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

John Vines; Paul Dunphy; Andrew Monk

doi:10.1145/2556288.2556961

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

John Vines, Paul Dunphy, Andrew Monk

Research output: Chapter in Book/Report/Conference proceeding › Conference contribution › peer-review

47 Citations (Scopus)

25 Downloads (Pure)

Abstract

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.

Original language	English
Title of host publication	CHI 2014
Subtitle of host publication	One of a CHInd - Conference Proceedings, 32nd Annual ACM Conference on Human Factors in Computing Systems
Publisher	ACM
Pages	501-510
Number of pages	10
ISBN (Print)	9781450324731
DOIs	https://doi.org/10.1145/2556288.2556961
Publication status	Published - 26 Apr 2014
Externally published	Yes
Event	SIGCHI Conference on Human Factors in Computing Systems - Metro Toronto Convention Centre, Toronto, Canada Duration: 26 Apr 2014 → 1 May 2014 http://chi2014.acm.org/

Conference

Conference	SIGCHI Conference on Human Factors in Computing Systems
Abbreviated title	CHI '14
Country/Territory	Canada
City	Toronto
Period	26/04/14 → 1/05/14
Internet address	http://chi2014.acm.org/

Keywords

Banking technologies
Financial inclusion
Low income
Qualitative study

UN SDGs

This output contributes to the following UN Sustainable Development Goals (SDGs)

Access to Document

10.1145/2556288.2556961

p501-vinesFinal published version, 960 KB

Cite this

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title = "Pay or delay: The role of technology when managing a low income",

abstract = "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.",

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T1 - Pay or delay

T2 - SIGCHI Conference on Human Factors in Computing Systems

AU - Vines, John

AU - Dunphy, Paul

AU - Monk, Andrew

PY - 2014/4/26

Y1 - 2014/4/26

N2 - 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.

AB - 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.

KW - Banking technologies

KW - Financial inclusion

KW - Low income

KW - Qualitative study

U2 - 10.1145/2556288.2556961

DO - 10.1145/2556288.2556961

M3 - Conference contribution

AN - SCOPUS:84900407200

SN - 9781450324731

SP - 501

EP - 510

BT - CHI 2014

PB - ACM

Y2 - 26 April 2014 through 1 May 2014

ER -

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

Abstract

Conference

Keywords

UN SDGs

Access to Document

Fingerprint

Cite this