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Full Description
This timely book provides a comprehensive analysis of digital financial services across diverse socio-economic landscapes, moving beyond technology-focused perspectives to examine the complex social and cultural dimensions of financial innovation.
Chapters explore how digital financial tools, from mobile banking to AI-based FinTech innovations, function as both economic instruments and catalysts for sociocultural change. Through a human-centric perspective, the contributors challenge the prevalent techno-optimistic narratives surrounding the topic, highlighting that outcomes are shaped by existing social hierarchies, cultural norms, and power dynamics. Key topics discussed include: the high hopes and the risks that digital financial services introduce; sustainable finance; household financial dynamics; trust; and financial inclusion. The book further advocates for context-sensitive approaches that balance innovation with equity and cultural pluralism.
This book is a vital resource for students and academics in sociology, anthropology, finance, business, economics, development, and science and technology studies. It is also an insightful read for finance professionals, policymakers, and technology innovators.
Contents
Contents
Foreword vii
1 Introduction: the world of human-centred digital finance 1
PART I THE BIG PICTURE: CONTEXTS OF DIGITAL
HUMAN FINANCE
2 The theories behind the thinking 21
3 High hopes for people in digital finance 41
4 The complexities of trust in digital finance 59
5 Making digital financial inclusion sustainable 75
PART II THE PLAYBOOK: PRACTICES OF DIGITAL
HUMAN FINANCE
6 How people think (and feel) about digital money 91
7 'Relating' to finance in the household 105
8 Digital monetary gift-giving practices 121
9 Debt: a human economy perspective 139
10 Navigating savings and investments: from digital piggybanks
to virtual portfolios 157
11 Conclusion: the human in digital finance - reflections and
future trajectories 171
References 183
Glossary 205
Index 209
