About Open Access
The Joy of Cheques: Trust, Paper and Eighty Somethings
Lookup NU author(s)
Dr John Vines
Dr Paul Dunphy
Professor Patrick Olivier
Vines J, Dunphy P, Blythe M, Lindsay S, Monk A, Olivier P
Conference Proceedings (inc. Abstract)
ACM Conference on Computer Supported Cooperative Work (CSCW'12)
Seattle, Washington, USA
Year of Conference
11-15 February 2012
Full text for this publication is not currently held within this repository. Alternative links are provided below where available.
A cheque is a paper document that orders the transfer of money between bank accounts. Whilst an eighty-year-old in the UK is predicted on average to live at least another ten years, cheques may not. Despite many older peoples extensive use of cheques, UK banks are eager to abolish them and design electronic alternatives that are less costly to process and less vulnerable to fraud. This paper reports on two qualitative studies that explored the banking experiences of 23 people over eighty years old. Cheques support financial collaboration with others in ways that digital payment systems do not. We argue that whilst it might be possible to improve the design of digital payment systems to better support financial collaboration, the case for retaining and enhancing cheques is stronger. Rather than replace cheques, we must design ways of making them less costly to process and better linked to electronic payment methods.
Newcastle University Library, NE2 4HQ, United Kingdom. Tel: 0044 (191) 222 7657
©2014 Newcastle University Library