{"id":"https://openalex.org/W2987376566","doi":"https://doi.org/10.1145/3274304","title":"Towards Digitization of Collaborative Savings Among Low-Income Groups","display_name":"Towards Digitization of Collaborative Savings Among Low-Income Groups","publication_year":2019,"publication_date":"2019-11-07","ids":{"openalex":"https://openalex.org/W2987376566","doi":"https://doi.org/10.1145/3274304","mag":"2987376566"},"language":"en","primary_location":{"id":"doi:10.1145/3274304","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3274304","pdf_url":null,"source":{"id":"https://openalex.org/S4210183893","display_name":"Proceedings of the ACM on Human-Computer Interaction","issn_l":"2573-0142","issn":["2573-0142"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319798","host_organization_name":"Association for Computing Machinery","host_organization_lineage":["https://openalex.org/P4310319798"],"host_organization_lineage_names":["Association for Computing Machinery"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the ACM on Human-Computer Interaction","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"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/A5069671065","display_name":"Hamid Mehmood","orcid":"https://orcid.org/0000-0002-9826-1924"},"institutions":[{"id":"https://openalex.org/I1323252656","display_name":"Information Technology University","ror":"https://ror.org/00ngv8j44","country_code":"PK","type":"education","lineage":["https://openalex.org/I1323252656"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Hamid Mehmood","raw_affiliation_strings":["Information Technology University, Lahore, Pakistan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Information Technology University, Lahore, Pakistan","institution_ids":["https://openalex.org/I1323252656"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5088128096","display_name":"Tallal Ahmad","orcid":"https://orcid.org/0000-0001-6955-3680"},"institutions":[{"id":"https://openalex.org/I1323252656","display_name":"Information Technology University","ror":"https://ror.org/00ngv8j44","country_code":"PK","type":"education","lineage":["https://openalex.org/I1323252656"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Tallal Ahmad","raw_affiliation_strings":["Information Technology University, Lahore, Pakistan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Information Technology University, Lahore, Pakistan","institution_ids":["https://openalex.org/I1323252656"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5017949568","display_name":"Lubna Razaq","orcid":"https://orcid.org/0000-0002-0020-2804"},"institutions":[{"id":"https://openalex.org/I1323252656","display_name":"Information Technology University","ror":"https://ror.org/00ngv8j44","country_code":"PK","type":"education","lineage":["https://openalex.org/I1323252656"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Lubna Razaq","raw_affiliation_strings":["Information Technology University, Lahore, Pakistan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Information Technology University, Lahore, Pakistan","institution_ids":["https://openalex.org/I1323252656"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5068346842","display_name":"Shrirang Mare","orcid":null},"institutions":[{"id":"https://openalex.org/I201448701","display_name":"University of Washington","ror":"https://ror.org/00cvxb145","country_code":"US","type":"education","lineage":["https://openalex.org/I201448701"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Shrirang Mare","raw_affiliation_strings":["University of Washington, Seattle, WA, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Washington, Seattle, WA, USA","institution_ids":["https://openalex.org/I201448701"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5081110411","display_name":"Maryem Zafar Usmani","orcid":null},"institutions":[{"id":"https://openalex.org/I1323252656","display_name":"Information Technology University","ror":"https://ror.org/00ngv8j44","country_code":"PK","type":"education","lineage":["https://openalex.org/I1323252656"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Maryem Zafar Usmani","raw_affiliation_strings":["Information Technology University, Lahore, Pakistan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Information Technology University, Lahore, Pakistan","institution_ids":["https://openalex.org/I1323252656"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5076685799","display_name":"Richard Anderson","orcid":"https://orcid.org/0000-0002-7283-7219"},"institutions":[{"id":"https://openalex.org/I201448701","display_name":"University of Washington","ror":"https://ror.org/00cvxb145","country_code":"US","type":"education","lineage":["https://openalex.org/I201448701"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Richard Anderson","raw_affiliation_strings":["University of Washington, Seattle, WA, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Washington, Seattle, WA, USA","institution_ids":["https://openalex.org/I201448701"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5038004767","display_name":"Agha Ali Raza","orcid":"https://orcid.org/0000-0003-0124-9783"},"institutions":[{"id":"https://openalex.org/I1323252656","display_name":"Information Technology University","ror":"https://ror.org/00ngv8j44","country_code":"PK","type":"education","lineage":["https://openalex.org/I1323252656"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Agha Ali Raza","raw_affiliation_strings":["Information Technology University, Lahore, Punjab, Pakistan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Information Technology University, Lahore, Punjab, Pakistan","institution_ids":["https://openalex.org/I1323252656"]}]}],"institutions":[],"countries_distinct_count":2,"institutions_distinct_count":7,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":2.4687,"has_fulltext":false,"cited_by_count":27,"citation_normalized_percentile":{"value":0.91672298,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":95,"max":99},"biblio":{"volume":"3","issue":"CSCW","first_page":"1","last_page":"30"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13194","display_name":"ICT in Developing Communities","score":0.9998000264167786,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},"topics":[{"id":"https://openalex.org/T13194","display_name":"ICT in Developing Communities","score":0.9998000264167786,"subfield":{"id":"https://openalex.org/subfields/1710","display_name":"Information Systems"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9921000003814697,"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/T11478","display_name":"Caching and Content Delivery","score":0.9678999781608582,"subfield":{"id":"https://openalex.org/subfields/1705","display_name":"Computer Networks and Communications"},"field":{"id":"https://openalex.org/fields/17","display_name":"Computer Science"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/unbanked","display_name":"Unbanked","score":0.9093242287635803},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"Financial inclusion","score":0.80375736951828},{"id":"https://openalex.org/keywords/mobile-payment","display_name":"Mobile payment","score":0.795868992805481},{"id":"https://openalex.org/keywords/digitization","display_name":"Digitization","score":0.660555899143219},{"id":"https://openalex.org/keywords/payment","display_name":"Payment","score":0.5537207126617432},{"id":"https://openalex.org/keywords/popularity","display_name":"Popularity","score":0.5498656034469604},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.5248575210571289},{"id":"https://openalex.org/keywords/context","display_name":"Context (archaeology)","score":0.49051588773727417},{"id":"https://openalex.org/keywords/microfinance","display_name":"Microfinance","score":0.46621543169021606},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.4613966643810272},{"id":"https://openalex.org/keywords/globe","display_name":"Globe","score":0.4459091126918793},{"id":"https://openalex.org/keywords/mobile-device","display_name":"Mobile device","score":0.4424680471420288},{"id":"https://openalex.org/keywords/android","display_name":"Android (operating system)","score":0.43216240406036377},{"id":"https://openalex.org/keywords/financial-transaction","display_name":"Financial transaction","score":0.4149243235588074},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.30463287234306335},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.29772910475730896},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.2807835340499878},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.19834700226783752},{"id":"https://openalex.org/keywords/economic-growth","display_name":"Economic growth","score":0.16658955812454224},{"id":"https://openalex.org/keywords/geography","display_name":"Geography","score":0.1358981430530548},{"id":"https://openalex.org/keywords/political-science","display_name":"Political science","score":0.13186755776405334},{"id":"https://openalex.org/keywords/telecommunications","display_name":"Telecommunications","score":0.12166056036949158},{"id":"https://openalex.org/keywords/database","display_name":"Database","score":0.1201246976852417},{"id":"https://openalex.org/keywords/psychology","display_name":"Psychology","score":0.09438428282737732}],"concepts":[{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.9093242287635803},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.80375736951828},{"id":"https://openalex.org/C160949748","wikidata":"https://www.wikidata.org/wiki/Q1365703","display_name":"Mobile payment","level":3,"score":0.795868992805481},{"id":"https://openalex.org/C2779308522","wikidata":"https://www.wikidata.org/wiki/Q843958","display_name":"Digitization","level":2,"score":0.660555899143219},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.5537207126617432},{"id":"https://openalex.org/C2780586970","wikidata":"https://www.wikidata.org/wiki/Q1357284","display_name":"Popularity","level":2,"score":0.5498656034469604},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.5248575210571289},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.49051588773727417},{"id":"https://openalex.org/C28129649","wikidata":"https://www.wikidata.org/wiki/Q926217","display_name":"Microfinance","level":2,"score":0.46621543169021606},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.4613966643810272},{"id":"https://openalex.org/C2775899829","wikidata":"https://www.wikidata.org/wiki/Q3109007","display_name":"Globe","level":2,"score":0.4459091126918793},{"id":"https://openalex.org/C186967261","wikidata":"https://www.wikidata.org/wiki/Q5082128","display_name":"Mobile device","level":2,"score":0.4424680471420288},{"id":"https://openalex.org/C557433098","wikidata":"https://www.wikidata.org/wiki/Q94","display_name":"Android (operating system)","level":2,"score":0.43216240406036377},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.4149243235588074},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.30463287234306335},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.29772910475730896},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.2807835340499878},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.19834700226783752},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.16658955812454224},{"id":"https://openalex.org/C205649164","wikidata":"https://www.wikidata.org/wiki/Q1071","display_name":"Geography","level":0,"score":0.1358981430530548},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.13186755776405334},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.12166056036949158},{"id":"https://openalex.org/C77088390","wikidata":"https://www.wikidata.org/wiki/Q8513","display_name":"Database","level":1,"score":0.1201246976852417},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.09438428282737732},{"id":"https://openalex.org/C111919701","wikidata":"https://www.wikidata.org/wiki/Q9135","display_name":"Operating system","level":1,"score":0.0},{"id":"https://openalex.org/C169760540","wikidata":"https://www.wikidata.org/wiki/Q207011","display_name":"Neuroscience","level":1,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C75949130","wikidata":"https://www.wikidata.org/wiki/Q848010","display_name":"Database transaction","level":2,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3274304","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3274304","pdf_url":null,"source":{"id":"https://openalex.org/S4210183893","display_name":"Proceedings of the ACM on Human-Computer Interaction","issn_l":"2573-0142","issn":["2573-0142"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310319798","host_organization_name":"Association for Computing Machinery","host_organization_lineage":["https://openalex.org/P4310319798"],"host_organization_lineage_names":["Association for Computing Machinery"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the ACM on Human-Computer Interaction","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.7400000095367432,"display_name":"Reduced inequalities","id":"https://metadata.un.org/sdg/10"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":48,"referenced_works":["https://openalex.org/W12459676","https://openalex.org/W156540695","https://openalex.org/W1495577759","https://openalex.org/W1546375055","https://openalex.org/W1967755496","https://openalex.org/W1978970834","https://openalex.org/W1984997401","https://openalex.org/W1988906344","https://openalex.org/W1991164020","https://openalex.org/W1993705273","https://openalex.org/W1997922838","https://openalex.org/W2015143364","https://openalex.org/W2020407864","https://openalex.org/W2045059455","https://openalex.org/W2045062362","https://openalex.org/W2062620634","https://openalex.org/W2063348869","https://openalex.org/W2064146842","https://openalex.org/W2079583238","https://openalex.org/W2100151099","https://openalex.org/W2104652891","https://openalex.org/W2109469951","https://openalex.org/W2118549945","https://openalex.org/W2125114727","https://openalex.org/W2125482288","https://openalex.org/W2138350998","https://openalex.org/W2139894829","https://openalex.org/W2151329294","https://openalex.org/W2152805860","https://openalex.org/W2153130747","https://openalex.org/W2154457496","https://openalex.org/W2166887909","https://openalex.org/W2347089294","https://openalex.org/W2768569622","https://openalex.org/W2771037979","https://openalex.org/W2771260564","https://openalex.org/W2772709978","https://openalex.org/W2795403234","https://openalex.org/W2808734796","https://openalex.org/W2809213264","https://openalex.org/W2899475854","https://openalex.org/W2963144337","https://openalex.org/W3122626903","https://openalex.org/W3142833126","https://openalex.org/W3144739221","https://openalex.org/W4252354300","https://openalex.org/W4297665325","https://openalex.org/W4299589823"],"related_works":["https://openalex.org/W4226318555","https://openalex.org/W2492263259","https://openalex.org/W4205864823","https://openalex.org/W2975630090","https://openalex.org/W3209195986","https://openalex.org/W3125083267","https://openalex.org/W4234933781","https://openalex.org/W4230864500","https://openalex.org/W2289831954","https://openalex.org/W3132004844"],"abstract_inverted_index":{"Rotating":[0],"Savings":[1],"and":[2,23,31,84,143,156],"Credit":[3],"Association":[4],"(ROSCA)":[5],"is":[6,14,26],"a":[7,72,96,105],"mechanism":[8],"of":[9,82,104,124,158,165],"informal":[10],"collaborative":[11],"savings":[12],"that":[13,136,170],"widely":[15],"used":[16,173],"across":[17],"the":[18,45,80,90,139,163],"globe.":[19],"Despite":[20],"its":[21,125],"popularity":[22],"prevalence,":[24],"it":[25],"not":[27,60],"well-studied":[28],"from":[29],"HCI":[30],"CSCW":[32],"perspectives.":[33],"The":[34,110],"global":[35],"increase":[36],"in":[37,89],"mobile":[38,107],"penetration":[39],"has":[40,138],"created":[41],"opportunities":[42,85],"to":[43,78,114,141,174],"serve":[44],"unbanked":[46],"using":[47],"mobile-based":[48],"Digital":[49,98],"Financial":[50],"Services":[51],"(DFS)":[52],"for":[53,86,168],"greater":[54],"financial":[55,177],"inclusion":[56],"but":[57],"there":[58],"have":[59],"been":[61],"any":[62],"DFS-based":[63],"interventions":[64],"around":[65],"ROSCAs.":[66],"In":[67],"this":[68],"paper,":[69],"we":[70],"report":[71],"qualitative":[73,122],"study":[74],"involving":[75],"80":[76],"individuals":[77,169],"understand":[79],"dynamics":[81],"ROSCAs":[83,146],"their":[87,176],"digitization":[88,137],"Pakistani":[91],"context.":[92],"We":[93,120,134],"also":[94,161],"present":[95,121],"smartphone-based":[97],"ROSCA":[99,132],"platform":[100,111],"designed":[101,113],"on":[102],"top":[103],"simulated":[106],"money":[108],"system.":[109],"was":[112],"be":[115,172],"inclusive":[116],"towards":[117],"low-literate":[118],"users.":[119],"findings":[123],"evaluation":[126],"with":[127],"15":[128],"users":[129],"(3":[130],"individual":[131],"groups).":[133],"find":[135],"potential":[140],"support":[142],"strengthen":[144],"traditional":[145],"by":[147],"mitigating":[148],"issues":[149],"like":[150],"record-keeping,":[151],"delayed":[152],"payments,":[153],"collection,":[154],"distribution,":[155],"safety":[157],"money.":[159],"It":[160],"allows":[162],"creation":[164],"payment":[166],"history":[167],"can":[171],"score":[175],"credibility.":[178]},"counts_by_year":[{"year":2026,"cited_by_count":4},{"year":2025,"cited_by_count":6},{"year":2024,"cited_by_count":6},{"year":2023,"cited_by_count":4},{"year":2022,"cited_by_count":4},{"year":2021,"cited_by_count":3}],"updated_date":"2026-06-11T09:08:48.828518","created_date":"2025-10-10T00:00:00"}