At-risk users are people who experience risk factors that augment or amplify their chances of
being digitally attacked and/or suffering disproportionate harms. In this systematization work …

Abstract A Rotating Savings and Credit Association (ROSCA) is an informal cooperation
strategy that has emerged in several parts of the world as a tool to increase the resilience …

Research involving at-risk users--that is, users who are more likely to experience a digital
attack or to be disproportionately affected when harm from such an attack occurs--can pose …

Purpose This study aims to investigate the evolvement of the concept and practice of the
Rotating Savings and Credit Association (ROSCA) from informal fund collection for …

It is well documented that people living with mental health conditions are more likely to
experience financial difficulties. When explaining this association, emphasis has often been …

The evolving socio-technical landscape in peri-urban Tanzania has paved the way for a
dramatic increase in smartphone-supported micro and small enterprises. We conduct …

There is a wealth of contemporary scholarship pointing to ways in which money and
payment media are being rapidly reconfigured through data and technology platforms …

Low-income merchants in India, who conduct business via makeshift shops and handcarts,
are increasingly using digital payment systems for business operations. Although these …

Content creators are exposed to elevated risks compared to the general Internet user. This
study explores the threat landscape that creators in Pakistan are exposed to, how they …

A majority of people in developing countries lack access to formal finance and rely on
community-organised groups. These savings and credit associations (SCAs) face …