End user who relies on agent
- Barakat Ajadi
Analytics
User Persona: Johnson Idahosa
Basic Details
Name: Johnson Idahosa
Gender: Male
Religion: Christain
Age: 53
Occupation: Civil Servant
Monthly Income: 200 - 300k NGN
Education: School Cert (SSCE)
Device: Android (Techno)
Family Size: Married man with 1 wife and 4 kids
Location: Ikorodu, Lagos State
Financial & Tech Insights
Financial Literacy: Medium (7/10)
Tech Savvy: Low (4/10)
Usage: Poor (2/10)
Other apps
GTB
Financial Goals, Motivations and Aspiration
He appreciates the POS for its accessibility but dislikes the onboarding process and learning curve of most financial products available today.
Retirement plan
Education goals for his children (aspiring for a doctor and a lawyer)
Tuition support for his two school-aged children
Strong family values
Aspires for financial freedom
Barriers preventing Him from reaching goals
Limited funds amidst rising inflation
Not tech-savvy
Moniepoint Experience
His routine includes frequent interactions with a Moniepoint POS agent for withdrawals, deposits to support his children in school, and bill payments.
Services Used: POS
Usage: 2- 3 times a week
Daily Routine:
Wakes up at 6 a.m.
Fellowships with his family
Heads to the office
Collects funds from the Moniepoint agent for fuel and lunch
Purchases airtime to stay in touch with his boss and family
Watches the 10 p.m. news on Channels TV
Frustrations:
Experiences network issues and frequent POS service downtimes
Unable to purchase data directly from POS agents, requiring him to buy airtime and convert it to data
Limited availability of services
Emotional Spectrum
Happy: Successfully withdraws money
Worried: occasionally experiences delays in receiving value for cable TV subscription payments
Angry/Frustrated: Encounters downtime or network issues
Relieved: Money successfully reaches the beneficiary's bank
Their Context
Living Situation: Married, lives with his wife and three of his children in the suburbs; one child has moved out and occasionally sends him money.
Social Barriers: Limited education, economic constraints
Interests & Lifestyle
Hobbies: Mentorship, driving, fellowship, watching the news
Decision Drivers: Family influence, financial considerations
Trust and decision making
Values & Beliefs
Trust, Accountability, Religion, Transparency
Trust in Moniepoint
Reliable
Fast
Readily available
Key Points From User Persona
Financial Priorities: Supporting children’s education, achieving financial freedom, and securing a comfortable retirement
Barriers: Limited funds, inflation, and limited education
Key Area for Improvement: Expanding available services on the POS