In this paper, we describe an ethnographic study of a mobile money infrastructure, especially its design, organization, and implementation, and its potential consequences for financial inclusion goals. Through using the analytic lens of infrastructure studies to ground our findings, we observe is that infrastructures emerge in organized practice and use. Moreover, they are constantly evolving with no specific beginning and end; any bounding is contingent on our own methodological and theoretical affiliations as well as our logistical constraints. To this end, we focus our attention on the two different infrastructures \u2013 the mobile money and the loan management infrastructures \u2013 that were operating in tandem to connect low-income auto-rickshaw drivers to mainstream bank loans. We specifically privilege the human work that goes into making and sustaining this mobile money infrastructure. In doing so, we challenge the \u2018unbearable modernity\u2019 of mobile money and its purported effects on helping the poor manage their unpredictable cash flows.<\/p>\n","protected":false},"excerpt":{"rendered":"
In this paper, we describe an ethnographic study of a mobile money infrastructure, especially its design, organization, and implementation, and its potential consequences for financial inclusion goals. Through using the analytic lens of infrastructure studies to ground our findings, we observe is that infrastructures emerge in organized practice and use. Moreover, they are constantly evolving […]<\/p>\n","protected":false},"featured_media":641385,"template":"","meta":{"msr-url-field":"","msr-podcast-episode":"","msrModifiedDate":"","msrModifiedDateEnabled":false,"ep_exclude_from_search":false,"_classifai_error":"","footnotes":""},"msr-content-type":[3],"msr-research-highlight":[],"research-area":[13554,13559,13568],"msr-publication-type":[193715],"msr-product-type":[],"msr-focus-area":[],"msr-platform":[],"msr-download-source":[],"msr-locale":[268875],"msr-post-option":[],"msr-field-of-study":[],"msr-conference":[],"msr-journal":[],"msr-impact-theme":[],"msr-pillar":[],"class_list":["post-641379","msr-research-item","type-msr-research-item","status-publish","has-post-thumbnail","hentry","msr-research-area-human-computer-interaction","msr-research-area-social-sciences","msr-research-area-technology-for-emerging-markets","msr-locale-en_us"],"msr_publishername":"","msr_edition":"","msr_affiliation":"","msr_published_date":"2020-2-18","msr_host":"","msr_duration":"","msr_version":"","msr_speaker":"","msr_other_contributors":"","msr_booktitle":"","msr_pages_string":"","msr_chapter":"","msr_isbn":"","msr_journal":"Journal of Computer Supported Co-operative Work","msr_volume":"","msr_number":"","msr_editors":"","msr_series":"","msr_issue":"","msr_organization":"","msr_how_published":"","msr_notes":"","msr_highlight_text":"","msr_release_tracker_id":"","msr_original_fields_of_study":"","msr_download_urls":"","msr_external_url":"","msr_secondary_video_url":"","msr_longbiography":"","msr_microsoftintellectualproperty":1,"msr_main_download":"","msr_publicationurl":"","msr_doi":"","msr_publication_uploader":[{"type":"doi","viewUrl":"false","id":"false","title":"https:\/\/doi.org\/10.1007\/s10606-020-09373-1","label_id":"243109","label":0}],"msr_related_uploader":"","msr_attachments":[],"msr-author-ordering":[{"type":"text","value":"Ishita Ghosh","user_id":0,"rest_url":false},{"type":"user_nicename","value":"Jacki O'Neill","user_id":32172,"rest_url":"https:\/\/www.microsoft.com\/en-us\/research\/wp-json\/microsoft-research\/v1\/researchers?person=Jacki O'Neill"}],"msr_impact_theme":[],"msr_research_lab":[199562],"msr_event":[],"msr_group":[144784],"msr_project":[390764],"publication":[],"video":[],"download":[],"msr_publication_type":"article","related_content":{"projects":[{"ID":390764,"post_title":"Digital Money, Financial Capability and Financial Inclusion","post_name":"digital-money-financial-capability-and-financial-inclusion","post_type":"msr-project","post_date":"2017-06-16 03:00:23","post_modified":"2021-07-02 13:57:18","post_status":"publish","permalink":"https:\/\/www.microsoft.com\/en-us\/research\/project\/digital-money-financial-capability-and-financial-inclusion\/","post_excerpt":"This project explores the impact of different forms of money and financial technologies on financial inclusion for low and variable\u00a0income communities. 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