Content Comparison

Indicate the total number of users involved (5-8 participants per journey).

The participants, ranging in age from 25 to 40, include both male and female individuals. The group consists of a combination of new partners unfamiliar with the processes and existing users.

Describe the criteria used for selecting participants. Were they existing users, new users, or a mix of both?Partners selected for the test were both new and existing users.

ChineduComfort

3525

SME owner (fashion retail)  Personal Banking Relationship Manager

Moderate

Uses mobile banking apps (GTBank, Access Bank) for daily transactions and a POS terminal for customer payments. Prefers platforms that offer quick, reliable transfers and clear transaction histories.  

Android phone (Tecno Camon 16Samsung) 

Chinedu heavily relies on his POS terminal for business operations and uses fintech apps to track transactions. He Comfort is a new user who was recently onboarded to work as a PRM. She is often frustrated by network downtime with POS systems and values transparency in fees. Easy-to-read transaction reports and the ability to quickly reconcile daily sales are critical for his businessand error messages during onboarding process of a marketer.

HalimaFrancis

27 28  

Market traderBusiness Relationship Manager

LowHigh

Uses mobile money apps like OPay and PalmPay for personal savings, transfers, and accepting payments from customers. Not particularly tech-savvy, but uses these services due to their ease of access and lower transaction fees compared to traditional banks.

Android phone (Infinix Hot 10)

Halima needs simple, straightforward fintech solutions with minimal steps to complete transactions. She values reliability, especially when receiving payments from customers. She finds features like SMS confirmations and immediate access to funds critical for trust in the service.Francis interacts with business owners on a daily basis and requires easy and smooth interface in order to adequately manage his downlines

TundeRabiu

40

Corporate accountant (mid-sized firm)  State Coordinator 

High

Uses digital banking platforms and business fintech solutions for managing payroll, supplier payments, and invoicing. Regularly interacts with multiple banking platforms for business transactions.  

Windows laptop, iPhone 13

Tunde requires fintech solutions that streamline business transactions and offer integration with accounting software. He values features like automated invoicing, bulk payments, and detailed reporting, but he finds it frustrating when banking platforms lack API integrations with their business software. Efficiency and robust security features are critical for business operations.Rabiu manages a network of BRMs and is particular about tracking performance

AmakaGabriel

2231

NYSC corp member (service year)  State Product Officer

High

Primarily uses personal banking apps like Kuda and ALAT for saving, budgeting, and personal transfers. Also utilises fintech apps for peer-to-peer transfers and mobile payments.

Android phone (Samsung A32)

Amaka Gabriel prefers fintech apps that offer budgeting tools and savings features. She values gamification and ease for managing his network of PRMs. He values proper reporting and the rewards systems, such as cashbacks commissions and referral bonuses, to increase engagement. Her His main frustration comes from long transaction processing times or unexpected app downtimes. Security and user-friendly onboarding are important factors for her trust in the app.

inconsistent reporting and error blockers while using the tool.