A persona is a tool that helps designers build and test digital products that meet the needs of real people. This persona is a fictional character that represents the goals and behaviours of potential users.
“I hope to live a good life. When I have my own family, I would like my children to have a bright future. They should live in a good house. These days it’s also common to have a 2-wheeler for the family. I look forward to these kind of expenses that will improve the quality of our lives.”Journey so far
Tejas works as a machine operator in a jewellery manufacturing unit in Mumbai. He is single and lives with his mother and sister. He dreams to lead a happy and fulfilling life with his family. He wants a bright and safe future for his kids. He aspires to start a small imitation jewellery business within the next 2 years to better his life and fulfill his dreams.
Financial Behaviour
Tejas prefers either Paytm or cash for making payments. He keeps a mental account of his expenses as they are very few. He plans to take a loan for his sister’s marriage in the future.
Other than an FD, he has kept some money aside for emergencies. Though he wants to learn and invest better, he finds mutual funds complex to understand.
Data Sharing & Privacy
Tejas has set clear boundaries between personal and professional data. He believes that his information on social media is not safe because it is accessible to the public.
He refrains from turning on his ‘last seen’ on Whatsapp as he doesn’t want his colleagues and boss to track his online activities beyond office hours.
Tech Literacy
Tejas spends most of his time using apps like WhatsApp and Facebook. He is fond of using Youtube for watching videos. He also likes watching web series but feels that it is time-consuming.
He finds it easier to use Google assistant on his phone to search for things instead of typing it in English.
Decision Influence
His decisions to adopt a new financial product are influenced by friends and family. He tends to develop absolute faith in financial institutions once he starts using their products.
Stability of service, safety, and comfort triumphs any other considerations for him. Low-interest rates and ease of access are other two major motivations for Tejas to opt for any financial product.
Future of Data Sharing:
‘Future of Data Sharing’ aims at designing a playbook for consented sharing to enable financial services in India. The objective of this research is to develop a design toolkit with the upcoming public infrastructure Account Aggregators as the main theme in focus. The toolkit will host resources and assets around designing better user experiences for data sharing and data portability.
Future of Data Sharing is sponsored by Facebook and executed in collaboration with D91 Labs, DICE, Parallel Labs, and TTC Labs
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About D91 Labs
This research was executed and documented by D91 labs. D91 labs is an open-source initiative by setu.co to help Bharat build great fintech products. We organize and publish user research, insights, and frameworks for fintech in India. Please follow us on medium for more exciting stories and insights on Bharat.
Psst! We are looking for collaborators and contributors to D91 labs. If you are interested, please drop your details here, and we will reach out to you.
