Exploring the personal financial information management of young adults
Notice bibliographique
Résumé
Personal financial records receive limited attention from researchers working in the areas of Personal Information Management, Personal Archiving, and Human-Computer Interaction. Competing definitions and conceptual models of Personal Information do not adequately account for knowledge-production during interactions with personal financial records. This research addresses these gaps by exploring the collections of personal financial data and records of 23 young adults between the ages of 18 to 25 in Montréal and Toronto, Canada. Using guided tours in the homes of participants, research data was collected in the form of audio recordings and photographic examples of financial data, information, knowledge, and wisdom from the context of personal finance. Using Reflexive Thematic Analysis, research data was analyzed deductively using the Wisdom Hierarchy and inductively from a social constructivist perspective. Findings show, young adults interact with personal financial data as the content of self-authored personal financial documents such as spreadsheets and spending logs, directed-to financial records such as receipts and statements, and financial service provider websites and apps. Young adults generated personal financial information through the curation of personal financial data in support of financial sense-making and narrative construction. Young adults generated personal financial knowledge through direct practical experience managing personal financial records and identified other humans as sources of financial knowledge that could be shared through financial socialization. Young adults used personal financial wisdom to manage their personal finances intuitively, control collection volume, and reduce their reliance on financial records to track changes in their financial situation. Some young adults relied on financial service provider information systems to preserve and provide long-term access to large portions of their collections of personal financial records. Emerging adulthood was a critical period for the development of financial records management skills and processes. Learning to create, manage, and use personal financial records is embedded in the social practice of coming of age. Young adults used their collections of personal financial records to reflect on their level of financial responsibility and shape future financial action as they worked towards greater levels of financial independence. Results of this research point to the need for a unified conceptual model of personal information management that incorporates both the knowledge-production and knowledge-transfer perspectives from Information Studies and accounts for both the curation and consumption of personal data as routine human-information interactions with personal records
Récupéré en direct depuis OpenAlex et désinversé. Les résumés ne sont pas conservés dans cette base de données : les index inversés représentent 8,6 Go des 9,3 Go de texte de la base, et le serveur dispose de 13 Go libres.
Comment cette classification a été obtenuedéplier
Prédiction distillée sur la base complète
Imitation des enseignantsNi prévalence calibrée, ni vérité terrain. Validation humaine à venir. Apprise à partir de 10 348 étiquettes directes de Codex et de 10 348 étiquettes directes de Gemma. Le mode candidate est l'union des têtes enseignantes seuillées; le consensus est leur intersection. Ces sorties portent le statut machine_predicted_unvalidated et ne sont ni des étiquettes humaines ni des étiquettes directes de modèles de pointe.
Scores Codex et Gemma par catégorie
| Catégorie | Codex | Gemma |
|---|---|---|
| Métarecherche | 0,001 | 0,000 |
| Méta-épidémiologie (sens strict) | 0,000 | 0,000 |
| Méta-épidémiologie (sens large) | 0,000 | 0,000 |
| Bibliométrie | 0,001 | 0,001 |
| Études des sciences et des technologies | 0,000 | 0,000 |
| Communication savante | 0,000 | 0,002 |
| Science ouverte | 0,001 | 0,000 |
| Intégrité de la recherche | 0,000 | 0,000 |
| Charge utile insuffisante (le modèle a refusé de juger) | 0,000 | 0,002 |
Scores machine (provisoires)
Les deux têtes enseignantes du modèle étudiant, lues sur ce travail. Un score ordonne la base pour la relecture; il n'affirme jamais une catégorie, et le statut de validation accompagne chaque rangée tel quel.
Scores de référence d'un modèle non mature (critères de maturité non atteints, 7 itérations). Un score ordonne; il n'affirme jamais une catégorie.
score_only:v0-immature-baseline · tel quel depuis la passe de notation : score_only signifie que le nombre peut ordonner les travaux, et qu'aucune étiquette de catégorie n'en découleClassification
machine, non validéePrédiction automatique; un appel candidat d’une seule tête enseignante, pas un consensus.
Le détail, modèle par modèle et score par score, se trouve en fin de page sous « Comment cette classification a été obtenue ».