2. Research / Survey

6. “ I usually put most of my money in my saving account in the first place and transfer the money to checking account whenever I need it. I try to spend less if I think I have spent too much this week or month.” “ Not enough income to save for now.”

8. interview

9. Secondary Research

10. Tap-and-Go technology to pay

13. Virtual Wallet PNC has built on the success of Virtual Wallet to meet the financial needs of college students and tech-savvy customers of other generations.

25. conclusion