Title
Financial Technologies in the Cycle of Poor Mental Health and Financial Hardship: Towards Financial Citizenship
Abstract
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.
Year
DOI
Venue
2021
10.1145/3411764.3445251
Conference on Human Factors in Computing Systems
Keywords
DocType
Citations 
Financial technology, Mental health, Financial hardship, Financial inclusion, Financial citizenship, Diary study
Conference
0
PageRank 
References 
Authors
0.34
0
6
Name
Order
Citations
PageRank
Belén Barros Pena101.69
Bailey Kursar200.34
Rachel Elizabeth Clarke3114.28
Katie Alpin400.34
Merlyn Holkar500.34
John Vines660955.33