City Research Online

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.

Publication Type:	Conference or Workshop Item (Paper)
Additional Information:	© ACM} 2021. This is the author's version of the work. It is posted here for your personal use. Not for redistribution. The definitive Version of Record was published in CHI '21: Proceedings of the 2021 CHI Conference on Human Factors in Computing Systems, https://doi.org/10.1145/3411764.3445251
Publisher Keywords:	Financial citizenship, Financial technology, Diary study, Financial inclusion, Financial hardship, Mental health
Subjects:	B Philosophy. Psychology. Religion > BF Psychology H Social Sciences > HG Finance T Technology > T Technology (General)
Departments:	School of Science & Technology > Computer Science

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