How Personal Finance Management Systems Emancipate and Oppress Young People

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dc.contributor.authorHerrala, Juha-Matti
dc.contributor.authorVartiainen, Tero
dc.contributor.authorKoskelainen, Tiina
dc.date.accessioned2022-12-27T19:18:39Z
dc.date.available2022-12-27T19:18:39Z
dc.date.issued2023-01-03
dc.description.abstractIn 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.extent9
dc.identifier.doi10.24251/HICSS.2023.675
dc.identifier.isbn978-0-9981331-6-4
dc.identifier.other028513df-3f6d-4aec-93eb-16a349694a64
dc.identifier.urihttps://hdl.handle.net/10125/103309
dc.language.isoeng
dc.relation.ispartofProceedings of the 56th Hawaii International Conference on System Sciences
dc.rightsAttribution-NonCommercial-NoDerivatives 4.0 International
dc.rights.urihttps://creativecommons.org/licenses/by-nc-nd/4.0/
dc.subjectDark Sides of Information Technology Use
dc.subjectemancipation
dc.subjectfinance management
dc.subjectoppression
dc.subjectqualitative research
dc.titleHow Personal Finance Management Systems Emancipate and Oppress Young People
dc.type.dcmitext
prism.startingpage5542

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