Everyday Digital Money workshop at UC Irvine

The Department of Anthropology at the University of California at Irvine recently organised a workshop on innovation in digital money, entitled Everyday Digital Money.

The workshop examined this emerging, complex, and unevenly distributed landscape of digital money innovation from cultural, psychological, legal, artistic, technological, and industrial perspectives, in order to identify key topics for future research within and across disciplines; such as:

• M-banking, m-payment, and electronic remittance systems
• Design tradeoffs; e.g., security/accountability vs. accessibility/empowerment
• Financial literacies and numeracies
• Regulatory conflicts and opportunities
• Formal and informal experimentation with new electronic moneys
• Connections to physical and virtual mobilities

The workshop blog contains a lot of materials, including the presentation abstracts of each of the sessions:

• Opening keynote: Money in the Digital Revolution by Professor Keith Hart (Goldsmith’s College and author of the book “The Memory Bank: Money in an Unequal World” – make sure to check out his very rich informational blog)
• Session 1: Alternative monies – contributors: Hugo Godschalk (PaySys Consultancy), Peter Etherden (CESC.net), and Michael Linton (Open Money)
• Session 2: Credit and debit cards – contributors: Hélène Ducourant (University of Lille I), Timothy de Waal Malefyt (BBDO & Parsons, The New School for Design), and Allison Truitt (Tulane University)
• Session 3: Innovation design and adoption – contributors: Jan Ondrus (ESSEC Business School), Tapan S. Parikh, Jenna Burrell, and Coye Cheshire (UC Berkeley), and Kazi Huque and Narayan Sundararajan (Grameen-Intel)
• Panel discussion with Julia Elyachar (Professor of Anthropology, UC Irvine), Amolo Ng’weno (Senior Program Officer, The Bill and Melinda Gates Foundation) and Paul Thomas (Chief Economist, Intel)
• Session 4: Online money – contributors: Prashant Dewan and David Durham (Intel), Subhashini Ganapathy, Delbert Marsh, and Glen J. Anderson (Intel), and Bruce Davis (Freemarket)
• Session 5: Designing new experiences – contributors: Daisy Ginsberg (Royal College of Art) and Wendy March (Intel), and Scott Mainwaring (Intel) and Camellia George (California College of the Arts)
• Session 6: Mobile payments and transfers – contributors: Charles Bassey (Central Bank of Nigeria), Jenna Burrell (UC Berkeley), Olga Morawczynski (University of Edinburgh), and David Pedersen (UC San Diego)
• Closing keynote: Re-examining M-banking: Linking Adoption, Impact, and Use by Jonathan Donner (Microsoft Research India)

Some papers and presentation slides are available on various websites, including

• Money 2.0 by Michael Linton (Open Money)
• Why mobile payments fail? An analysis of the Swiss case by Jan Ondrus (ESSEC Business School)
• Facilitating richer exchanges using mobile technologies by Tapan S. Parikh, Jenna Burrell, and Coye Cheshire (UC Berkeley)
• Why alternative monies? by Paul Thomas (Chief Economist, Intel)
• Social life of money by Bruce Davis (Freemarket)
• Digital money in a digitally divided world: nature, challenges and prospects of ePayment systems in Africa by Charles Bassey (Central Bank of Nigeria)
• Examining the Adoption and Usage of m-banking: The Case of M-PESA in Kenya by Olga Morawczynski (University of Edinburgh) – related paper
• Re-examining M-banking: Linking Adoption, Impact, and Use by Jonathan Donner (Microsoft Research India) – related paper

Further browsing unearthed additional resources such as:

• Book: Money – Ethnographic encounters edited by Stefan Senders and Allison Truitt
• Exhibition: The Anthropology of Money in Southern California
• Presentation: Getting the Numbers Straight: Mobile Phone Usage Explained, a presentation by Tino Kreutzer on patterns of mobile/mobile internet use among low-income teens in urban Cape Town
• Presentations: Mobile use by micro and small enterprises; Bending ‘the rules of beeping’ for social marketing (miss calls); and M-banking/M-payments for social impact by Jonathan Donner (make sure to check out his excellent blog)
• Project: SeeShell
• Resources: Links and Glossary on Everyday Digital Money blog