Personas

Persona 1: The Digital-Savvy Gen Z Consumer

  • Name: Alex Cruz

  • Age: 22

  • Job: Freelance Graphic Designer / Online Entrepreneur (selling on Lazada)

  • Location: Metro Manila, Philippines

  • Hobbies: Gaming, streaming, social media, online shopping

  • Wants/Needs:

    • Convenient and seamless digital banking experience  

    • Rewards and discounts on online purchases, especially on e-commerce platforms like Lazada  

    • Easy access to and management of accounts through a mobile app  

    • Gamified rewards program to make banking more engaging  

  • Concerns:

    • Security of online transactions

    • Potential for overspending

    • Fees and charges associated with cards

  • Bio: Alex is a young, digitally native individual who values convenience and efficiency. They rely heavily on their smartphone for daily activities, including banking and shopping. Alex is looking for a debit or credit card that offers rewards for their online spending and integrates seamlessly with their digital lifestyle. They are drawn to innovative features and engaging user experiences.

Persona 2: The Practical Millennial Professional

  • Name: Maria Santos

  • Age: 31

  • Job: Marketing Manager

  • Location: National Capital Region (NCR), Philippines

  • Hobbies: Dining out, traveling, attending concerts

  • Wants/Needs:

    • Credit card with good rewards program for dining and shopping  

    • Travel perks and benefits, such as airport lounge access and travel insurance  

    • Ability to manage card expenses and transactions online  

    • Installment options for big purchases  

  • Concerns:

    • Annual fees

    • Interest rates

    • Responsible credit card usage

  • Bio: Maria is a career-oriented millennial who enjoys the finer things in life. She values convenience and seeks financial products that complement her lifestyle. A credit card that offers rewards and travel benefits is important to her, but she's also mindful of managing her finances responsibly.

Persona 3: The Value-Seeking Family Shopper

  • Name: Robert Garcia

  • Age: 45

  • Job: Small Business Owner

  • Location: Mindanao, Philippines

  • Hobbies: Spending time with family, DIY projects, watching sports

  • Wants/Needs:

    • Credit card that offers cashback or rebates on everyday purchases, especially at supermarkets and gas stations  

    • Debit card for convenient cashless transactions  

    • Easy access to customer service and support

  • Concerns:

    • High interest rates and fees

    • Complexity of rewards programs

    • Security of transactions

  • Bio: Robert is a family-oriented individual who values practicality and savings. He is looking for a credit or debit card that helps him maximize his spending power and provides tangible benefits for his family's needs. He appreciates straightforward and transparent financial products.

Persona 4: The Affluent and Discerning Customer

  • Name: Isabella Reyes

  • Age: 50

  • Job: Executive

  • Location: Metro Manila, Philippines

  • Hobbies: Fine dining, luxury travel, arts and culture

  • Wants/Needs:

    • Premium credit card with exclusive rewards and benefits  

    • Personalized service and dedicated relationship manager

    • Travel perks such as airport lounge access, travel insurance, and miles  

    • High credit limit

  • Concerns:

    • Annual fees (but willing to pay for premium benefits)

    • Exclusivity and prestige of the card

    • Security and fraud protection

  • Bio: Isabella is a successful and sophisticated individual who appreciates luxury and exclusivity. She seeks a premium credit card that reflects her status and provides access to unique experiences and rewards. She values personalized service and expects a high level of customer care.

Persona 5: The Overseas Filipino Worker (OFW)

  • Name: Jose Rodriguez

  • Age: 38

  • Job: Nurse

  • Location: Saudi Arabia (but sends money to family in the Philippines)

  • Hobbies: Staying connected with family online

  • Wants/Needs:

    • Debit card for his family in the Philippines to easily receive remittances  

    • Low transaction fees for international transfers

    • Secure and reliable way to manage finances remotely

    • Online banking tools to monitor accounts and transactions  

  • Concerns:

    • High remittance fees

    • Exchange rates

    • Security of online transactions

  • Bio: Jose is an Overseas Filipino Worker who works hard to provide for his family back home. He needs a reliable and cost-effective way to send money and manage his finances across borders. He values security, convenience, and low fees.