The joy of cheques: Trust, paper and eighty somethings

John Vines, Paul Dunphy, Mark Blythe, Stephen Lindsay, Andrew Monk, Patrick Olivier

    Research output: Chapter in Book/Report/Conference proceedingConference PaperResearchpeer-review

    34 Citations (Scopus)


    A cheque is a paper document that orders the transfer of money between bank accounts. Whilst an eighty-year-old in the UK is predicted on average to live at least another ten years, cheques may not. Despite many older peoples extensive use of cheques, UK banks are eager to abolish them and design electronic alternatives that are less costly to process and less vulnerable to fraud. This paper reports on two qualitative studies that explored the banking experiences of 23 people over eighty years old. Cheques support financial collaboration with others in ways that digital payment systems do not. We argue that whilst it might be possible to improve the design of digital payment systems to better support financial collaboration, the case for retaining and enhancing cheques is stronger. Rather than replace cheques, we must design ways of making them less costly to process and better linked to electronic payment methods.

    Original languageEnglish
    Title of host publicationCSCW'12 - Proceedings of the ACM 2012 Conference on Computer Supported Cooperative Work
    Number of pages10
    Publication statusPublished - 19 Mar 2012
    EventACM Conference on Computer Supported Cooperative Work 2012 - Seattle, United States of America
    Duration: 11 Feb 201215 Feb 2012


    ConferenceACM Conference on Computer Supported Cooperative Work 2012
    Abbreviated titleCSCW 2012
    CountryUnited States of America
    Internet address


    • banking
    • cheques
    • older old
    • paper
    • trust

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