Curb Your Enthusiasm: The Dissonances of Digitising Personal Finance

Belén Barros Pena; Bailey Kursar; Rachel Clarke; John Vines

doi:10.21606/drs.2022.302

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 proceeding › Conference 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 language	English
Title of host publication	Proceedings of DRS 2022 - The 2022 Design Research Society Conference
Editors	Dan Lockton, Sara Lenzi, Paul Hekkert, Arlene Oak, Juan Sádaba
Place of Publication	London
Publisher	Design Research Society
Number of pages	17
ISBN (Electronic)	978-1-91229-457-2
DOIs	https://doi.org/10.21606/drs.2022.302
Publication status	Published - 25 Jun 2022
Event	Design Research Society 2022 - Bilbao, Spain Duration: 25 Jun 2022 → 3 Jul 2022 https://www.drs2022.org/

Publication series

Name	Proceedings of DRS 2022 International Conference
Publisher	Design Research Society
ISSN (Electronic)	2398-3132

Conference

Conference	Design Research Society 2022
Abbreviated title	DRS 2022
Country/Territory	Spain
City	Bilbao
Period	25/06/22 → 3/07/22
Internet address	https://www.drs2022.org/

Keywords / Materials (for Non-textual outputs)

financial technologies
digital money
mental health
financial difficulty

Access to Document

10.21606/drs.2022.302Licence: Creative Commons: Attribution Non-Commercial (CC-BY-NC)

Curb Your Enthusiasm_PENA_DOA28022022_AFV_CC-BY-NCAccepted author manuscript, 167 KBLicence: Creative Commons: Attribution Non-Commercial (CC-BY-NC)
Curb Your Enthusiasm_PENA_DOA28022022_VOR_CC-BY-NCFinal published version, 381 KBLicence: Creative Commons: Attribution Non-Commercial (CC-BY-NC)

https://dl.designresearchsociety.org/drs-conference-papers/drs2022/researchpapers/67/Licence: Creative Commons: Attribution Non-Commercial (CC-BY-NC)

Cite this

Barros Pena, B., Kursar, B., Clarke, R., & Vines, J. (2022). Curb Your Enthusiasm: The Dissonances of Digitising Personal Finance. In D. Lockton, S. Lenzi, P. Hekkert, A. Oak, & J. Sádaba (Eds.), Proceedings of DRS 2022 - The 2022 Design Research Society Conference (Proceedings of DRS 2022 International Conference). Design Research Society. https://doi.org/10.21606/drs.2022.302

Barros Pena, Belén ; Kursar, Bailey ; Clarke, Rachel et al. / Curb Your Enthusiasm: The Dissonances of Digitising Personal Finance. Proceedings of DRS 2022 - The 2022 Design Research Society Conference. editor / Dan Lockton ; Sara Lenzi ; Paul Hekkert ; Arlene Oak ; Juan Sádaba. London : Design Research Society, 2022. (Proceedings of DRS 2022 International Conference).

@inproceedings{6cef8b14e3964d1585b8d8ebfb32f446,

title = "Curb Your Enthusiasm: The Dissonances of Digitising Personal Finance",

abstract = "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.",

keywords = "financial technologies, digital money, mental health, financial difficulty",

author = "{Barros Pena}, Bel{\'e}n and Bailey Kursar and Rachel Clarke and John Vines",

year = "2022",

month = jun,

day = "25",

doi = "10.21606/drs.2022.302",

language = "English",

series = "Proceedings of DRS 2022 International Conference",

publisher = "Design Research Society",

editor = "Dan Lockton and Sara Lenzi and Paul Hekkert and Arlene Oak and Juan S{\'a}daba",

booktitle = "Proceedings of DRS 2022 - The 2022 Design Research Society Conference",

note = "Design Research Society 2022, DRS 2022 ; Conference date: 25-06-2022 Through 03-07-2022",

url = "https://www.drs2022.org/",

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Barros Pena, B, Kursar, B, Clarke, R & Vines, J 2022, Curb Your Enthusiasm: The Dissonances of Digitising Personal Finance. in D Lockton, S Lenzi, P Hekkert, A Oak & J Sádaba (eds), Proceedings of DRS 2022 - The 2022 Design Research Society Conference. Proceedings of DRS 2022 International Conference, Design Research Society, London, Design Research Society 2022, Bilbao, Spain, 25/06/22. https://doi.org/10.21606/drs.2022.302

Curb Your Enthusiasm: The Dissonances of Digitising Personal Finance. / Barros Pena, Belén; Kursar, Bailey; Clarke, Rachel et al.
Proceedings of DRS 2022 - The 2022 Design Research Society Conference. ed. / Dan Lockton; Sara Lenzi; Paul Hekkert; Arlene Oak; Juan Sádaba. London: Design Research Society, 2022. (Proceedings of DRS 2022 International Conference).

Research output: Chapter in Book/Report/Conference proceeding › Conference contribution

TY - GEN

T1 - Curb Your Enthusiasm: The Dissonances of Digitising Personal Finance

AU - Barros Pena, Belén

AU - Kursar, Bailey

AU - Clarke, Rachel

AU - Vines, John

PY - 2022/6/25

Y1 - 2022/6/25

N2 - 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.

AB - 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.

KW - financial technologies

KW - digital money

KW - mental health

KW - financial difficulty

U2 - 10.21606/drs.2022.302

DO - 10.21606/drs.2022.302

M3 - Conference contribution

T3 - Proceedings of DRS 2022 International Conference

BT - Proceedings of DRS 2022 - The 2022 Design Research Society Conference

A2 - Lockton, Dan

A2 - Lenzi, Sara

A2 - Hekkert, Paul

A2 - Oak, Arlene

A2 - Sádaba, Juan

PB - Design Research Society

CY - London

T2 - Design Research Society 2022

Y2 - 25 June 2022 through 3 July 2022

ER -

Curb Your Enthusiasm: The Dissonances of Digitising Personal Finance

Abstract / Description of output

Publication series

Conference

Keywords / Materials (for Non-textual outputs)

Access to Document

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Cite this