General requirements Moderator for the sessions - the sessions must be in person in 1 location Mixed people aged 18-24 (Gen Z) Mix entrepreneurs (micro and medium-sized businesses from various industries), employees and students Born, raised and living in Trinidad and Tobago No credit cards (we are testing a digital prepaid card) With at least one financial product: Account and/or debit card I) For the first 2 focus groups (Date to be held the FG -: Week of August 12th) 6 PEOPLE  3 Customers of First Citizens Bank Trinidad & Tobago with debit accounts from First citizens Bank TT 3 Non-First Citizens bank customers II) For the following 2 focus groups (Date to be held the FGs: Week of September 2) 6 PEOPLE 3 Customers of First Citizens Bank Trinidad & Tobago with debit accounts from First citizens Bank TT 3 Non-First Citizens bank customers