{"id":"https://openalex.org/W2940039089","doi":"https://doi.org/10.1145/3290605.3300481","title":"Recipes for Programmable Money","display_name":"Recipes for Programmable Money","publication_year":2019,"publication_date":"2019-04-29","ids":{"openalex":"https://openalex.org/W2940039089","doi":"https://doi.org/10.1145/3290605.3300481","mag":"2940039089"},"language":"en","primary_location":{"id":"doi:10.1145/3290605.3300481","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3290605.3300481","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2019 CHI Conference on Human Factors in Computing Systems","raw_type":"proceedings-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"http://nrl.northumbria.ac.uk/id/eprint/38368/1/Elsden%20et%20al%20-%20Recipes%20for%20Programmable%20Money%20AAM.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5085047497","display_name":"Chris Elsden","orcid":"https://orcid.org/0000-0002-6311-3390"},"institutions":[{"id":"https://openalex.org/I32394136","display_name":"Northumbria University","ror":"https://ror.org/049e6bc10","country_code":"GB","type":"education","lineage":["https://openalex.org/I32394136"]}],"countries":["GB"],"is_corresponding":true,"raw_author_name":"Chris Elsden","raw_affiliation_strings":["Northumbria University, Newcastle upon Tyne, United Kingdom"],"affiliations":[{"raw_affiliation_string":"Northumbria University, Newcastle upon Tyne, United Kingdom","institution_ids":["https://openalex.org/I32394136"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5028069264","display_name":"Tom Feltwell","orcid":"https://orcid.org/0000-0003-2530-7407"},"institutions":[{"id":"https://openalex.org/I32394136","display_name":"Northumbria University","ror":"https://ror.org/049e6bc10","country_code":"GB","type":"education","lineage":["https://openalex.org/I32394136"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Tom Feltwell","raw_affiliation_strings":["Northumbria University, Newcastle upon Tyne, United Kingdom"],"affiliations":[{"raw_affiliation_string":"Northumbria University, Newcastle upon Tyne, United Kingdom","institution_ids":["https://openalex.org/I32394136"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5002467046","display_name":"Shaun Lawson","orcid":"https://orcid.org/0000-0001-8357-0727"},"institutions":[{"id":"https://openalex.org/I32394136","display_name":"Northumbria University","ror":"https://ror.org/049e6bc10","country_code":"GB","type":"education","lineage":["https://openalex.org/I32394136"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Shaun Lawson","raw_affiliation_strings":["Northumbria University, Newcastle upon Tyne, United Kingdom"],"affiliations":[{"raw_affiliation_string":"Northumbria University, Newcastle upon Tyne, United Kingdom","institution_ids":["https://openalex.org/I32394136"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5053470577","display_name":"John Vines","orcid":"https://orcid.org/0000-0003-4051-3356"},"institutions":[{"id":"https://openalex.org/I32394136","display_name":"Northumbria University","ror":"https://ror.org/049e6bc10","country_code":"GB","type":"education","lineage":["https://openalex.org/I32394136"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"John Vines","raw_affiliation_strings":["Northumbria University, Newcastle upon Tyne, United Kingdom"],"affiliations":[{"raw_affiliation_string":"Northumbria University, Newcastle upon Tyne, United Kingdom","institution_ids":["https://openalex.org/I32394136"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":4,"corresponding_author_ids":["https://openalex.org/A5085047497"],"corresponding_institution_ids":["https://openalex.org/I32394136"],"apc_list":null,"apc_paid":null,"fwci":7.0452,"has_fulltext":true,"cited_by_count":28,"citation_normalized_percentile":{"value":0.96995883,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":89,"max":99},"biblio":{"volume":null,"issue":null,"first_page":"1","last_page":"13"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10270","display_name":"Blockchain Technology Applications and Security","score":0.9976000189781189,"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/T10270","display_name":"Blockchain Technology Applications and Security","score":0.9976000189781189,"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/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9975000023841858,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"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/T12392","display_name":"Sharing Economy and Platforms","score":0.9832000136375427,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"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/automation","display_name":"Automation","score":0.6411757469177246},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6381140947341919},{"id":"https://openalex.org/keywords/mobile-banking","display_name":"Mobile banking","score":0.5822857618331909},{"id":"https://openalex.org/keywords/conditionality","display_name":"Conditionality","score":0.5153233408927917},{"id":"https://openalex.org/keywords/autonomy","display_name":"Autonomy","score":0.48699599504470825},{"id":"https://openalex.org/keywords/service","display_name":"Service (business)","score":0.4629223346710205},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.43867599964141846},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.4317505359649658},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.29752397537231445},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.24450552463531494},{"id":"https://openalex.org/keywords/engineering","display_name":"Engineering","score":0.2024689018726349},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.13185355067253113}],"concepts":[{"id":"https://openalex.org/C115901376","wikidata":"https://www.wikidata.org/wiki/Q184199","display_name":"Automation","level":2,"score":0.6411757469177246},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6381140947341919},{"id":"https://openalex.org/C2775930393","wikidata":"https://www.wikidata.org/wiki/Q1941439","display_name":"Mobile banking","level":2,"score":0.5822857618331909},{"id":"https://openalex.org/C2781205572","wikidata":"https://www.wikidata.org/wiki/Q380245","display_name":"Conditionality","level":3,"score":0.5153233408927917},{"id":"https://openalex.org/C65414064","wikidata":"https://www.wikidata.org/wiki/Q484105","display_name":"Autonomy","level":2,"score":0.48699599504470825},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.4629223346710205},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.43867599964141846},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.4317505359649658},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.29752397537231445},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.24450552463531494},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.2024689018726349},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.13185355067253113},{"id":"https://openalex.org/C94625758","wikidata":"https://www.wikidata.org/wiki/Q7163","display_name":"Politics","level":2,"score":0.0},{"id":"https://openalex.org/C78519656","wikidata":"https://www.wikidata.org/wiki/Q101333","display_name":"Mechanical engineering","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/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1145/3290605.3300481","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3290605.3300481","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the 2019 CHI Conference on Human Factors in Computing Systems","raw_type":"proceedings-article"},{"id":"pmh:oai:nrl.northumbria.ac.uk:38368","is_oa":true,"landing_page_url":null,"pdf_url":"http://nrl.northumbria.ac.uk/id/eprint/38368/1/Elsden%20et%20al%20-%20Recipes%20for%20Programmable%20Money%20AAM.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,"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":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Book Section"}],"best_oa_location":{"id":"pmh:oai:nrl.northumbria.ac.uk:38368","is_oa":true,"landing_page_url":null,"pdf_url":"http://nrl.northumbria.ac.uk/id/eprint/38368/1/Elsden%20et%20al%20-%20Recipes%20for%20Programmable%20Money%20AAM.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,"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":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Book Section"},"sustainable_development_goals":[{"score":0.5299999713897705,"display_name":"Industry, innovation and infrastructure","id":"https://metadata.un.org/sdg/9"}],"awards":[{"id":"https://openalex.org/G5534487823","display_name":null,"funder_award_id":"EP/N028198/1","funder_id":"https://openalex.org/F4320334627","funder_display_name":"Engineering and Physical Sciences Research Council"},{"id":"https://openalex.org/G8246184904","display_name":"Ox-Chain: Towards secure and trustworthy circular economies through distributed ledger technologies","funder_award_id":"EP/N028198/1","funder_id":"https://openalex.org/F4320334627","funder_display_name":"Engineering and Physical Sciences Research Council"}],"funders":[{"id":"https://openalex.org/F4320334627","display_name":"Engineering and Physical Sciences Research Council","ror":"https://ror.org/0439y7842"}],"has_content":{"pdf":true,"grobid_xml":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2940039089.pdf","grobid_xml":"https://content.openalex.org/works/W2940039089.grobid-xml"},"referenced_works_count":44,"referenced_works":["https://openalex.org/W794251153","https://openalex.org/W1520534012","https://openalex.org/W1558585115","https://openalex.org/W1596046736","https://openalex.org/W1834588469","https://openalex.org/W1969590955","https://openalex.org/W1976626507","https://openalex.org/W1979290264","https://openalex.org/W1993755359","https://openalex.org/W2016159237","https://openalex.org/W2039292963","https://openalex.org/W2045062362","https://openalex.org/W2046351627","https://openalex.org/W2061432818","https://openalex.org/W2091177731","https://openalex.org/W2107175911","https://openalex.org/W2126854653","https://openalex.org/W2151376089","https://openalex.org/W2151586234","https://openalex.org/W2251458588","https://openalex.org/W2289630841","https://openalex.org/W2342042672","https://openalex.org/W2399248522","https://openalex.org/W2507646065","https://openalex.org/W2518442155","https://openalex.org/W2605367183","https://openalex.org/W2618410257","https://openalex.org/W2622769177","https://openalex.org/W2624156815","https://openalex.org/W2751112391","https://openalex.org/W2767914633","https://openalex.org/W2771260564","https://openalex.org/W2782539779","https://openalex.org/W2788138100","https://openalex.org/W2795403234","https://openalex.org/W2795937697","https://openalex.org/W2796158690","https://openalex.org/W2883180215","https://openalex.org/W2894996246","https://openalex.org/W2899245065","https://openalex.org/W3022339544","https://openalex.org/W3146276587","https://openalex.org/W4242726877","https://openalex.org/W4252354300"],"related_works":["https://openalex.org/W2506747943","https://openalex.org/W2754156760","https://openalex.org/W3195880589","https://openalex.org/W560870037","https://openalex.org/W4256446580","https://openalex.org/W2743137128","https://openalex.org/W2609502814","https://openalex.org/W2166231944","https://openalex.org/W2153050611","https://openalex.org/W2921639301"],"abstract_inverted_index":{"This":[0,27],"paper":[1],"presents":[2],"a":[3,11],"qualitative":[4],"study":[5],"of":[6,10,32,51,62,79,88,103,109,124,131,136,144],"the":[7,21,47,107,122,134],"recent":[8],"integration":[9],"UK-based,":[12],"digital-first":[13],"mobile":[14],"banking":[15,89,127,132],"app":[16],"-":[17,19],"Monzo":[18,39],"with":[20],"web":[22],"automation":[23,82],"service":[24],"IFTTT":[25,35],"(If":[26],"Then":[28],"That).":[29],"Through":[30],"analysis":[31],"113":[33],"unique":[34],"'recipes'":[36],"shared":[37],"by":[38],"users":[40],"on":[41],"public":[42],"community":[43],"forums,":[44],"we":[45,72,117],"illustrate":[46],"potentially":[48],"diverse":[49],"functions":[50,87],"these":[52,95],"recipes,":[53],"and":[54,68,76,81,91,101,112,138,141],"how":[55],"they":[56],"are":[57],"achieved":[58],"through":[59],"different":[60],"kinds":[61],"automation.":[63],"Beyond":[64],"achieving":[65],"more":[66],"convenient":[67],"efficient":[69],"financial":[70,114,145],"management,":[71],"note":[73],"many":[74],"playful":[75],"expressive":[77],"applications":[78,90],"conditionality":[80],"that":[83],"far":[84],"extend":[85],"traditional":[86],"infrastructure.":[92],"We":[93],"use":[94],"findings":[96],"to":[97],"map":[98],"opportunities,":[99],"challenges":[100],"areas":[102],"future":[104,142],"research":[105],"in":[106],"development":[108],"'programmable":[110],"money'":[111],"related":[113],"technologies.":[115],"Specifically,":[116],"present":[118],"design":[119],"implications":[120],"for":[121],"extension":[123],"native":[125],"digital":[126],"applications;":[128],"novel":[129],"uses":[130],"data;":[133],"applicability":[135],"blockchains":[137],"smart":[139],"contracts;":[140],"forms":[143],"autonomy.":[146]},"counts_by_year":[{"year":2025,"cited_by_count":3},{"year":2024,"cited_by_count":4},{"year":2023,"cited_by_count":1},{"year":2022,"cited_by_count":9},{"year":2021,"cited_by_count":8},{"year":2020,"cited_by_count":1},{"year":2019,"cited_by_count":2}],"updated_date":"2026-04-05T17:49:38.594831","created_date":"2025-10-10T00:00:00"}
