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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Yoshifumi Kitamura
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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Published: 07 May 2021

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May 8 - 13, 2021

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Dai JGorman BTigwell GLyhme HBarros Pena BMoffatt KLatulipe C(2024)accessFinTech: Designing Accessible Financial TechnologyProceedings of the 26th International ACM SIGACCESS Conference on Computers and Accessibility10.1145/3663548.3688551(1-5)Online publication date: 27-Oct-2024
https://dl.acm.org/doi/10.1145/3663548.3688551
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 CHI Conference on Human Factors in Computing Systems10.1145/3613905.3651095(1-8)Online publication date: 11-May-2024
https://dl.acm.org/doi/10.1145/3613905.3651095
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Brozena JBlair JRichardson TMatthews MMukherjee DSaunders EAbdullah S(2024)Supportive Fintech for Individuals with Bipolar Disorder: Financial Data Sharing Preferences for Longitudinal Care ManagementProceedings of the 2024 CHI Conference on Human Factors in Computing Systems10.1145/3613904.3642645(1-15)Online publication date: 11-May-2024
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Wani AJoshi INahvi NSingh P(2024)"Unrest and trauma stays with you!": Navigating mental health and professional service-seeking in KashmirProceedings of the 2024 CHI Conference on Human Factors in Computing Systems10.1145/3613904.3642507(1-17)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 2024 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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