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The joy of cheques: trust, paper and eighty somethings

Authors:

Stephen Lindsay,

Patrick OlivierAuthors Info & Claims

CSCW '12: Proceedings of the ACM 2012 conference on Computer Supported Cooperative Work

Pages 147 - 156

https://doi.org/10.1145/2145204.2145229

Published: 11 February 2012 Publication History

Abstract

A cheque is a paper document that orders the transfer of money between bank accounts. Whilst an eighty-year-old in the UK is predicted on average to live at least another ten years, cheques may not. Despite many older peoples extensive use of cheques, UK banks are eager to abolish them and design electronic alternatives that are less costly to process and less vulnerable to fraud. This paper reports on two qualitative studies that explored the banking experiences of 23 people over eighty years old. Cheques support financial collaboration with others in ways that digital payment systems do not. We argue that whilst it might be possible to improve the design of digital payment systems to better support financial collaboration, the case for retaining and enhancing cheques is stronger. Rather than replace cheques, we must design ways of making them less costly to process and better linked to electronic payment methods.

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Cited By

Zhou CChen YWattenhofer RWang Y(2023)Print Your Money: Cash-Like Experiences with Digital MoneyExtended Abstracts of the 2023 CHI Conference on Human Factors in Computing Systems10.1145/3544549.3585772(1-7)Online publication date: 19-Apr-2023
https://dl.acm.org/doi/10.1145/3544549.3585772
Bellini R(2023)Paying the Price: When Intimate Partners Use Technology for Financial HarmProceedings of the 2023 CHI Conference on Human Factors in Computing Systems10.1145/3544548.3581101(1-17)Online publication date: 19-Apr-2023
https://dl.acm.org/doi/10.1145/3544548.3581101
Khando KIslam MGao S(2022)The Emerging Technologies of Digital Payments and Associated Challenges: A Systematic Literature ReviewFuture Internet10.3390/fi1501002115:1(21)Online publication date: 30-Dec-2022
https://doi.org/10.3390/fi15010021
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Index Terms

The joy of cheques: trust, paper and eighty somethings
1. Human-centered computing

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Published In

cover image ACM Conferences

CSCW '12: Proceedings of the ACM 2012 conference on Computer Supported Cooperative Work

February 2012

1460 pages

ISBN:9781450310864

DOI:10.1145/2145204

General Chairs:
Steven Poltrock
Boeing Research & Technology
,
Carla Simone
University of Milano-Biccoca
,
Program Chairs:
Jonathan Grudin
Microsoft Research
,
Gloria Mark
University of California, Irvine
,
John Riedl
University of Minnesota

Copyright © 2012 ACM.

Permission to make digital or hard copies of all or part of this work for personal or classroom use is granted without fee provided that copies are not made or distributed for profit or commercial advantage and that copies bear this notice and the full citation on the first page. Copyrights for components of this work owned by others than ACM must be honored. Abstracting with credit is permitted. To copy otherwise, or republish, to post on servers or to redistribute to lists, requires prior specific permission and/or a fee. Request permissions from [email protected]

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Association for Computing Machinery

New York, NY, United States

Publication History

Published: 11 February 2012

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CSCW '12: Computer Supported Cooperative Work

February 11 - 15, 2012

Washington, Seattle, USA

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CSCW '12 Paper Acceptance Rate 164 of 415 submissions, 40%;

Overall Acceptance Rate 2,235 of 8,521 submissions, 26%

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Cited By

Zhou CChen YWattenhofer RWang Y(2023)Print Your Money: Cash-Like Experiences with Digital MoneyExtended Abstracts of the 2023 CHI Conference on Human Factors in Computing Systems10.1145/3544549.3585772(1-7)Online publication date: 19-Apr-2023
https://dl.acm.org/doi/10.1145/3544549.3585772
Bellini R(2023)Paying the Price: When Intimate Partners Use Technology for Financial HarmProceedings of the 2023 CHI Conference on Human Factors in Computing Systems10.1145/3544548.3581101(1-17)Online publication date: 19-Apr-2023
https://dl.acm.org/doi/10.1145/3544548.3581101
Khando KIslam MGao S(2022)The Emerging Technologies of Digital Payments and Associated Challenges: A Systematic Literature ReviewFuture Internet10.3390/fi1501002115:1(21)Online publication date: 30-Dec-2022
https://doi.org/10.3390/fi15010021
Shaikh OUng CYang DChacon F(2022)Six Feet Apart: Online Payments During the COVID-19 PandemicProceedings of the ACM on Human-Computer Interaction10.1145/35552186:CSCW2(1-33)Online publication date: 11-Nov-2022
https://dl.acm.org/doi/10.1145/3555218
Rohanifar YSultana SHasan SChandra PAhmed S(2022)"Kabootar": Towards Informal, Trustworthy, and Community-Based FinTech for Marginalized ImmigrantsProceedings of the ACM on Human-Computer Interaction10.1145/35551096:CSCW2(1-32)Online publication date: 11-Nov-2022
https://dl.acm.org/doi/10.1145/3555109
Jain PVaranasi RDell N(2021)“Who is protecting us? No one!” Vulnerabilities Experienced by Low-Income Indian Merchants Using Digital PaymentsProceedings of the 4th ACM SIGCAS Conference on Computing and Sustainable Societies10.1145/3460112.3471961(261-274)Online publication date: 28-Jun-2021
https://dl.acm.org/doi/10.1145/3460112.3471961
Barros Pena BKursar BClarke RAlpin KHolkar MVines J(2021)"Pick Someone Who Can Kick Your Ass" - Moneywork in Financial Third Party AccessProceedings of the ACM on Human-Computer Interaction10.1145/34329174:CSCW3(1-28)Online publication date: 5-Jan-2021
https://dl.acm.org/doi/10.1145/3432917
Elsden CMorgan ESpeed CKitamura YQuigley AIsbister KIgarashi TBjørn PDrucker S(2021)Creative Transactions: Special Digital Monies in ‘Break Kickstarter’ Crowdfunding CampaignsProceedings of the 2021 CHI Conference on Human Factors in Computing Systems10.1145/3411764.3445632(1-13)Online publication date: 6-May-2021
https://dl.acm.org/doi/10.1145/3411764.3445632
Barros Pena BKursar BClarke RAlpin KHolkar MVines JKitamura YQuigley AIsbister KIgarashi TBjørn PDrucker S(2021)Financial Technologies in the Cycle of Poor Mental Health and Financial Hardship: Towards Financial CitizenshipProceedings of the 2021 CHI Conference on Human Factors in Computing Systems10.1145/3411764.3445251(1-16)Online publication date: 6-May-2021
https://dl.acm.org/doi/10.1145/3411764.3445251
Sannon SVorvoreanu MWalker KFourney A(2020)"Am I doing this all wrong?"Proceedings of the ACM on Human-Computer Interaction10.1145/34152094:CSCW2(1-28)Online publication date: 15-Oct-2020
https://dl.acm.org/doi/10.1145/3415209
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