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The Interplay of Financial Exchanges and Offline Interpersonal Relationships through Digital Peer-to-Peer Payments

机译:通过数码对等付款的金融交流与离线人际关系的相互作用

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摘要

Financial transactions play a critical role in people's interpersonal relationships since money is a sensitive and complex component of everyday life. In particular, emerging digital peer-to-peer (P2P) payment applications further complicate how people deal with each other regarding money. Yet, there is a lack of empirical evidence on how and why such technology may lead to new and more complex influences on people's offline interpersonal relationships. Using 23 in-depth interviews, this paper explores the influences of using digital P2P payments on people's experiences of interpersonal financial exchanges and their offline interpersonal relationships. Our findings show that using digital P2P payments helps reduce awkwardness and ensure a stronger sense of fairness in financial exchanges. In addition, though digital P2P payments can relieve tension and reduce distrust in users' interpersonal relationships, they also result in loss of emotion and increase peer pressure. We extend existing studies on computer-mediated interpersonal re-lationships by highlighting the important role of the complicated technology-mediated financial exchanges in perceiving, shaping, and approaching today's offline interpersonal relationships. We also propose potential design implications for designers and developers to take such an interplay of financial exchanges and interpersonal relationships into consideration to design more sup-portive and socially satisfactory digital P2P payment platforms in the future.
机译:金融交易在人们的人际关系中发挥着关键作用,因为金钱是日常生活的敏感和复杂的组成部分。特别是,新兴的数字点对点(P2P)支付应用程序进一步复杂化人们如何互相处理金钱。然而,缺乏关于如何以及为什么这种技术可能导致对人民离线人际关系影响的新和更复杂的影响的经验证据。本文采用23采访,探讨了使用数字P2P支付对人民经际金融交流及其离线人际关系的影响的影响。我们的研究结果表明,使用数字P2P付款有助于减少尴尬,并确保金融交流中更强烈的公平感。此外,虽然数字P2P付款可以缓解张力并减少用户的人际关系中的不信任,但它们也会导致情绪丧失并增加同伴压力。我们通过突出复杂的技术介导的金融交流在感知,塑造和接近今天的离线人际关系中的重要作用,扩展了计算机介导的人际关系重新联系的现有研究。我们还提出了对设计者和开发人员的潜在设计影响,以考虑到未来设计更多Sup-Peterive和Sofally令人满意的数字P2P支付平台。

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