{"id":"https://openalex.org/W4225116403","doi":"https://doi.org/10.1145/3491101.3516507","title":"Platformisation of Digital Financial Services (DFS): The Journey of DFS in the Global North and Global South","display_name":"Platformisation of Digital Financial Services (DFS): The Journey of DFS in the Global North and Global South","publication_year":2022,"publication_date":"2022-04-27","ids":{"openalex":"https://openalex.org/W4225116403","doi":"https://doi.org/10.1145/3491101.3516507"},"language":"en","primary_location":{"id":"doi:10.1145/3491101.3516507","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3491101.3516507","pdf_url":null,"source":{"id":"https://openalex.org/S4363607762","display_name":"CHI Conference on Human Factors in Computing Systems Extended Abstracts","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"CHI Conference on Human Factors in Computing Systems Extended Abstracts","raw_type":"proceedings-article"},"type":"conference-paper","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/A5061959915","display_name":"Pranjal Jain","orcid":"https://orcid.org/0000-0003-0204-0092"},"institutions":[{"id":"https://openalex.org/I39586589","display_name":"Swansea University","ror":"https://ror.org/053fq8t95","country_code":"GB","type":"education","lineage":["https://openalex.org/I39586589"]},{"id":"https://openalex.org/I4210145166","display_name":"Foundry (United Kingdom)","ror":"https://ror.org/03f1b8d27","country_code":"GB","type":"company","lineage":["https://openalex.org/I4210145166"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Pranjal Jain","raw_affiliation_strings":["Computational Foundry, Swansea University, United Kingdom"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Computational Foundry, Swansea University, United Kingdom","institution_ids":["https://openalex.org/I39586589","https://openalex.org/I4210145166"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5089709404","display_name":"Alex Jordan Blandin","orcid":null},"institutions":[{"id":"https://openalex.org/I39586589","display_name":"Swansea University","ror":"https://ror.org/053fq8t95","country_code":"GB","type":"education","lineage":["https://openalex.org/I39586589"]},{"id":"https://openalex.org/I4210145166","display_name":"Foundry (United Kingdom)","ror":"https://ror.org/03f1b8d27","country_code":"GB","type":"company","lineage":["https://openalex.org/I4210145166"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Alex Jordan Blandin","raw_affiliation_strings":["Computational Foundry, Swansea University, United Kingdom"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Computational Foundry, Swansea University, United Kingdom","institution_ids":["https://openalex.org/I39586589","https://openalex.org/I4210145166"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5015408956","display_name":"Jacki O\u2019Neill","orcid":"https://orcid.org/0000-0002-3065-0579"},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Jacki O'Neill","raw_affiliation_strings":["Microsoft Africa Research, Kenya"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Microsoft Africa Research, Kenya","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5085679994","display_name":"Mark Perry","orcid":"https://orcid.org/0000-0003-1573-1255"},"institutions":[{"id":"https://openalex.org/I59433898","display_name":"Brunel University of London","ror":"https://ror.org/00dn4t376","country_code":"GB","type":"education","lineage":["https://openalex.org/I124357947","https://openalex.org/I59433898"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Mark Perry","raw_affiliation_strings":["Department of Computer Science, Brunel University London, United Kingdom"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Computer Science, Brunel University London, United Kingdom","institution_ids":["https://openalex.org/I59433898"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5079419372","display_name":"Samia Ibtasam","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":"Samia Ibtasam","raw_affiliation_strings":["Paul G. Allen School of Computer Science & Engineering, University of Washington, United States"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Paul G. Allen School of Computer Science & Engineering, University of Washington, United States","institution_ids":["https://openalex.org/I201448701"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5087575619","display_name":"Suleman Shahid","orcid":"https://orcid.org/0000-0001-9951-3188"},"institutions":[{"id":"https://openalex.org/I207789805","display_name":"Lahore University of Management Sciences","ror":"https://ror.org/05b5x4a35","country_code":"PK","type":"education","lineage":["https://openalex.org/I207789805"]}],"countries":["PK"],"is_corresponding":false,"raw_author_name":"Suleman Shahid","raw_affiliation_strings":["CS Department, Lahore University of Management Sciences, Pakistan"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"CS Department, Lahore University of Management Sciences, Pakistan","institution_ids":["https://openalex.org/I207789805"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5015822050","display_name":"Beni Chugh","orcid":null},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Beni Chugh","raw_affiliation_strings":["Dvara Research, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Dvara Research, India","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5109448026","display_name":"David Sullivan","orcid":null},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"David Sullivan","raw_affiliation_strings":["Starling Bank, United Kingdom"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Starling Bank, United Kingdom","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5057612173","display_name":"Helo\u00edsa Candello","orcid":"https://orcid.org/0000-0002-0365-8057"},"institutions":[{"id":"https://openalex.org/I4210113516","display_name":"IBM Research - Brazil","ror":"https://ror.org/01fxqdx25","country_code":"BR","type":"facility","lineage":["https://openalex.org/I1341412227","https://openalex.org/I4210113516","https://openalex.org/I4210114115"]}],"countries":["BR"],"is_corresponding":false,"raw_author_name":"Heloisa Candello","raw_affiliation_strings":["IBM Research, Brazil"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"IBM Research, Brazil","institution_ids":["https://openalex.org/I4210113516"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5000342020","display_name":"James W. Pomeroy","orcid":"https://orcid.org/0000-0003-3443-8759"},"institutions":[{"id":"https://openalex.org/I24190266","display_name":"HSBC Holdings","ror":"https://ror.org/02ygdtt22","country_code":"GB","type":"other","lineage":["https://openalex.org/I24190266"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"James Pomeroy","raw_affiliation_strings":["HSBC, United Kingdom"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"HSBC, United Kingdom","institution_ids":["https://openalex.org/I24190266"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5061517523","display_name":"Rajat Jain","orcid":"https://orcid.org/0000-0003-0453-5574"},"institutions":[{"id":"https://openalex.org/I114602248","display_name":"Bharat Electronics (India)","ror":"https://ror.org/00edfym28","country_code":"IN","type":"company","lineage":["https://openalex.org/I114602248"]}],"countries":["IN"],"is_corresponding":false,"raw_author_name":"Rajat Jain","raw_affiliation_strings":["Bharat Pe, India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Bharat Pe, India","institution_ids":["https://openalex.org/I114602248"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5082167152","display_name":"Robert A. Dowd","orcid":null},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Robert Dowd","raw_affiliation_strings":["Yimba, United Kingdom"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Yimba, United Kingdom","institution_ids":[]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5066197582","display_name":"Matt Roach","orcid":null},"institutions":[{"id":"https://openalex.org/I39586589","display_name":"Swansea University","ror":"https://ror.org/053fq8t95","country_code":"GB","type":"education","lineage":["https://openalex.org/I39586589"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Matt Roach","raw_affiliation_strings":["Computer Science, Swansea University, United Kingdom"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Computer Science, Swansea University, United Kingdom","institution_ids":["https://openalex.org/I39586589"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5101746140","display_name":"Matt Jones","orcid":"https://orcid.org/0000-0001-7657-7373"},"institutions":[{"id":"https://openalex.org/I39586589","display_name":"Swansea University","ror":"https://ror.org/053fq8t95","country_code":"GB","type":"education","lineage":["https://openalex.org/I39586589"]}],"countries":["GB"],"is_corresponding":false,"raw_author_name":"Matt Jones","raw_affiliation_strings":["Swansea University, United Kingdom"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Swansea University, United Kingdom","institution_ids":["https://openalex.org/I39586589"]}]}],"institutions":[],"countries_distinct_count":5,"institutions_distinct_count":8,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":false,"cited_by_count":6,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":"1","last_page":"5"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13194","display_name":"ICT in Developing Communities","score":0.9973999857902527,"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":0.9973999857902527,"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":0.996399998664856,"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/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9761000275611877,"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"}}],"keywords":[{"id":"https://openalex.org/keywords/distributed-file-system","display_name":"Distributed File System","score":0.8301295638084412},{"id":"https://openalex.org/keywords/digitization","display_name":"Digitization","score":0.694246768951416},{"id":"https://openalex.org/keywords/cash","display_name":"Cash","score":0.5394113659858704},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.4770768880844116},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.460137277841568},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.4483977258205414},{"id":"https://openalex.org/keywords/panel-discussion","display_name":"Panel discussion","score":0.41906577348709106},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.3944661021232605},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.31535598635673523},{"id":"https://openalex.org/keywords/telecommunications","display_name":"Telecommunications","score":0.16251420974731445},{"id":"https://openalex.org/keywords/computer-security","display_name":"Computer security","score":0.13770076632499695},{"id":"https://openalex.org/keywords/advertising","display_name":"Advertising","score":0.1297324001789093}],"concepts":[{"id":"https://openalex.org/C152043487","wikidata":"https://www.wikidata.org/wiki/Q1229600","display_name":"Distributed File System","level":2,"score":0.8301295638084412},{"id":"https://openalex.org/C2779308522","wikidata":"https://www.wikidata.org/wiki/Q843958","display_name":"Digitization","level":2,"score":0.694246768951416},{"id":"https://openalex.org/C2778083465","wikidata":"https://www.wikidata.org/wiki/Q693464","display_name":"Cash","level":2,"score":0.5394113659858704},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4770768880844116},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.460137277841568},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.4483977258205414},{"id":"https://openalex.org/C2781433648","wikidata":"https://www.wikidata.org/wiki/Q2100278","display_name":"Panel discussion","level":2,"score":0.41906577348709106},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.3944661021232605},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.31535598635673523},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.16251420974731445},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.13770076632499695},{"id":"https://openalex.org/C112698675","wikidata":"https://www.wikidata.org/wiki/Q37038","display_name":"Advertising","level":1,"score":0.1297324001789093}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1145/3491101.3516507","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3491101.3516507","pdf_url":null,"source":{"id":"https://openalex.org/S4363607762","display_name":"CHI Conference on Human Factors in Computing Systems Extended Abstracts","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"conference"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"CHI Conference on Human Factors in Computing Systems Extended Abstracts","raw_type":"proceedings-article"},{"id":"pmh:oai:cronfa.swan.ac.uk:cronfa59931","is_oa":false,"landing_page_url":"https://cronfa.swan.ac.uk/Record/cronfa59931","pdf_url":null,"source":{"id":"https://openalex.org/S4306401612","display_name":"Cronfa (Swansea University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I39586589","host_organization_name":"Swansea University","host_organization_lineage":["https://openalex.org/I39586589"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Conference Paper/Proceeding/Abstract"}],"best_oa_location":null,"sustainable_development_goals":[{"display_name":"Peace, Justice and strong institutions","score":0.4399999976158142,"id":"https://metadata.un.org/sdg/16"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":15,"referenced_works":["https://openalex.org/W2321824574","https://openalex.org/W2558559824","https://openalex.org/W2767914633","https://openalex.org/W2768569622","https://openalex.org/W2799331516","https://openalex.org/W2911013585","https://openalex.org/W2921067761","https://openalex.org/W2946268101","https://openalex.org/W2991500402","https://openalex.org/W3009017693","https://openalex.org/W3123192212","https://openalex.org/W3128199301","https://openalex.org/W3173329036","https://openalex.org/W4315697663","https://openalex.org/W6769771945"],"related_works":["https://openalex.org/W1539704186","https://openalex.org/W2399890175","https://openalex.org/W3202479762","https://openalex.org/W4308177873","https://openalex.org/W2480493049","https://openalex.org/W4322582183","https://openalex.org/W1937392525","https://openalex.org/W2347632764","https://openalex.org/W2286687623","https://openalex.org/W2353982255"],"abstract_inverted_index":{"The":[0],"digitization":[1],"of":[2,72,79,123],"financial":[3,81],"transactions":[4],"in":[5,17,87],"both":[6],"Global":[7,10],"North":[8],"and":[9,23,28,51,55,74,84,107,125,130,134,147],"South":[11],"has":[12,46],"led":[13],"to":[14,35,68,100,117,138,142],"considerable":[15],"shifts":[16],"how":[18,48],"money":[19,54],"is":[20],"used,":[21],"understood,":[22],"processed":[24],"by":[25,39],"users,":[26],"banks,":[27],"fintechs.":[29],"This":[30,62,111],"shift":[31],"from":[32],"physical":[33],"cash":[34],"digital":[36,44,53,80],"media,":[37],"accelerated":[38],"the":[40,70,77,98,102,109],"COVID-19":[41],"push":[42],"for":[43,58],"transactions,":[45],"impacted":[47],"users":[49,141],"perceive":[50],"use":[52],"opened":[56],"avenues":[57],"more":[59],"data":[60],"collection.":[61],"diverse":[63],"panel":[64,99],"proposes":[65],"a":[66,92,120],"discussion":[67],"understand":[69],"set":[71],"opportunities":[73],"challenges":[75],"around":[76],"design":[78],"services":[82],"(DFS)":[83],"data-driven":[85],"decision-making":[86],"DFS.":[88],"We":[89],"will":[90,114],"create":[91],"live":[93,112],"working":[94],"document":[95,101,113],"starting":[96],"before":[97],"discussion,":[103],"which":[104],"develops":[105],"during":[106],"after":[108],"panel.":[110],"enable":[115],"community":[116],"engage":[118],"with":[119,140],"broader":[121],"audience":[122],"researchers":[124,133],"industry,":[126],"outlining":[127],"processes,":[128],"methods,":[129],"tools":[131],"that":[132],"practitioners":[135],"have":[136],"created":[137],"work":[139],"develop":[143],"new":[144],"equitable":[145],"DFS":[146],"further":[148],"exploration.":[149]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":3},{"year":2023,"cited_by_count":1}],"updated_date":"2026-07-14T23:27:15.235271","created_date":"2025-10-10T00:00:00"}