How Personal Finance Management Systems Emancipate and Oppress Young People Herrala, Juha-Matti Vartiainen, Tero Koskelainen, Tiina 2022-12-27T19:18:39Z 2022-12-27T19:18:39Z 2023-01-03
dc.description.abstract In order to achieve financial well-being, individuals need to make sensible financial decisions. Personal finance management (PFM) systems help individuals with saving, budgeting, consumption, borrowing, and lending tasks. As much as these systems help individuals, they may also have unintended consequences. This study increases the knowledge of how PFM systems emancipate and oppress young people. We used an interpretive research approach and collected qualitative data. Our major finding is that PFM systems emancipate young people by promoting agency (the freedom to act) due to the efficient implementation of PFM tasks, for example. These systems also oppress users by hindering rationality (the freedom to think) due to stress and encouraging users to make decisions too quickly, for example. Based on the results, we offer implications for the development and research on PFM systems to reduce oppression and promote emancipation in young people.
dc.format.extent 9
dc.identifier.doi 10.24251/HICSS.2023.675
dc.identifier.isbn 978-0-9981331-6-4
dc.language.iso eng
dc.relation.ispartof Proceedings of the 56th Hawaii International Conference on System Sciences
dc.rights Attribution-NonCommercial-NoDerivatives 4.0 International
dc.subject Dark Sides of Information Technology Use
dc.subject emancipation
dc.subject finance management
dc.subject oppression
dc.subject qualitative research
dc.title How Personal Finance Management Systems Emancipate and Oppress Young People
dc.type.dcmi text
prism.startingpage 5542
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