"Pick Someone Who Can Kick Your Ass" - Moneywork in Financial Third Party Access

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

doi:10.1145/3432917

Cited by 10 publications

(11 citation statements)

References 43 publications

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“…Previous work has leveraged open banking data to notify pre-selected care partners of different financial events (e.g., low balance or high-dollar alerts) ( 40 ) to improve financial well-being. For those with higher risk thresholds, one could argue that some users might benefit from more active third-party involvement, including the delegation of power to transact and the disclosure of financial information.…”

Section: Discussionmentioning

confidence: 99%

Financial technologies (FinTech) for mental health: The potential of objective financial data to better understand the relationships between financial behavior and mental health

Blair

Jeff²,

Matthews³

et al. 2022

Front. Psychiatry

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Financial stability is a key challenge for individuals with mental illnesses. Symptomatic periods often manifest in poor financial decision-making including compulsive spending and risky behaviors. This article explores research opportunities and challenges in developing financial technologies (FinTech) to support individuals with mental health. Specifically, we focus on how objective financial data might lead to novel mental health assessment and intervention methods. We have used data from one individual with bipolar disorder (BD) (i.e., an N = 1 case study) to illustrate feasibility of collecting and analyzing objective financial data alongside mental health factors. While we have not found statistically significant trends nor our findings are generalizable beyond this case, our approach provides an insight into the potential of using objective financial data to identify early warning signs and thereby, enable preemptive care for individuals with serious mental illnesses. We have also identified challenges of accessing objective financial data. The paper outlines what data is currently available, what can be done with it, and what factors to consider when working with financial data. We have also explored future directions for developing interventions to support financial well-being and stability. Furthermore, we have described the technical, ethical, and equity challenges for financial data-driven assessments and intervention methods, as well as provided a broad research agenda to address these challenges.

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Section: Discussionmentioning

confidence: 99%

Financial technologies (FinTech) for mental health: The potential of objective financial data to better understand the relationships between financial behavior and mental health

Blair

Jeff²,

Matthews³

et al. 2022

Front. Psychiatry

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“…Second, we were conducting an evaluation of a new mobile application designed for people living with mental health conditions. For the purposes of this paper, we focus on the former, with the latter being reported separately elsewhere [65]. This paper reports on an entirely different analysis and data to this other work.…”

Section: Study Design and Data Collectionmentioning

confidence: 98%

“…The concept has been expanded by the HCI literature to include "the physical and social interactions that users make individually and collectively in order to enable transactions" [47]; as well as the hidden labour done by users in order to make money work for them [58]. In this broader sense, "moneywork" has inspired HCI research on alternative currencies [66]; personal financial management [47]; payments for ride-hailing services [40,58]; loan repayments by rickshaw drivers [61]; and financial third party access [65]. Even before the term "moneywork" was adopted into this field, HCI researchers have demonstrated a commitment to the study of money from the perspective of the hidden work it demands (e.g.…”

Section: Technology and "Moneywork"mentioning

confidence: 99%

“…Collaboration should become a core use case in financial technology design. From pooling resources [90] to group savings [55] or giving help with minding money [65], designers should engage with the numerous and mundane ways in which collaboration around money takes place on a daily basis. Ferreira et al demonstrate how the process of re-conceptualising money-mediated activities as social activities can take place in the case of payment transactions [27].…”

Section: Towards Technologies For Financial Citizenshipmentioning

confidence: 99%

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

Pena

Kursar²,

Clarke

et al. 2021

Proceedings of the 2021 CHI Conference on Human Factors in Computing Systems

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It is well documented that people living with mental health conditions are more likely to experience financial difficulties. When explaining this association, emphasis has often been placed on financial capability, i.e. the capacity of those living with poor mental 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 mental health condition. We focused on their experiences of financial technology use, and explored the role technology played in their strategies to minimise the impact of mental health on their economic circumstances. Rather than lacking capability, participants' practices revealed shortcomings of existing financial technologies and how they sought to work around these. We conclude by providing a set of design directions for technologies that engage those living with poor mental health not as vulnerable targets for financial inclusion, but as full financial citizens.

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“…It is clear that the positive security examples provided by our research present a relational rather than standard model of service design: while specific points of friction might be identified and addressed with improvements in the user experience such as verification-by-phone, or even theoretical innovations to authenticate trusted third parties (for example [28,29]), the positive security framework facilitates a more holistic reconceptualization of what we mean by security.…”

Section: Limits Of Common Hci and Service Design Approachesmentioning

confidence: 99%

Digital Security Narratives in the Time of COVID-19: A Case for Kindness

Coles-Kemp

Hall

2022

Springer Series in Design and Innovation

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The COVID-19 pandemic has shined a light on the digital divide and its implications in a digital-first society. In the UK, where our research is focused, parts of society still lack the infrastructure and/or basic skills needed to access essential online services like health, welfare, food, housing and education. During the pandemic, these services became digital by necessity, forcing many people to seek help through informal networks such as community hubs. Based on our focus groups and interviews with voluntary and third sector organisations in the UK, we make a case in this chapter for a kinder, more holistic approach to the accessibility of essential online services, based on the hypothesis that such an approach creates the types of spaces in which the benefits of such services can be more safely realised.

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"Pick Someone Who Can Kick Your Ass" - Moneywork in Financial Third Party Access

Cited by 10 publications

References 43 publications

Financial technologies (FinTech) for mental health: The potential of objective financial data to better understand the relationships between financial behavior and mental health

Financial technologies (FinTech) for mental health: The potential of objective financial data to better understand the relationships between financial behavior and mental health

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

Digital Security Narratives in the Time of COVID-19: A Case for Kindness

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