Please use this identifier to cite or link to this item: https://dl.eusset.eu/handle/20.500.12015/3321
Title: Rethinking Financial Inclusion: from Access to Autonomy
Authors: Muralidhar, Srihari Hulikal
Bossen, Claus
O’Neill, Jacki
Keywords: Affordances;Autonomy;Autorickshaw drivers;Digital money;Digital inclusion;Financial inclusion;Financial practices;Gig work;Platform economy
Issue Date: 2019
Publisher: Springer, London
metadata.dc.relation.ispartof: Computer Supported Cooperative Work - ECSCW 2019: Proceedings of the 17th European Conference on Computer Supported Cooperative Work
Series/Report no.: ECSCW
Abstract: Financial inclusion has been defined and understood primarily in terms of access, thereby constituting ‘inclusion’/‘exclusion’ as a binary. This paper argues such a view to be myopic that risks treating financial inclusion as an end in itself, and not as means to a larger end. ‘Access’ oriented perspectives also fail to take into account considerations of structural factors like power asymmetries and pay inadequate attention to user practices. Through the case of auto-rickshaw drivers in Bangalore, India, and their use of Ola, a peer-to-peer taxi hailing service similar to Uber, we show that access is a necessary, but not sufficient condition to achieve financial inclusion in a substantive sense. By examining in detail, the financial needs and practices of rickshaw drivers, we identify the opportunities and constraints for digital technology to better support their financial practices and enhance their wellbeing. The paper proposes adding ‘autonomy’ and ‘affordances’ as two crucial factors to be included in the discourse on financial inclusion. Finally, we outline design implications for P2P technologies to contribute towards the financial inclusion of drivers.
metadata.dc.identifier.doi: 10.1007/s10606-019-09356-x
URI: https://hdl.handle.net/20.500.12015/3321
ISSN: ISSN 0925-9724
metadata.mci.conference.sessiontitle: Full Papers
metadata.mci.conference.location: Salzburg, Austria
metadata.mci.conference.date: 8 - 12 June 2019
Appears in Collections:ECSCW 2019 Long Papers

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