Pay or delay: the role of technology when managing a low income

Vines, John, Dunphy, Paul and Monk, Andrew (2014) Pay or delay: the role of technology when managing a low income. In: Proceedings of the 32nd annual ACM conference on Human factors in computing systems - CHI '14. Association for Computing Machinery, pp. 501-510. ISBN 978-1-4503-2473-1

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This paper reports on a qualitative study of 38 low-income individuals living in the North East of England. The participants' experiences of money, banking and the role digital technology plays in their financial practices were identified through semi-structured interviews in people's homes and group workshops. A grounded theory analysis of these data characterises how technology both helped and hindered participants to keep close control of their finances. These findings suggest design opportunities for future digital banking technologies that extend the already sophisticated practices of individuals managing a low income, focusing on: delaying, prioritising, planning, watching, and hiding monetary transactions.

Item Type: Book Section
Uncontrolled Keywords: Banking technologies; low income; financial inclusion; qualitative study
Subjects: G900 Others in Mathematical and Computing Sciences
L900 Others in Social studies
Department: Faculties > Arts, Design and Social Sciences > Design
Depositing User: Becky Skoyles
Date Deposited: 20 Mar 2018 14:36
Last Modified: 01 Aug 2021 08:36

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