Follow the Money
Follow the Money
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追随金钱
DOI：
10.1145/3290605.3300620
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发表时间：
2019
期刊：
影响因子：
--
通讯作者：
Lewis M
中科院分区：
文献类型：
--
作者：
Lewis M
转向数字支付和移动的货币，远离实物现金和银行服务，为用户提供了通过各种个人财务管理服务改变他们消费、储蓄和管理资金的方式的机会。然而，与日常消费、储蓄和其他形式的金融交易模式相比，用户如何与利用丰富数据和连接数字内容供其个人使用的金融管理服务进行交互、理解或评价尚不清楚。为了探索人们如何参与这些系统，我们对金融活动进行了研究，随着时间的推移跟踪人们的交易活动，并采访他们对当前和未来金融技术的实践，理解，需求，担忧和期望。从观察到的日常活动和实践中，我们确定了数字化个人财务系统设计的影响。
The move towards digital payments and mobile money, and away from physical cash and banking services offers users opportunities to change the ways that they can spend, save and manage their money through a variety of personal financial management services. However, set against ordinary, everyday patterns of spending, saving and other forms of financial transaction, it is not clear how users might interact with, understand, or value financial management services that utilise rich data and connected digital content for their personal use. In order to explore how people might engage with such systems, we conducted a study of financial activity, following people's transactional activity over time, and interviewing them about their practices, understandings, needs, concerns and expectations of current and future financial technologies. Drawing from the everyday activities and practices observed, we identify implications for the design of digitally enabled, personal financial systems.