Digitizing Monetary Ecologies: Intended and Unintended Consequences of Introducing a Financial Management App in a Low-Resource Setting
Open accessAbstract
This paper reports on the changes in the monetary ecology around loan payments by auto rickshaw drivers shortly after the introduction of a mobile app in Karnataka, India. A for-profit, social enterprise facilitates loans for purchasing auto rickshaws. The mobile app was designed and implemented to provide accurate, timely loan information for drivers, to support the collaborative work of loan collection payment, and streamline the workflows of the organization. In this paper, we report on the initial experiences with the app, and argue that its introduction led to a tighter coupling of the actors involved and moved control to the back office, which especially impacted the pre- and at-transaction interactions of the monetary ecology. The paper reflects on how these changes impact adoption and use of the app and suggests a number of changes to the design which might address the observed problematics.
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Interviews went on until saturation, meaning no fresh codes or themes appeared.
“Interviews were continued till we reached saturation [21] -that is until no new codes or themes emerged from the data.”
From Advocacy as Access Work: How People with Visual Impairments Gain Access to Digital Banking in India (2023) · cites this paper as [21]
Section 3.2 (page unavailable) describes in-situ interviews and how themes were identified, but does not say interviews continued until saturation or define saturation as the point when no new codes or themes emerged. Searches for saturation, interview stopping, and new codes or themes found no supporting passage in our copy. (LLM, conf=0.73)
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- Authors
- Hulikal Muralidhar, S., Bossen, C., Mehra, A., & O'Neill, J.
- Affiliations
- Aarhus University, Aarhus, Denmark
- Aarhus University (DK)
- Microsoft Research (India) (IN)
- Microsoft Research India, Bangalore, Karnataka, India
- ORCID
- Bossen, Claus
- Venue
- Proceedings of the ACM on Human-Computer Interaction
- Published
- 2018-11
- Volume
- 2
- Issue
- CSCW
- Pages
- 1-17
- ISSN
- 2573-0142 (ISSN-L)
- OpenAlex
- W2899475854
- Cited by
- 20
- References
- 46
- Citations by year
- 2026: 1 · 2025: 4 · 2024: 1 · 2023: 2 · 2022: 3 · 2021: 3 · 2020: 1 · 2019: 5
- FWCI
- 3.42
- Type
- journal article
- Language
- en
- Open access
- green
- pure.au.dk
- Locations
- Proceedings of the ACM on Human-Computer Interaction (publishedVersion)
- Topics
- Social Sciences › Economics, Econometrics and Finance › Economics and Econometrics › Microfinance and Financial Inclusion
- Social Sciences › Business, Management and Accounting › Management Information Systems › FinTech, Crowdfunding, Digital Finance
- Physical Sciences › Computer Science › Information Systems › ICT in Developing Communities
- Keywords
- mobile payment, loan payments, auto-rickshaw drivers, social enterprises, mobile application design, loan collection, transactional interaction, app adoption
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