Pay or delay: the role of technology when managing a low income
Proceedings of the SIGCHI Conference on Human Factors in Computing Systems, 2014•dl.acm.org
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 …
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 …
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.