Working Digital Money into a Cash Economy: The Collaborative Work of Loan Payment
Working Digital Money into a Cash Economy: The Collaborative Work of Loan Payment
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将数字货币融入现金经济：贷款支付的协同工作
DOI：
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发表时间：
2017
期刊：
影响因子：
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通讯作者：
S. Muralidhar
中科院分区：
文献类型：
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作者：
J. O'Neill;A. Dhareshwar;S. Muralidhar
本文研究了不同形式的货币，特别是数字货币与现金，如何影响组织及其客户的工作。在这样做的过程中，它为探索金钱的社会意义如何影响实践的文献做出了贡献。我们描述了一项考察贷款收集工作流程的人种学研究的结果，其中银行贷款给机动三轮车司机购买他们的机动三轮车是由中介监督和管理的。我们发现，让司机可以使用移动支付服务需要大量的工作，而且很大程度上已经实现了，因为它嵌入了更广泛、更可信的贷款支付生态系统。虽然Airtel Money承诺随时随地付款，但付款对司机来说仍然是时间和地点的限制。采用交易方式进行支付是很有诱惑力的，事实上，我们最初尝试将频繁支付作为一种支付机制。然而，在实践中，支付嵌入在一系列社会关系和社会技术生态系统中。要让这些经济上脆弱的司机还清贷款，需要大量的协作工作和相当大的灵活性，而将问题归结为支付机制之一并不能说明问题的全部。
This paper examines how different forms of money, specifically digital versus cash, impact on the work of an organisation and its customers. In doing so it contributes to the body of literature exploring how the social meanings of money impact on practice. We describe the findings of an ethnographic study examining loan collection workflows, where bank loans given to auto-rickshaw drivers to purchase their auto-rickshaw are overseen and managed by an intermediary. We found that making the mobile money service usable for the drivers took considerable work and was largely achieved because it was embedded in the wider, trusted, loan payment ecosystem. Although Airtel Money promises anytime, anywhere payments, payment remains time and place bound for the drivers. It is tempting to take a transactional approach to payments, and indeed we initially approached the problem of enabling frequent payments as one of payment mechanism. However, in practice payments are embedded in sets of social relations and a socio-technical ecosystem. It takes considerable collaborative work, and a fair amount of flexibility, to enable these financially vulnerable drivers to pay off their loans, and reducing the issue to one of payment mechanism alone does not tell the full story.