Financial Technologies in the Cycle of Poor Mental Health and Financial Hardship: Towards Financial Citizenship

Belen Barros Pena, Bailey Kursar, Rachel Clarke, Katie Alpin, Merlyn Holkar, John Vines

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Abstract

It is well documented that people living with mental health con- ditions are more likely to experience fnancial difculties. When explaining this association, emphasis has often been placed on fnancial capability, i.e. the capacity of those living with poor men- tal health to manage their money. This paper challenges such capability-based explanations by reporting on a diary study and interviews with 14 people who self-identify as living with a men- tal health condition. We focused on their experiences of fnancial technology use, and explored the role technology played in their strategies to minimise the impact of mental health on their eco- nomic circumstances. Rather than lacking capability, participants’ practices revealed shortcomings of existing fnancial technologies and how they sought to work around these. We conclude by pro- viding a set of design directions for technologies that engage those living with poor mental health not as vulnerable targets for fnancial inclusion, but as full fnancial citizens.
Original languageEnglish
Title of host publicationCHI '21
Subtitle of host publicationProceedings of the 2021 CHI Conference on Human Factors in Computing Systems
Place of PublicationNew York
PublisherACM
Pages1-16
Number of pages16
ISBN (Print)9781450380966
DOIs
Publication statusPublished - 6 May 2021
EventACM CHI Conference on Human Factors in Computing Systems (CHI 2021) - Online, Yokohama, Japan
Duration: 8 May 202113 May 2021
https://chi2021.acm.org/
https://chi2021.acm.org

Conference

ConferenceACM CHI Conference on Human Factors in Computing Systems (CHI 2021)
Abbreviated titleCHI 2021
CountryJapan
CityYokohama
Period8/05/2113/05/21
Internet address

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