research-article

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

Authors:

Belén Barros Barros Pena,

Rachel E Clarke,

John VinesAuthors Info & Claims

CHI '21: Proceedings of the 2021 CHI Conference on Human Factors in Computing Systems

Article No.: 48, Pages 1 - 16

https://doi.org/10.1145/3411764.3445251

Published: 07 May 2021 Publication History

Abstract

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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Financial Technologies in the Cycle of Poor Mental Health and Financial Hardship: Towards Financial Citizenship
1. Human-centered computing

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cover image ACM Conferences

CHI '21: Proceedings of the 2021 CHI Conference on Human Factors in Computing Systems

May 2021

10862 pages

ISBN:9781450380966

DOI:10.1145/3411764

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Tohoku University, Japan
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University of New South Wales, Australia
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University of California Santa Cruz, USA
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The University of Tokyo, Japan
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University of Copenhagen, Denmark
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Microsoft Research, USA

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Li LFreeman GKnijnenburg B(2024)Beyond Just Money Transactions: How Digital P2P Payments (Re)shape Existing Offline Interpersonal RelationshipsProceedings of the ACM on Human-Computer Interaction10.1145/36373018:CSCW1(1-36)Online publication date: 26-Apr-2024
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Li LFreeman GDuan W(2024)Exploring Redesigning Digital P2P Payments to Facilitate Social Connections: A Participatory Design ApproachExtended Abstracts of the 2024 CHI Conference on Human Factors in Computing Systems10.1145/3613905.3651095(1-8)Online publication date: 11-May-2024
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Bhattacharya ALee KRavi VStaddon JBellini R(2024)Shortchanged: Uncovering and Analyzing Intimate Partner Financial Abuse in Consumer ComplaintsProceedings of the CHI Conference on Human Factors in Computing Systems10.1145/3613904.3642033(1-20)Online publication date: 11-May-2024
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Bokolo Jnr A(2024)Examining the Use of Intelligent Conversational Voice-Assistants for Improved Mobility Behavior of Older Adults in Smart CitiesInternational Journal of Human–Computer Interaction10.1080/10447318.2024.2344145(1-22)Online publication date: 24-Apr-2024
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Dethier EBossauer PPakusch CSchreiber D(2024)Digitaler Haushalt und MarktVerbraucherinformatik10.1007/978-3-662-68706-2_3(85-133)Online publication date: 25-Mar-2024
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He CHe LLu ZLi B(2023)"I Have to Use My Son's QR Code to Run the Business": Unpacking Senior Street Vendors' Challenges in Mobile Money Collection in ChinaProceedings of the ACM on Human-Computer Interaction10.1145/35794937:CSCW1(1-28)Online publication date: 16-Apr-2023
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Bellini R(2023)Paying the Price: When Intimate Partners Use Technology for Financial HarmProceedings of the 2023 CHI Conference on Human Factors in Computing Systems10.1145/3544548.3581101(1-17)Online publication date: 19-Apr-2023
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Ali RAlyami E(2023)FinTech Usage in Saudi Arabia: The implications on youth financial decisions2023 3rd International Conference on Computing and Information Technology (ICCIT)10.1109/ICCIT58132.2023.10273922(622-625)Online publication date: 13-Sep-2023
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Coles-Kemp LRobinson NHeath C(2022)Protecting The VulnerableProceedings of the ACM on Human-Computer Interaction10.1145/35556476:CSCW2(1-26)Online publication date: 11-Nov-2022
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