Emma Jones, 42

Married, two children of age 9 and 11.

Works part time as a teacher at an elementary school at the capital of the district.
Since 2003 she is a loyal customer of "ABC Bank Ltd." and has two savings accounts plus - together with her husband Mark - a mortgage at this bank.

Besides the online banking to pay the bills, Emma regularly collects some money at the ATM outside the local branch of ABC Bank between dropping off her younger daughter at school and picking up the older one from dance lessons.