Recipes for Programmable Money

Elsden, Chris, Feltwell, Tom, Lawson, Shaun and Vines, John (2019) Recipes for Programmable Money. In: Proceedings of the 2019 CHI Conference on Human Factors in Computing Systems (CHI '19): May 4–9, 2019, Glasgow, Scotland UK. CHI (19). ACM, New York, NY, USA, p. 251. ISBN 9781450359702

Elsden et al - Recipes for Programmable Money AAM.pdf - Accepted Version

Download (1MB) | Preview
Official URL:


This paper presents a qualitative study of the recent integration of a UK-based, digital-first mobile banking app — Monzo — with the web automation service IFTTT (If This Then That). Through analysis of 113 unique IFTTT ‘recipes’ shared by Monzo users on public community forums, we illustrate the potentially diverse functions of these recipes, and how they are achieved through different kinds of automation. Beyond achieving more convenient and efficient financial management, we note many playful and expressive applications of conditionality and automation that far extend traditional functions of banking applications and infrastructure. We use these findings to map opportunities, challenges and areas of future research in the development of ‘programmable money’ and related financial technologies. Specifically, we present design implications for the extension of native digital banking applications; novel uses of banking data; the applicability of blockchains and smart contracts; and future forms of financial autonomy.

Item Type: Book Section
Uncontrolled Keywords: Money, Automation, FinTech, IFTTT
Subjects: G400 Computer Science
N300 Finance
W200 Design studies
Department: Faculties > Arts, Design and Social Sciences > Design
Faculties > Engineering and Environment > Computer and Information Sciences
Depositing User: Paul Burns
Date Deposited: 11 Mar 2019 15:28
Last Modified: 01 Aug 2021 11:15

Actions (login required)

View Item View Item


Downloads per month over past year

View more statistics