Digital Wallets ‘Turning a Corner’ for Financial Inclusion: A Study of Everyday PayTM Practices in India - Information and Communication Technologies for Development Access content directly
Conference Papers Year : 2019

Digital Wallets ‘Turning a Corner’ for Financial Inclusion: A Study of Everyday PayTM Practices in India

Abstract

Financial transactions are intimately bound with social interactions and woven into everyday economic lives. In this paper we focus on PayTM, a digital wallet, and a specific set of users of PayTM, street vendors in urban India. Through an ethnographic investigation we offer to unpack two questions: 1. Can digital forms of money create financial inclusion by opening up access to the marginalized 2. Can digital platforms amplify socio-economic capacities of low literate users enhancing financial literacy? We argue that digital and financial literacy are an immersive component of digital wallet use acquiring ‘everyday life’ in specific socio-economic ecosystems. Our study captures daily practices of digital money staking a claim in advancing the understanding of financial inclusion as a lived process accumulating habits, practices and stakes to expand socio-economic capabilities.
Fichier principal
Vignette du fichier
484106_1_En_23_Chapter.pdf (106.64 Ko) Télécharger le fichier
Origin : Files produced by the author(s)
Loading...

Dates and versions

hal-02281325 , version 1 (09-09-2019)

Licence

Attribution

Identifiers

Cite

Tanmay Joshi, Sharmistha Swasti Gupta, Nimmi Rangaswamy. Digital Wallets ‘Turning a Corner’ for Financial Inclusion: A Study of Everyday PayTM Practices in India. 15th International Conference on Social Implications of Computers in Developing Countries (ICT4D), May 2019, Dar es Salaam, Tanzania. pp.280-293, ⟨10.1007/978-3-030-19115-3_23⟩. ⟨hal-02281325⟩
156 View
575 Download

Altmetric

Share

Gmail Facebook X LinkedIn More