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.