I want a bank that can Attitudes Banking Behaviors

be fast and help me understand • Affordability is key

my finances better.
• Rely on friends for recommendations Engagement Style
• Time is money
TRANSACTIONAL RELATIONAL

Needs
Financial Knowledge
• Basic research on several loan providers and
chooses one that has the fastest response NOVICE EXPERT

• Simple, and integrated personal banking and

business solutions Digital Proficiency
• Online resources to better understand
financial lingo and investment options LOW HIGH

• Save for the future

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• Grow her side-hustle Influence
Arini B.
Digital Native
Pain Points PEERS PROFESSIONALS

Developer & Salad Maker • Strapped for time

26, Single | Jakarta
Appetite for Risk
• Non-intuitive app interfaces
Arini works at a local startup. On weekends,
she runs a home-based culinary business by • Long, complex steps to get things done
CONSERVATIVE AGGRESSIVE
selling salad. When’s she not working, she’s
• Receiving too much info from her banks
enjoying the outdoors. She’s mainly an
online banker and considers herself a novice
when it comes to business banking.
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