Curb Your Enthusiasm: The Dissonances of Digitising Personal Finance

Belén Barros Pena*, Bailey Kursar, Rachel Clarke, John Vines

*Corresponding author for this work

Research output: Chapter in Book/Report/Conference proceedingConference contribution

Abstract / Description of output

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.
Original languageEnglish
Title of host publicationProceedings of DRS 2022 - The 2022 Design Research Society Conference
EditorsDan Lockton, Sara Lenzi, Paul Hekkert, Arlene Oak, Juan Sádaba
Place of PublicationLondon
PublisherDesign Research Society
Number of pages17
ISBN (Electronic)978-1-91229-457-2
Publication statusPublished - 25 Jun 2022
EventDesign Research Society 2022 - Bilbao, Spain
Duration: 25 Jun 20223 Jul 2022

Publication series

NameProceedings of DRS 2022 International Conference
PublisherDesign Research Society
ISSN (Electronic)2398-3132


ConferenceDesign Research Society 2022
Abbreviated titleDRS 2022
Internet address

Keywords / Materials (for Non-textual outputs)

  • financial technologies
  • digital money
  • mental health
  • financial difficulty


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