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The patterning of finance/security : a designerly walkthrough of challenger banking apps
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Dieter, Michael and Tkacz, Nathaniel (2020) The patterning of finance/security : a designerly walkthrough of challenger banking apps. Computational Culture : a journal of software studies (7). ISSN 2047-2390.
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Official URL: http://computationalculture.net/the-patterning-of-...
Abstract
Culture is being ‘appified’. Diverse, pre-existing everyday activities are being redesigned so they happen with and through apps. While apps are often encountered as equivalent icons in apps stores or digital devices, the processes of appification – that is, the actions required to turn something into an app – vary significantly. In this article, we offer a comparative analysis of a number of ‘challenger’ banking apps in the United Kingdom. As a retail service, banking is highly regulated and banks must take steps to identify and verify their customers before entering a retail relationship. Once established, this ‘secured’ financial identity underpins a lot of everyday economic activity. Adopting the method of the walkthrough analysis, we study the specific ways these processes of identifying and verifying the identity of the customer (now the user) occur through user onboarding. We argue that banking apps provide a unique way of binding the user to an identity, one that combines the affordances of smart phones with the techniques, knowledge and patterns of user experience design. With the appification of banking, we see new processes of security folded into the everyday experience of apps. Our analysis shows how these binding identities are achieved through what we refer to as the patterning of finance/security. This patterning is significant, moreover, given its availability for wider circulation beyond the context of retail banking apps.
| Item Type: | Journal Article | ||||||
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| Subjects: | H Social Sciences > HG Finance | ||||||
| Divisions: | Faculty of Social Sciences > Centre for Interdisciplinary Methodologies | ||||||
| Library of Congress Subject Headings (LCSH): | Banks and banking, Mobile, Banks and banking, Mobile apps -- Security measures, Financial services industry -- Technological innovations | ||||||
| Journal or Publication Title: | Computational Culture : a journal of software studies | ||||||
| Publisher: | Computational Culture | ||||||
| ISSN: | 2047-2390 | ||||||
| Official Date: | 20 January 2020 | ||||||
| Dates: |
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| Number: | 7 | ||||||
| Status: | Peer Reviewed | ||||||
| Publication Status: | Published | ||||||
| Access rights to Published version: | Open Access (Creative Commons) | ||||||
| Date of first compliant deposit: | 22 January 2020 | ||||||
| Date of first compliant Open Access: | 22 January 2020 |
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