City Research Online

Curb your enthusiasm: The dissonances of digitising personal finance

Barros Pena, B. ORCID: 0000-0003-4035-1860 (2022). Curb your enthusiasm: The dissonances of digitising personal finance. In: Proceedings of DRS. DRS2022, 25 Jun - 03 Jul 2022, Bilbao, Spain. doi: 10.21606/drs.2022.302


Financial technologies are often credited with empowering the consumer-citizen. The discourse that surrounds them is overwhelmingly positive, emphasising their contribution to speed, efficiency, availability, competition, quality and affordability. These very same technologies, however, also clash against the meanings that we attach to money, and against the things we value in our interactions with it. Through a review of the design literature on moneywork, and our own research with people experiencing both mental illness and financial difficulty, we discuss a list of dissonances that result from digitising our personal finances. We hope this discussion will encourage designers to reflect and think critically about financial technologies, and to look beyond the hype currently built around them.

Publication Type: Conference or Workshop Item (Paper)
Additional Information: This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License
Publisher Keywords: financial technologies, digital money, mental health, financial difficulty
Subjects: B Philosophy. Psychology. Religion > BF Psychology
H Social Sciences > HG Finance
T Technology > T Technology (General)
Departments: School of Science & Technology > Computer Science
[thumbnail of DRS22_submission_final.pdf]
Text - Published Version
Available under License Creative Commons Attribution Non-commercial.

Download (170kB) | Preview


Add to AnyAdd to TwitterAdd to FacebookAdd to LinkedinAdd to PinterestAdd to Email


Downloads per month over past year

View more statistics

Actions (login required)

Admin Login Admin Login