◇ User Survey

FXpress · AI Co-Pilot for Cross-Border Remittance · User Survey

Property	Value
🏷️ Status	Complete
📅 Project	FXpress · Cross-Border Sending Companion
🔖 Phase	Discover
🛠️ Method	Structured survey · 4 senders
🎯 Focus	Remittance habits · Crypto awareness · AI receptivity · FX timing

User Survey

The survey's goal was to understand habits, challenges, and attitudes around:

Sending money internationally to family and friends
Using crypto or digital wallets for remittance
Trust in AI financial recommendations
Frustrations with traditional FX conversion and timing

Survey Questions

Question	Type	Purpose
Have you ever sent money to friends/family outside your country?	Yes/No	Filter remittance users
Which country did you send money to?	Short text	Identify common corridors (e.g., US → Philippines)
What tools or apps do you currently use to send money abroad?	Multiple choice (Wise, Western Union, Venmo, crypto wallet, none)	Understand competition/alternatives
What frustrates you most about sending money internationally?	Open text	Surface key pain points
Do you ever check exchange rates before you send money?	Always / Sometimes / Rarely / Never	Gauge timing behavior
Have you ever delayed a transfer because the rate wasn't good?	Yes/No	Confirm timing pain
Have you ever used cryptocurrency (USDC, Bitcoin, Ethereum) to send or receive money?	Yes/No	Establish crypto exposure
If no, what concerns stop you from using crypto for remittance?	Multiple choice	Surface crypto barriers
If an app used AI to recommend the best FX rate and send funds when optimal — would you use it?	Likert (1–5)	Validate core feature idea
What would help you trust an AI assistant to handle part of a money transfer?	Open text	Define trust conditions
How much control would you want in an AI-driven remittance process?	Multiple choice (Full control, Auto-send with alerts, Auto-send with override, Not interested)	Tailor AI interaction model
What information would help you feel confident before sending money?	Open text	Improve transparency and UX messaging

📎 Survey Asset: raw responses captured in the Interview Assets database.

Participants

Name	Age	Location	Occupation	Sends To	Tools	Crypto Used
Jenni	29	Los Angeles, CA	Marketing Coordinator	Philippines	PayPal · Western Union · Remitly	No
Kang	35	New York, NY	Software Engineer	South Korea	Wise · Coinbase · Bitso	Yes
Perry	40	Dallas, TX	Warehouse Supervisor	El Salvador	Remitly · Western Union · bank wire	No
Sadie	26	San Francisco, CA	Freelance UX Designer	Argentina · Nigeria	Coinbase Wallet · MetaMask · Celo	Yes

AI Interest vs Crypto Comfort

AI Interest
High │  Sadie          Kang
     │  (Definitely)   (Yes, if I see the logic)
     │
     │  Jenni
     │  (Probably)
Low  │  Perry
     │  (Probably not)
     └─────────────────────────────────
       Low crypto            High crypto
       comfort               comfort
       Perry · Jenni         Sadie · Kang