Rethinking Financial Inclusion: from Access to Autonomy

Simple item page
dc.contributor.authorMuralidhar, Srihari Hulikal
dc.contributor.authorBossen, Claus
dc.contributor.authorO’Neill, Jacki
dc.date.accessioned2019-05-30T05:04:44Z
dc.date.available2019-05-30T05:04:44Z
dc.date.issued2019
dc.description.abstractFinancial 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.en
dc.identifier.doi10.1007/s10606-019-09356-x
dc.identifier.pissnISSN 0925-9724
dc.language.isoen
dc.publisherSpringer, London
dc.relation.ispartofComputer Supported Cooperative Work - ECSCW 2019: Proceedings of the 17th European Conference on Computer Supported Cooperative Work
dc.relation.ispartofseriesECSCW
dc.subjectAffordances
dc.subjectAutonomy
dc.subjectAutorickshaw drivers
dc.subjectDigital money
dc.subjectDigital inclusion
dc.subjectFinancial inclusion
dc.subjectFinancial practices
dc.subjectGig work
dc.subjectPlatform economy
dc.titleRethinking Financial Inclusion: from Access to Autonomyen
dc.typeText/Journal Article
gi.conference.date8 - 12 June 2019
gi.conference.locationSalzburg, Austria
gi.conference.sessiontitleFull Papers
gi.tagbestpaper
mci.conference.reviewfull

Files

Original bundle
1 - 1 of 1
Thumbnail Image
Name:
ecscw2019_PrePrint_SHM.pdf
Size:
674.9 KB
Format:
Adobe Portable Document Format
Download

Collections

ECSCW 2019 Long Papers