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 proceedingConference contributionpeer-review

29 Citations (Scopus)
1 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 languageEnglish
Title of host publicationCHI 2014
Subtitle of host publicationOne of a CHInd - Conference Proceedings, 32nd Annual ACM Conference on Human Factors in Computing Systems
PublisherACM
Pages501-510
Number of pages10
ISBN (Print)9781450324731
DOIs
Publication statusPublished - 26 Apr 2014
Externally publishedYes
Event32nd Annual ACM Conference on Human Factors in Computing Systems, CHI EA 2014 - Toronto, Canada, Toronto, ON, Canada
Duration: 26 Apr 20141 May 2014
http://chi2014.acm.org/

Conference

Conference32nd Annual ACM Conference on Human Factors in Computing Systems, CHI EA 2014
Abbreviated titleCHI
CountryCanada
CityToronto, ON
Period26/04/141/05/14
Internet address

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