Curb your enthusiasm: The dissonances of digitising personal finance

Financial technologies are often credited with empowering the consumer-citizen. The discourse that surrounds them is overwhelmingly positive, emphasising their contribution to speed, efficiency, availability, competition, quality and affordability. These very same technologies, however, also clash against meanings we attach money, things value in our interactions it. Through a review of design literature on moneywork, own research people experiencing both mental illness financial difficulty, discuss list dissonances result from digitising personal finances. We hope this discussion will encourage designers reflect think critically about look beyond hype currently built around them.