[researcher][00:00] 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, reflections and feelings about your experience, 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 questions at any time if it makes you uncomfortable. 

[researcher][00:27] So, to begin, could you tell me about your main hobbies or activities that you enjoy in your free time?

[participant][00:36] Usually it's sports, cooking, investing. So I usually spend my time scrolling on Instagram to watch about these things.

[researcher][00:46] Okay, and in what ways, if any, do you think that your mobile app use, either Instagram or your banking app supports or interferes with these hobbies?

[participant][01:00] Basically, when it comes to Instagram you can see the content for all three of them. When it comes to sports like you can you can easily see a coach, coaching, giving tips, so you can learn from him, when it comes to cooking again, recipes and for  investments their opinion when something like a big crash happens in the market. So yeah, it's just knowledge, it helps with kowledge basically.

[researcher][01:32] Before starting the two week log book, how would you describe your typical interactions with Instagram and your mobile mobile banking app?

[participant][01:41] So basically, Instagram was something I opened regularly throughout the day, mostly out of habit, like while going to uni. And my use wasn't intentional most of the time. But when it comes to my banking app, usually it's just when I go to eat, I check my bank account. So it was just like, rarely, very rare.

[researcher][02:05] Okay, have you ever set screen time limits or similar controls on your phone, to manage your use of either of these app and if yes, what motivated you to do so?

[participant][02:18] For Instagram, I usually set the screen time for thirty minutes, but sometimes an hour, depending on how busy I am throughout the period. But usually, I put it regularly at thirty minutes. So each time I increase by five minutes, by the time I get to an hour, I avoid using it, but it's usually not that much, unless I'm checking my bank account or investing.

[researcher][02:55] Okay, and as you completed the log book entries over the two weeks, did you begin to notice any emerging patterns in when or how you used each app?

[participant][03:09] Yes, actually, I noticed that I tend to open Instagram during small breaks, for eample, while being in the classroom or when I'm bored, or late at night in bed before sleeping, so procrastinating more or less. And for the banking app, it's always for a specific purposes. It's not like Instagram.

[researcher][03:29] Okay, and as a quick estimate, just between us, how much time do you think you spent on each app during the study period? And do you think this amount is more or less or about the same as your usual usage?

[participant][03:45] Usually it depends on, how stressed I am. Sometimes when I'm really stressed, It's less than my average. I think my average would be around thirty to fourty minutes per day, and during exam period, it's twenty I guess, but yeah, if I have nothing, it's probably like an hour. And my banking app, it's like five minutes maximum per week.

[researcher][04:13] Okay, across the two week period, what typically prompted you to open Instagram and what prompted you to open your banking app?

[participant][04:25] Usually I opened Instagram out of habit, or when I want to take a break mentally and sometimes just for the content. If i'm bored, and want to check some new recipes, sports content, sports highlights, invest, or investment things. But yeah, that's it for Instagram and for banking app, it's always to check balances, monitor spendings and transactions.

[researcher][04:52] And did you ever find yourself switching directly from one of these apps to the other? And if so, what do you think triggered that transition?

[participant][05:02] Usually, like, for example, sometimes when crypto crashes, of course, like I'm switching to then to the banking app, just to regulate, like my investments. And when it comes to shopping, same logic, like when they when there's, for example, a new drop or something, a new collection immediately like I tend to buy like things, and I usually check my balance again.

[researcher][05:29] 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][05:45] Can you repeat the question?

[researcher][05:50] Yes, were there particular times of day when you noticed you were more or less likely to use either app, and why do you think those patterns occurred?

[participant][06:00] Okay, usually I tend to use Instagram in the morning or late at night. Like, that's because during the day I'm more or less busy, and in the morning, like, you know, to get to uni takes time, so yeah, but usually morning and late night. But it's the opposite when it comes to my banking app, it's usually throughout the day, like staying in uni and want to get a coffee, get a sandwich. You want to check your balance.

[researcher][06:31] And did you notice any emotional changes before, during or after using either app? If yes, can you describe any specific examples where this was especially noticeable?

[participant][06:46] To be honest, before doing the form. I didn't notice that much of a difference when it comes to Instagram, but afterwards, when it comes to the doing the question, and answering the questions. I noticed, sometimes I use Instagram to take a break, but it like it gets worse, I feel more distracted and it takes more effort to get back to studying or, like, doing whatever I'm supposed to be doing. So yeah, like I feel it's like we're wasting time, and then like it's getting harder to do it, to do the task again. But for the banking app, it's more like a neutral emotion, like you just check it and you move on.

[researcher][07:33] Can you just tell me again, what did you estimate your screen time to be?

[participant][07:38] Probably fourty to fourty-five minutes per day.

[researcher][07:40] Okay, fourty to fourty-five minutes minutes per day. Well, your Instagram, average daily use is thirty-eight minutes, and for the banking app, it's three and a quarter minutes per day. What do you feel about that?

[participant][07:58] I mean, I estimated around fourty-five so it's pretty much accurate, like, more or less accurate. But, I mean, it's not extremely high. But again, sometimes it can get to one hour two, so one hour 20, and other days it could be less.

[researcher][08:17] And knowing your actual usage, do you think that participating in this study has influenced how you might use these apps in the future?

[participant][08:27] Yeah, especially while studying, like before the whole Google forms that we filled, I didn't notice like that we can get actually more distracted than in the moment. But so yeah, like, I would prevent using Instagram while studying throughout the day, if, especially in exam season and then afterwards. Yeah, maybe. But for banking apps, again, it's it's more neutral because, I mean, you're spending more or less the same money, and sometimes in exam season, it's more so I can see why we can, like, check more banking apps throughout exam season.

[researcher][09:06] And were there any unexpected trends or insights you noticed about your app usage while completing the log book?

[participant][09:15] I didn't expect how often I opened Instagram during like, small moments in class and the bus like so, yeah. But other than that, banking up again, straightforward. 

[researcher][09:26] Okay, and last question, is there anything else you observed during the study that has not been that has not been covered in these questions, but feels relevant to the to the research topic?

[participant][09:40] Yeah, I noticed that like Instagram can really like influence us in everything, like psychologically when it comes to like fashion, probably trends like everything it like changes like change our perspective. So yeah, but banking up, I don't think like that's up to the money you have in your bank account.

[researcher][10:06] Okay, great. Well, thank you so much for participating in the in the study. 

[participant][10:10] Thank you.