ Persona + d0cd4a6a1c9a79dbc349469a7c4a75f9f3707fb5446a263a25f47a3a41ed539d +

+

+ Talking about money is very interesting. + Works full time and is trying to start a business. + Prefers using Mobile Money, even if there are costs tied to it. Prefers email when signing up for + accounts in apps. Transfers most of the money to her Mobile Money Wallet + upon receiving her salary for daily spendings. +

+

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

+ + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
+
+ +
+
+
+

Store of Value & Payments

+
    +
  • + Keeps the majority of her salary on her Mobile Money Wallet +
    • +
  • Does most of her transactions with the Mobile Money Wallet
    • +
  • Keeps track all her cash in and outflows in a spreadsheet
    • +
  • Saves regularly
    • +
  • + Prefers using Mobile Money, even if there are various costs tied to it +
    • +
  • Doesn't borrow from a bank, but can borrow directly from the Mobile Money Wallet
    • +
  • + Supports 3 people financially +
    • +
  • COVID-19 didn't affect the amount of work hours in the water sanitation industry
    • +
  • + Uses a Eazy banking app to access the bank from her phone +
    • +
  • + Transfers most of the money to her Mobile Money Wallet + upon receiving her salary for daily spendings. +
    • +
+ + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
If you do most of transactions and transfers on Mobile Money, Do you think MTN Mobile Money is + reliable? +
+
+

+ Yes MTN Mobile Money is very realiable. Though, because their agents are everywhere, you may + have a tendency of withdrawing and spending much money. If it's for saving, I'd prefer using a + bank account instead of Mobile Money. Because with Mobile Money, I have that desire of + withdrawing and spending, but the some sort of fear of withdrawing the money when it's on my + bank account. +

+
+ +
+ How do you keep track of all your expenses throughout the month? +
+
+

+ I use Excel. There's an Excel spreadsheet called "Personal Data sheet". I mostly use it monthly + to track my expenses and incomes, because + it shows a place for expenses and revenues. +

+
+
+
+ +
+
+

PIN Security & Device Storage

+
    +
  • Is very conscious about using her phone numbeer to sign up in apps
    • +
  • Important files are always backed up on Google Account
    • +
  • Backup and Storage is on top of her mind
    • +
  • + Prefers email when signing up for accounts in apps. +
    • + +
+ + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
+ How do you feel when an application you just downloaded, asks you for a phone number? +
+ +
+

+ I prefer using email. You know usually when you're going to sign up. They usually tell you to + sign up with a phone number or email, so I always prefer to use email. +

+
+
+ You said that you have lost your phone once or twice, have you lost any data on those phones? +
+ +
+

+ Yeah, two years back, I lost phones and back then I didn't know that you could save contacts on + Gmail with your Google account. So, I lost all the contacts I had. +

+

+ However, now I save my contacts on my Google account. So if I were to lose my phone, I would + easily find them again on Google. +

+
+
+
+ + +
+ +
+
+

Copyright © 2020 — Peak Shift Ltd.

+
+
+ + + + + \ No newline at end of file