@inproceedings{10.1145/3544548.3580661,
	author = {Rayed, Mohammad and Elahi, Tawfique and Arefin Shimon, Shaikh Shawon and Ahmed, Nova},
	title = {MFS Design in Appstore-enabled Smart Featurephones for Low-literate, Marginalized Communities},
	year = {2023},
	isbn = {9781450394215},
	publisher = {Association for Computing Machinery},
	address = {New York, NY, USA},
	url = {https://doi.org/10.1145/3544548.3580661},
	doi = {10.1145/3544548.3580661},
	abstract = {Mobile Financial Services (MFS) has gained significant popularity during the COVID-19 pandemic, especially among marginalized and low-income, low-literate communities around the world. Such communities have not been traditionally considered while designing MFS services via smartphone apps or USSD services in featurephones. Financial constraints limit such end-users towards basic featurephones, where recent appstore support has made it possible to deploy app-based MFS solutions beyond USSD. This new featurephone platform is a relatively underexplored area in terms of addressing design issues related to aforementioned end-users while developing MFS solutions. Our work addresses this gap by presenting qualitative findings on barriers to technology access focused on MFS solutions in marginal communities. We present a prototype non-USSD, app-based solution on an appstore-supported featurephone platform designed via a human-centered approach. This work has the potential to increase the financial inclusivity of marginalized communities in cashless MFS transactions via low-cost, appstore-enabled featurephones.},
	booktitle = {Proceedings of the 2023 CHI Conference on Human Factors in Computing Systems},
	articleno = {762},
	numpages = {19},
	keywords = {Finance/Money, HCI for Development, Mobile Devices: Phones/Tablets, User Experience Design},
	location = {Hamburg, Germany},
	series = {CHI '23}
}