The times they are a-changin': mobile payments in india
Abstract
We report on an ethnographic study of payment and banking practices in India. Currently a mobile payment mechanism is being developed in India and we were interested to see how it would fit with various current payment systems for various types of users. Therefore we studied a variety of current payment situations and gained an understanding of the banking and payment practices and needs of a diverse community. Our aim was to inform the development of interface elements, applications and services that would support the needs we uncovered. We describe our findings and the design ideas they provoked.
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For small business owners, digital banking may speed up transactions by cutting cash-related interactions.
“Kumar et.al. find that for small business owners, such services could encourage speedy transactions by reducing interactions associated with cash use (e.g.collecting change, maintaining record books) [34].”
From Advocacy as Access Work: How People with Visual Impairments Gain Access to Digital Banking in India (2023) · cites this paper as [34]
Kiiti and Mundada found that visually impaired Kenyans could not use M-PESA because they lacked screen reader-capable phones.
“Kiiti and Mundada, in their study examining M-PESA, a major mobile money app in Kenya, found that people with visual impairments were unable to use the app as they did not own screen reader-enabled phones [33].”
From Advocacy as Access Work: How People with Visual Impairments Gain Access to Digital Banking in India (2023) · cites this paper as [33]
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Self-citationUNDER DEVELOPMENTEncountering development ethnographically
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Representing the Non‐formal: the Business of Internet cafés in India
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Hulikal Muralidhar, S., Bossen, C., Mehra, A., & O'Neill, J. (2018) · Proceedings of the ACM on Human-Computer Interaction · doi:10.1145/3274341 · Cited by 20 · see citing works
Self-citationAdvocacy as Access Work: How People with Visual Impairments Gain Access to Digital Banking in India
Kameswaran, V., Y, V., & Marathe, M. (2023) · Proceedings of the ACM on Human-Computer Interaction · doi:10.1145/3579596 · Cited by 18 · see citing works
- Authors
- Kumar, D., Martin, D., & O'Neill, J.
- Affiliations
- Indian Institute of Technology Madras (IN)
- Xerox (France) (FR)
- Xerox Research Centre Europe, Paris, France
- ORCID
- Martin, David
- Venue
- Proceedings of the SIGCHI Conference on Human Factors in Computing Systems
- Publisher
- ACM
- Published
- 2011-05-07
- Pages
- 1413-1422
- OpenAlex
- W1969590955
- Cited by
- 56
- References
- 14
- Citations by year
- 2025: 1 · 2024: 1 · 2023: 3 · 2022: 3 · 2021: 4 · 2020: 3 · 2019: 13 · 2018: 9 · 2017: 2 · 2016: 2 · 2015: 4 · 2014: 3 · 2013: 5 · 2012: 2
- FWCI
- 2.62
- Type
- conference paper
- Language
- en
- Open access
- closed
- Locations
- CHI Conference on Human Factors in Computing Systems (publishedVersion)
- Topics
- Physical Sciences › Computer Science › Human-Computer Interaction › Usability and User Interface Design
- Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Microfinance and Financial Inclusion
- Physical Sciences › Computer Science › Human-Computer Interaction › Innovative Human-Technology Interaction
- Keywords
- mobile payment, payment practices, banking practice, payment systems, user needs, interface design, financial services, India
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