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Designing Digital Payments for Next Billion Users .pdf

This SIG proposes starting a discussion on the CHI platform about the issues pertinent to the design of digital payments and digitization of financial services. Although there has been a lot of discussion in HCI around domains such as health and education, the domain of financial HCI is still nascent. The purpose of this SIG is to engage researchers and the broader community at CHI in the discussion and debate around digital payments for the next billion users. We propose creating a live working document starting before the SIG which continues to develop during and after the SIG. This live document will enable to engage with a wider audience of researchers, and industry practitioners outlining processes, methods, and tools that HCI4D researchers have created to work with emergent users to develop ICT interventions.


Media multitasking, a simultaneous consumption of two or more media, is a ubiquitous and popular behaviour among the youth. One of the reasons for its increasing growth is the structural/market-level factors (known as media factors). Although India is a growing technology hub, there have been limited efforts to identify the media multitasking behaviour among the youth in this country. Thus, this study attempts to analyse the prevalence of media multitasking behaviour among the Indian college students and its relationship with their emotions through two methods: self-report and an android-based application known as ‘Affective Media Landscape Survey’ (AMLS). Previous studies have reported that continuous interaction with media diminishes face-to-face interaction, reduces empathy and increases the tendency to live in the virtual world. This raises the concern for emotional differences in everyday life, if any, between the high and low groups of media multitaskers. So the second objective of the study is to understand the emotional profile of the users that varies among media multitasking index. To achieve these objectives, the same two methods, the ‘self-report’ that involves questionnaires and AMLS (an android-based app to study the frequency of media multitasking behaviour and the emotions of the users) have been employed. The study gives an insight into the emerging behavioural patterns and hence is helpful for designing communities to cater to the growing needs of the young media users.


In this paper, we aim to relate the design of WhatsApp with its adoption in developing countries and inform the design of future products. In the last two and a half years, a large number of 'emergent users' in India, have adopted WhatsApp. They have been able to do ‗account holding‘ tasks with a greater ease, which means they establish social online identities, manage off-line communication, share and forward content, and create and join groups with less difficulty. WhatsApp has certain design based advantages over the conventional account holding applications whose adoption is not easy by the emergent users because of certain barriers. These barriers arise due to user characteristics like lack of technology exposure and low levels of education and income.We used User-Usage model as a theoretical lens to understand how design features of WhatsApp may have helped the emergent users overcome the common barriers. This analysis was supported with the findings of contextual interviews done with 108 emergent users to understand their WhatsApp usage. We found that simplification of registration process and interaction mechanisms, reduction of choices, freeing users from cognitively intensive chores and sacrificing features that were less relevant in users‘ contexts were some of the ways through which the design of WhatsApp managed to remove barriers in adoption. This study helps us identify the design choices that could make other applications easier to adopt by the emergent users.