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In high level , what is the role of motivation on consumption? And how this will help in understand the target market of SoFi Fintech

In high level , what is the role of "motivation" on consumption? And how this will help in understand the target market of SoFi Fintech company ? assume that we are targeting the following segments

(1) student

(2) Low-income employee

(3) High-income employee with strong credit exposure

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