{"id":"https://openalex.org/W4415870866","doi":"https://doi.org/10.1145/3757232.3757238","title":"Terms and Conditions (Do Not) Apply: Understanding Exploitation Disparities in Design of Mobile-Based Financial Services","display_name":"Terms and Conditions (Do Not) Apply: Understanding Exploitation Disparities in Design of Mobile-Based Financial Services","publication_year":2025,"publication_date":"2025-11-04","ids":{"openalex":"https://openalex.org/W4415870866","doi":"https://doi.org/10.1145/3757232.3757238"},"language":"en","primary_location":{"id":"doi:10.1145/3757232.3757238","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3757232.3757238","pdf_url":"https://dl.acm.org/doi/pdf/10.1145/3757232.3757238","source":null,"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the Fifth Biennial African Human-Computer Interaction Conference","raw_type":"proceedings-article"},"type":"article","indexed_in":["arxiv","crossref"],"open_access":{"is_oa":true,"oa_status":"gold","oa_url":"https://dl.acm.org/doi/pdf/10.1145/3757232.3757238","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5063967746","display_name":"Lindah Kotut","orcid":"https://orcid.org/0000-0002-5788-5888"},"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":true,"raw_author_name":"Lindah Kotut","raw_affiliation_strings":["University of Washington, Seattle, Washington, USA"],"raw_orcid":"https://orcid.org/0000-0002-5788-5888","affiliations":[{"raw_affiliation_string":"University of Washington, Seattle, Washington, USA","institution_ids":["https://openalex.org/I201448701"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5063967746"],"corresponding_institution_ids":["https://openalex.org/I201448701"],"apc_list":null,"apc_paid":null,"fwci":2.9051,"has_fulltext":true,"cited_by_count":1,"citation_normalized_percentile":{"value":0.93572427,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":91,"max":95},"biblio":{"volume":null,"issue":null,"first_page":"71","last_page":"82"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T13194","display_name":"ICT in Developing Communities","score":0.31690001487731934,"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":0.31690001487731934,"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/T10803","display_name":"Innovative Human-Technology Interaction","score":0.1454000025987625,"subfield":{"id":"https://openalex.org/subfields/1709","display_name":"Human-Computer Interaction"},"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/T10068","display_name":"Technology Adoption and User Behaviour","score":0.0820000022649765,"subfield":{"id":"https://openalex.org/subfields/1802","display_name":"Information Systems and Management"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/unbanked","display_name":"Unbanked","score":0.8156999945640564},{"id":"https://openalex.org/keywords/financial-services","display_name":"Financial services","score":0.6640999913215637},{"id":"https://openalex.org/keywords/safer","display_name":"SAFER","score":0.6204000115394592},{"id":"https://openalex.org/keywords/fintech","display_name":"FinTech","score":0.44290000200271606},{"id":"https://openalex.org/keywords/financial-transaction","display_name":"Financial transaction","score":0.4081999957561493},{"id":"https://openalex.org/keywords/financial-inclusion","display_name":"Financial inclusion","score":0.3961000144481659},{"id":"https://openalex.org/keywords/unintended-consequences","display_name":"Unintended consequences","score":0.3668000102043152}],"concepts":[{"id":"https://openalex.org/C2778430866","wikidata":"https://www.wikidata.org/wiki/Q3061848","display_name":"Unbanked","level":4,"score":0.8156999945640564},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.6640999913215637},{"id":"https://openalex.org/C2776654903","wikidata":"https://www.wikidata.org/wiki/Q2601463","display_name":"SAFER","level":2,"score":0.6204000115394592},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.602400004863739},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.4765999913215637},{"id":"https://openalex.org/C540431452","wikidata":"https://www.wikidata.org/wiki/Q16319025","display_name":"FinTech","level":3,"score":0.44290000200271606},{"id":"https://openalex.org/C164516710","wikidata":"https://www.wikidata.org/wiki/Q1166072","display_name":"Financial transaction","level":3,"score":0.4081999957561493},{"id":"https://openalex.org/C2779251847","wikidata":"https://www.wikidata.org/wiki/Q60852","display_name":"Financial inclusion","level":3,"score":0.3961000144481659},{"id":"https://openalex.org/C2776889888","wikidata":"https://www.wikidata.org/wiki/Q1135789","display_name":"Unintended consequences","level":2,"score":0.3668000102043152},{"id":"https://openalex.org/C2780378061","wikidata":"https://www.wikidata.org/wiki/Q25351891","display_name":"Service (business)","level":2,"score":0.36309999227523804},{"id":"https://openalex.org/C194995250","wikidata":"https://www.wikidata.org/wiki/Q531136","display_name":"Affordance","level":2,"score":0.3587999939918518},{"id":"https://openalex.org/C112930515","wikidata":"https://www.wikidata.org/wiki/Q4389547","display_name":"Risk analysis (engineering)","level":1,"score":0.35740000009536743},{"id":"https://openalex.org/C76073288","wikidata":"https://www.wikidata.org/wiki/Q1337875","display_name":"Financial risk","level":2,"score":0.33799999952316284},{"id":"https://openalex.org/C2780103759","wikidata":"https://www.wikidata.org/wiki/Q5264375","display_name":"Design science","level":2,"score":0.3165999948978424},{"id":"https://openalex.org/C2992337254","wikidata":"https://www.wikidata.org/wiki/Q31275820","display_name":"Financial stability","level":2,"score":0.2978000044822693},{"id":"https://openalex.org/C191654821","wikidata":"https://www.wikidata.org/wiki/Q247506","display_name":"Financial instrument","level":2,"score":0.2840000092983246},{"id":"https://openalex.org/C195094911","wikidata":"https://www.wikidata.org/wiki/Q14167904","display_name":"Process management","level":1,"score":0.2766000032424927},{"id":"https://openalex.org/C2777941463","wikidata":"https://www.wikidata.org/wiki/Q1416374","display_name":"Financial literacy","level":2,"score":0.2752000093460083},{"id":"https://openalex.org/C2779416230","wikidata":"https://www.wikidata.org/wiki/Q5449697","display_name":"Financial compensation","level":3,"score":0.25870001316070557}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.1145/3757232.3757238","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3757232.3757238","pdf_url":"https://dl.acm.org/doi/pdf/10.1145/3757232.3757238","source":null,"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the Fifth Biennial African Human-Computer Interaction Conference","raw_type":"proceedings-article"},{"id":"pmh:oai:arXiv.org:2507.10970","is_oa":true,"landing_page_url":"http://arxiv.org/abs/2507.10970","pdf_url":"https://arxiv.org/pdf/2507.10970","source":{"id":"https://openalex.org/S4393918464","display_name":"ArXiv.org","issn_l":"2331-8422","issn":["2331-8422"],"is_oa":true,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"text"}],"best_oa_location":{"id":"doi:10.1145/3757232.3757238","is_oa":true,"landing_page_url":"https://doi.org/10.1145/3757232.3757238","pdf_url":"https://dl.acm.org/doi/pdf/10.1145/3757232.3757238","source":null,"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the Fifth Biennial African Human-Computer Interaction Conference","raw_type":"proceedings-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W4415870866.pdf","grobid_xml":"https://content.openalex.org/works/W4415870866.grobid-xml"},"referenced_works_count":44,"referenced_works":["https://openalex.org/W1825952736","https://openalex.org/W1861534108","https://openalex.org/W1993246901","https://openalex.org/W2002847701","https://openalex.org/W2038413674","https://openalex.org/W2069005704","https://openalex.org/W2085975490","https://openalex.org/W2086648145","https://openalex.org/W2094865495","https://openalex.org/W2117036220","https://openalex.org/W2121369258","https://openalex.org/W2130645129","https://openalex.org/W2131361721","https://openalex.org/W2146266464","https://openalex.org/W2149409395","https://openalex.org/W2335431711","https://openalex.org/W2558574039","https://openalex.org/W2559928430","https://openalex.org/W2611499662","https://openalex.org/W2742827529","https://openalex.org/W2775715748","https://openalex.org/W2796418520","https://openalex.org/W2808781922","https://openalex.org/W2808840625","https://openalex.org/W2809213264","https://openalex.org/W2884796378","https://openalex.org/W2906151105","https://openalex.org/W2910975043","https://openalex.org/W2915036739","https://openalex.org/W2921067761","https://openalex.org/W2946424944","https://openalex.org/W2963144337","https://openalex.org/W3090910431","https://openalex.org/W3133942853","https://openalex.org/W3158102973","https://openalex.org/W3160741915","https://openalex.org/W3161501076","https://openalex.org/W3165474736","https://openalex.org/W3204381935","https://openalex.org/W4205404290","https://openalex.org/W4225127221","https://openalex.org/W4288057695","https://openalex.org/W4396833495","https://openalex.org/W4413062068"],"related_works":[],"abstract_inverted_index":{"Mobile-based":[0],"financial":[1,38,72,90,101,122],"services":[2],"have":[3,15,20,25,36],"made":[4,26],"it":[5],"possible":[6],"for":[7,27,127,145],"the":[8,66,94,100,111,118,138],"traditionally":[9],"unbanked":[10],"to":[11,30,56,69],"access":[12,55],"infrastructure":[13],"that":[14,74,98,149],"been":[16],"routinely":[17],"unattainable.":[18],"Researchers":[19],"explored":[21],"how":[22],"these":[23],"systems":[24],"safer":[28],"environments":[29],"send":[31],"and":[32,35,59,92,96,107,131,160],"receive":[33],"money":[34],"expanded":[37],"opportunities":[39],"such":[40,48,114],"as":[41,49],"increased":[42],"borrowing.":[43],"With":[44],"this":[45],"expansion,":[46],"challenges":[47],"detrimental":[50],"interest":[51],"rates,":[52],"lack":[53],"of":[54,88,113,129,153,157,162],"policy":[57],"documents,":[58],"inadequate":[60],"user":[61,82,86],"protective":[62],"guardrails":[63],"emerge,":[64],"amplifying":[65],"risks":[67,130],"due":[68],"technology-aided":[70],"unethical":[71],"practices":[73],"are":[75],"aided":[76],"by":[77,81,120,137],"design":[78,112,147],"patterns.":[79],"Supported":[80],"interviews,":[83],"we":[84],"detail":[85],"experiences":[87],"mobile-based":[89],"transactions":[91],"explore":[93],"foundations":[95],"guidelines":[97,144],"undergird":[99],"service":[102],"provisions:":[103],"highlighting":[104,121],"both":[105],"affordances":[106],"harms":[108,135],"enabled":[109],"in":[110],"systems.":[115],"We":[116,141],"discuss":[117],"findings":[119],"exploitation":[123],"disparities,":[124],"deliberating":[125],"strategies":[126],"mitigation":[128],"enabling":[132],"recovery":[133],"from":[134],"caused":[136],"technology":[139],"use.":[140],"then":[142],"recommend":[143],"empowering":[146],"approaches":[148],"support":[150],"users\u2019":[151],"mechanisms":[152],"trust,":[154],"their":[155],"understanding":[156],"technological":[158],"processes,":[159],"determination":[161],"risks.":[163]},"counts_by_year":[{"year":2025,"cited_by_count":1}],"updated_date":"2026-03-11T06:11:40.159057","created_date":"2025-10-10T00:00:00"}