[Researcher 2][00:02] Hello, how are you?

[Participant 3][00:02] Good, how about you?

[Researcher 2][00:04] Good, good. So this interview follows your two week participation in our study on Instagram use and mobile banking apps. Thank you for completing the log book entries. Today, we'll talk through some questions, reflection and feelings about your experience, and just a quick reminder that this interview is being recorded as outlined in the consent form. If you have any concerns about that, please let us know. And of course, you're free to skip any question at any time it makes you feel comfortable. Okay, perfect. Got it? 

[Researcher 2][00:32] Okay. So to begin, could you tell me about your hobbies, main hobbies or activities you enjoy in your free time?

[Participant 3][00:40] So my main hobbies is sports. I love sports. I've done sport all my life, also looking at YouTube videos and gaming. That's what I like to do,

[Researcher 2][00:53] perfect and in what ways, if any, does your mobile app use, including Instagram and your banking app support or interfere with these hobbies.

[Participant 3][01:02] So on Instagram, I watch a lot of content related to my my hobbies. So for sports, I watch highlights, sports, highlights gaming. The same for like eSports and gaming tournaments and yeah on the banking app. I don't do that much because you cannot watch, like actual content on the banking app. So, yeah.

[Researcher 2][01:31] Okay, perfect. So we're going to start with some introductory questions before starting the two week log book. How would you describe your typical interaction with Instagram and your mobile banking up

[Participant 3][01:42] for Instagram. I was going on Instagram a lot. So I used to, I know for sure that I go at least three times a day just to talk to my friend, score a little bit on reels, watch funny videos and get entertained. My banking up don't go as much I go, mainly to check my balance before I go to eat, or when I have to manage some investment I've done, or look at my expenses perfect.

[Researcher 2][02:12] And have you ever set screen time limits or similar controls on your phone to manage your use of either of these apps? If yes, motivated like you to do. So what motivated you to do?

[Participant 3][02:22] So, yeah, I used to to have that app that limit my screen time on Instagram, but I didn't keep it for long. I was motivated because I felt that I was going I was spending too much time on Instagram, but then I realized that it wasn't actually helping me, so I deleted the app, the app, and I didn't download any, any app for the banking app, because I don't go a lot on the banking app, except for the things I've said previously. So yeah,

[Researcher 2][02:59] okay, and as you completed the log boot entries over the two weeks, did you begin to notice any emerging patterns and when or how you used each app?

[Participant 3][03:07] So I realized that every time that I used to pick up my phone, I was opening the Instagram app, even though it was only for one minute, I will open it just because other five bits. Also, I tend to open Instagram after specific events. So when I watch a basketball game and I want to talk to my friends about it, or watch some content, or what do people say about that specific game, I'll go on Instagram and and look up the content and the comment, the comments, yeah. And for the banking app, I tend to open the app before I go to eat. So when I'm at the library and I want to take a break, I will open the app to see how much money I have on my bank account and whether or not I can afford to go eat outside, or should I wait to come back home to eat? And, yeah, that's basically it perfect.

[Researcher 2][04:13] And as a quick estimate, how much time do you think you spend on each app during the study period? Do you think this amount is more less or about the same as your usual usage.

[Participant 3][04:24] So during this study period, the time usually be less than my usual, usual screen time, just because I tend to delete Instagram and all other social media app so I can get focused on school and my lectures and and not get distracted. I will never delete my banking app because I don't feel that it is a distraction. And yeah, so it will be less than usual. Perfect.

[Researcher 2][05:00] Yeah, and across the two week period, what typically prompted you to open Instagram and what prompted you to open your banking app across

[Participant 3][05:07] the two weeks period? So when I get stressed about school mostly, or even when I want to get entertained by I mean, I don't know if I have too much on my mind, I would just go on Instagram, watch funny videos and like, kind of relieve all the stress I have. I also go on the app. I mean, Instagram on when I have to go to bed before going to bed, I'll spend like 2025, minutes on my phone, scrolling and talking to my friends before going to sleep. And for the banking app, I'll go when I want to check some investment. If I have a notification about the sap 500 going down or whatever, I'll check it. And also when I have big expenses during the week or during the day, I'll check on my bank account whether or not it was too much.

[Researcher 2][06:12] Yeah, that's it, perfect. So basically monitoring your expenses Exactly. Did you ever find yourself switching directly from one of of these apps to the other. If so, what do you think triggered that transition?

[Participant 3][06:26] I've done it a couple of times during the two weeks period, mostly when I was crawling on Instagram. And then I'll see a post about open, AI making a big move, or Instagram or Facebook, I mean, meta doing a big move. And by big move, I mean that the stock market will shift either, like, go high or down. Then I will look to my banking app to see how the market goes. But I see I've only noticed it a couple times,

[Researcher 2][06:59] and Were there particular times of day when you noticed you were more or less likely to use either app? Why do you think those patterns occurred?

[Participant 3][07:08] Was mostly on weekends when I didn't have a lot to do, when I didn't have to wake up early, I'll go especially on Sundays, I'll stay in bed and scroll for like a longer time than usual? Yeah, I think that's it. Okay.

[Researcher 2][07:27] And did you notice any emotional changes before, during or after using either app? If yes, can you describe any specific example where this was especially noticeable?

[Participant 3][07:37] The thing I can notice is, let's say, for instance, got the information that I got my I got paid by my colleagues. I'll open my banking app, and usually I'll be happy before opening the app, and it will stay like that until the end, till I close it. Otherwise, I'll be I can also receive a notification that I have a subscription going on and that I pay for one that I didn't, that I didn't mean to pay. And then I'll be angry at it. And then when I will open my banking app and I see that the payment actually didn't go through, I will be happy. So that's a shift that can happen, but I won't notice anything like that. For the Instagram. For Instagram,

[Researcher 2][08:33] earlier, you estimated your screen, screen time to be around 45 minutes, and the actual record, recorded amount was, it was 47.8 so it was pretty much accurate. And how do you feel about this comparison?

[Participant 3][08:54] 45 minutes, I'll say is better than what I expected. Because, let's say, for instance, last year it was way higher. I'll spend, I think, on daily average, an hour and a half on Instagram or social medias in general. So I'm actually doing better than what I used to do. I mean, I think it's still a lot, but it's also still acceptable. So I invited it so you're basically satisfied? Yeah, I'm

[Researcher 2][09:23] satisfied with it knowing your actual usage. Do you think participating in this study has influenced how you might use these apps in the future?

[Participant 3][09:33] Yeah, I think I'll, I'll spend a little bit less time on it, because I've noticed that I open Instagram for no reason sometimes, and that can find other ways to to, yeah, to get some distraction, to get entertained, or to relieve the stress that I have.

[Researcher 2][09:57] Were there any expected trends or insights? You know? Test about your app usage while completing the log book trends.

[Participant 3][10:06] One trends I can recall is that I go on Instagram while I'm eating. So when I'm eating, before I'm before I'm going to eat, I'll go on my banking app to see how much money I have, but when I'm eating, I'll open Instagram to like, just grow while I'm eating.

[Researcher 2][10:29] And last question, is there anything else you observed during the study that has not been covered in this question but feels relevant to the research topic? 

[Participant 3][10:37] No. Perfect. Thank you.