Bibliographic record
Abstract
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
Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.
How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.000 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.000 | 0.000 |
| Scholarly communication | 0.000 | 0.002 |
| Open science | 0.001 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.002 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".