{"id":"https://openalex.org/W2909663189","doi":null,"title":"Exploring payday loan consumers\u2019 lived experience of managing money","display_name":"Exploring payday loan consumers\u2019 lived experience of managing money","publication_year":2018,"publication_date":"2018-01-01","ids":{"openalex":"https://openalex.org/W2909663189","mag":"2909663189"},"language":"en","primary_location":{"id":"pmh:oai:nrl.northumbria.ac.uk:36851","doi":null,"is_oa":false,"landing_page_url":"http://nrl.northumbria.ac.uk/id/eprint/36851/1/brown.jane_phd.pdf","pdf_url":"http://nrl.northumbria.ac.uk/id/eprint/36851/1/brown.jane_phd.pdf","source":{"id":"https://openalex.org/S4306401884","display_name":"Northumbria Research Link (Northumbria University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I32394136","host_organization_name":"Northumbria University","host_organization_lineage":["https://openalex.org/I32394136"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":"","raw_type":"Thesis"},"volume":null,"type":"dissertation","indexed_in":[],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5038785999","display_name":"Jane D. Brown","orcid":"https://orcid.org/0000-0002-5529-8727","observed_orcids":["https://orcid.org/0000-0002-5529-8727"]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"Jane D. Brown","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0000-0002-5529-8727","affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5038785999"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.5713000297546387,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.5713000297546387,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.267300009727478,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13744","display_name":"Financial Literacy and Behavior","score":0.053599998354911804,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/payday-loans","display_name":"payday loans","score":0.9950000047683716},{"id":"https://openalex.org/keywords/purchase-decision","display_name":"purchase decision","score":0.8730000257492065},{"id":"https://openalex.org/keywords/financial-decision-making","display_name":"financial decision-making","score":0.8180000185966492},{"id":"https://openalex.org/keywords/lived-experience","display_name":"lived experience","score":0.531000018119812},{"id":"https://openalex.org/keywords/sources-of-credit","display_name":"sources of credit","score":0.6470000147819519},{"id":"https://openalex.org/keywords/consumer-protection","display_name":"consumer protection","score":0.5109999775886536}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.7920104265213013},{"id":"https://openalex.org/C2776215170","wikidata":"https://www.wikidata.org/wiki/Q5373820","display_name":"Emotive","level":2,"score":0.6339776515960693},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.6104686260223389},{"id":"https://openalex.org/C74196892","wikidata":"https://www.wikidata.org/wiki/Q7781188","display_name":"Thematic analysis","level":3,"score":0.5406515002250671},{"id":"https://openalex.org/C127882523","wikidata":"https://www.wikidata.org/wiki/Q38066","display_name":"Existentialism","level":2,"score":0.5231736302375793},{"id":"https://openalex.org/C3019221131","wikidata":"https://www.wikidata.org/wiki/Q55621107","display_name":"Lived experience","level":2,"score":0.4576299786567688},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.42971423268318176},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.3261442184448242},{"id":"https://openalex.org/C190248442","wikidata":"https://www.wikidata.org/wiki/Q839486","display_name":"Qualitative research","level":2,"score":0.3195143938064575},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.263774573802948},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.22165343165397644},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.1859753429889679},{"id":"https://openalex.org/C36289849","wikidata":"https://www.wikidata.org/wiki/Q34749","display_name":"Social science","level":1,"score":0.11763173341751099},{"id":"https://openalex.org/C542102704","wikidata":"https://www.wikidata.org/wiki/Q183257","display_name":"Psychotherapist","level":1,"score":0.10159465670585632},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.097464919090271},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.09367421269416809},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C19165224","wikidata":"https://www.wikidata.org/wiki/Q23404","display_name":"Anthropology","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"pmh:oai:nrl.northumbria.ac.uk:36851","doi":null,"is_oa":false,"landing_page_url":"http://nrl.northumbria.ac.uk/id/eprint/36851/1/brown.jane_phd.pdf","pdf_url":"http://nrl.northumbria.ac.uk/id/eprint/36851/1/brown.jane_phd.pdf","source":{"id":"https://openalex.org/S4306401884","display_name":"Northumbria Research Link (Northumbria University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I32394136","host_organization_name":"Northumbria University","host_organization_lineage":["https://openalex.org/I32394136"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"acceptedVersion","is_accepted":true,"is_published":false,"raw_source_name":"","raw_type":"Thesis"},{"id":"mag:2909663189","doi":null,"is_oa":false,"landing_page_url":"http://nrl.northumbria.ac.uk/36851/","pdf_url":null,"source":null,"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":null}],"best_oa_location":null,"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W647050977","https://openalex.org/W7099778643","https://openalex.org/W4240466671","https://openalex.org/W2608758376","https://openalex.org/W2261841242","https://openalex.org/W2973916545","https://openalex.org/W2113866495","https://openalex.org/W7128718478","https://openalex.org/W2884963596","https://openalex.org/W2330741517"],"abstract_inverted_index":{"This":[0,125,249],"thesis":[1],"explores":[2,219],"UK":[3],"payday":[4,56,64,134,161,246,268],"loan":[5,57,65,135,162,247,269],"consumers\u2019":[6],"lived":[7,158],"experience":[8,159],"of":[9,47,52,88,101,142,160,189,202,262],"managing":[10],"money,":[11],"to":[12,30,73,117,128,131,155,256],"better":[13,257],"understand":[14,258],"financial":[15,260],"decisions":[16,243,261],"made":[17,244],"by":[18,55,76,245],"indebted":[19],"individuals.":[20],"Payday":[21],"loans":[22],"offer":[23],"a":[24,33,169,216],"high":[25],"cost,":[26],"short-term":[27],"credit":[28,192,203],"solution":[29],"individuals":[31],"without":[32],"savings":[34],"safety":[35],"net.":[36],"Recent":[37],"legislation":[38],"has":[39],"improved":[40],"lender":[41],"behaviour,":[42],"and":[43,111,120,137,149,181,254,273],"reduced":[44],"the":[45,50,99,139,157,210,230,242,259],"size":[46],"market.":[48],"However,":[49,104],"number":[51],"complaints":[53],"logged":[54],"users":[58,66],"remains":[59],"high.":[60],"Scant":[61],"research":[62,90,126],"regarding":[63],"is":[67,91,96,250],"available;":[68],"that":[69,173,218],"which":[70,114,200],"exists":[71],"tends":[72,107],"be":[74],"commissioned":[75],"lenders":[77,253],"or":[78,82],"consumer":[79,92,102],"protection":[80],"groups,":[81],"US-based.":[83],"\\n":[84,146,185,223],"\\nThe":[85,224],"theoretical":[86],"domain":[87],"this":[89,105],"decision-making":[93],"(CD-M).":[94],"CD-M":[95,236],"theorised":[97],"within":[98,229],"field":[100,106],"behaviour.":[103],"towards":[108],"an":[109,176],"economic":[110],"rational":[112],"underpinning,":[113],"often":[115],"fails":[116],"take":[118],"context":[119,141],"emotive":[121],"state":[122],"into":[123],"account.":[124],"aims":[127],"give":[129],"voice":[130],"real":[132],"life":[133],"users,":[136],"consider":[138],"wider":[140],"emotions":[143],"in":[144,232],"CD-M.":[145],"\\nExistential-phenomenological":[147],"interviews":[148],"participant-generated":[150],"Post-it\u00ae":[151],"models":[152],"were":[153],"used":[154],"explore":[156],"consumers.":[163,248],"The":[164],"data":[165],"was":[166,194],"analysed":[167],"using":[168],"customised,":[170],"innovative":[171],"method":[172],"draws":[174],"upon":[175],"existential-phenomenological":[177],"analysis,":[178,180],"thematic":[179],"voice-centred":[182],"relational":[183],"method.":[184],"\\nAn":[186],"original":[187],"model":[188],"movement":[190,208],"around":[191],"sources":[193],"created,":[195],"identifying":[196],"several":[197,227],"orbits":[198,211],"on":[199],"groups":[201],"products":[204],"exist.":[205],"Reasons":[206],"for":[207,252,266],"between":[209],"are":[212],"also":[213],"explored,":[214],"with":[215,264],"chapter":[217],"borrowing":[220],"at":[221],"Christmas.":[222],"findings":[225],"address":[226],"issues":[228],"literature,":[231],"particular":[233],"where":[234],"traditional":[235],"theory":[237],"does":[238],"not":[239],"adequately":[240],"explain":[241],"important":[251],"policymakers":[255],"consumers,":[263],"implications":[265],"future":[267],"policy,":[270],"business":[271],"strategy":[272],"communications.":[274]},"counts_by_year":[],"updated_date":"2026-09-04T10:56:28.161419","created_date":"2019-01-25T00:00:00"}