/
End user who relies on agent

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