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  "documentTitle": "2019 Global FS Consumer Study DACH",
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  "notes": "The compass image is likely a metaphor for 'navigating' or 'finding direction' in consumer behavior, though it is not a standard framework.",
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      "text": "on average, Skeptics stay with their bank for 14 years and their insurer for seven years.",
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      "text": "Less likely to use mobile for transactions: Although younger than other persona groups, Skeptics are less likely than Pioneers and Pragmatists to use their mobile phone to access information and transact online, or to spend time each day browsing the internet on their mobile device.",
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      "text": "Lacking in trust: Skeptics show low levels of trust in providers. This doesn't seem to affect their loyalty to these providers, however—on average, Skeptics stay with their bank for 14 years and their insurer for seven years.",
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      "text": "Often unhappy: Skeptics are demanding and often unhappy with the service they receive from their financial services providers. They are not interested in personalized products and services and less than a third want to use new channels.",
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      "text": "15 2019 Accenture Global Financial Services Consumer Study",
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      "text": "CUSTOMER PERSONAS: SKEPTICS",
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