Slides from my second CHI 2012 talk for our paper 'Cheque Mates: Participatory Design of Digital Payments with Eighty Somethings'. This talk and paper followed on from where Questionable Concepts left off, talking about the resulting participatory design process and how wider public outcry related to the end of cheque clearing in the UK dominated workshops. Full paper can be accessed here: http://dl.acm.org/citation.cfm?id=2207676.2208569&coll=DL&dl=GUIDE&CFID=380590099&CFTOKEN=64685270

1. CHI
2012,
Austin,
TX,
7th
May
2012
Cheque
Mates:
Participatory
Design
of
Digital
Payments
with
Eighty
Somethings
John
Vines,
Mark
Blythe,
Paul
Dunphy,
Vasillis
Vlachokyriakos,
Isaac
Teece,
Andrew
Monk,
Patrick
Olivier
7
1
of
1
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier

2. CHI
2012,
Austin,
TX,
7th
May
2012
Workshops
on
designing
future
banking
technologies
and
services
16
participants;
80-­‐87
years
of
age
(eighty
somethings)
12
workshops
over
6
months
(turnout
of
between
2
and
6
per
workshop)
Cheques
(and
their
demise)
were
a
focal
point
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
2
of
17

3. CHI
2012,
Austin,
TX,
7th
May
2012
“a
paper
promise
to
pay”
–
See:
Cheque
and
Credit
Clearing
Company,
2001
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
3
of
17

4. CHI
2012,
Austin,
TX,
7th
May
2012
“Poor
banks,
doesn’t
your
heart
bleed
for
them.
If
they
just
cancelled
one
person’s
bonus,
they
would
have
no
problems.”
-­‐
Mary,
81
See:
Vines
et
al.
2012.
The
Joy
of
Cheques:
Trust,
Paper
and
Eighty
Somethings
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
4
of
17

5. CHI
2012,
Austin,
TX,
7th
May
2012
Betty:
It
would
have
to
be
a
voluntary
group
would
it?
Helen:
A
not
for
proIit
organisation,
yes
...
You
set
that
up
and
we’ll
all
come.
Anna:
I
think
you
should
go
into
partnership
you
two.
Ruth:
That
would
be
one
in
the
eye
for
the
banks
if
you
went
independent.
Let’s
join
John’s
bank.
“I
don’t
see
that
working.”
“It
seems
so
complicated.
It’s
so
easy
just
to
have
a
bank
account.”
“One
more
hassle.”
“I
don’t
think
that’s
very
practical
because
there
aren’t
that
many
Age
Concern
branches
and
if
you
live
in
the
country
or
somewhere.”
“No”
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
5
of
17

6. CHI
2012,
Austin,
TX,
7th
May
2012
COMMUNITY
‘CHEQUE
MATES’
Participant
is
given
a
£20
Cheque
book
‘Encouraging’
friends,
family,
traders,
etc
into
accepting
Payee
writes
account
number,
Sort-­‐code
and
name
on
rear
Post
it
to
me,
and
I
perform
an
online
payment
to
payee
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
6
of
17

7. CHI
2012,
Austin,
TX,
7th
May
2012
4
Participants
Cheques
‘paid
in’
by:
newsagent;
window
cleaner;
yoga
teacher;
neighbours;
grandchildren
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
7
of
17

8. CHI
2012,
Austin,
TX,
7th
May
2012
“[She]
absolutely
slaughtered
me.
I
mean,
they’re
…
friends
really,
I
thought.
But
you
know
…
“Mike’s
not
having
anything
to
do
with
this.
He
wouldn’t
be
caught
by
a
scam
like
this.
You’ve
picked
the
wrong
person
here.”
And
I
said,
“Hey,
hang
on!
This
isn’t
a
scam,
as
I
explained.
It’s
a
proper
university
research
project.”
–
“I
don’t
care
what
it
is.
We
have
to
have
a
written
guarantee
of
what’s
going
to
happen
to
all
these
details.
He
wouldn’t
write
all
this
on
the
back,
and
he’s
so
careful
when
he
does
this,
that
and
the
other.”
-­‐Iris,
81
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
8
of
17

9. CHI
2012,
Austin,
TX,
7th
May
2012
Participants
engaged
with
the
idea…
Most
payees
accepted
the
cheques
and
sent
them
to
the
‘clearing
house’
Writing
down
bank
details
on
the
rear
is
experienced
as
a
large
security
risk
This
is
made
a
larger
concern
when
the
‘bank’
is
unknown
Entering
in
multiple
payments
online
one-­‐by-­‐one
is
very
time
consuming
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
9
of
17

10. CHI
2012,
Austin,
TX,
7th
May
2012
“Yes
you
see
if
I’ve
written
a
cheque
or
the
equivalent
of
a
cheque
on
that
paper
and
I
give
it
to
the
plumber
for
the
boiler
….
He
gives
it
into
his
bank
or
he
could
send
it
direct
to
[…]
the
clearing
centre
and
then
because
that’s
authorised
on
my
paper
then
they
can
instruct
my
bank
to
pay
his
bank.”
-­‐
Agatha,
81
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
10
of
17

11. CHI
2012,
Austin,
TX,
7th
May
2012
DIGITAL
‘CHEQUE
MATES’
look,
feel,
used
like
a
cheque
;
authorise
box
;
keep
the
‘cheque’
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
11
of
17

12. CHI
2012,
Austin,
TX,
7th
May
2012
DIGITAL
‘CHEQUE
MATES’
look,
feel,
used
like
a
cheque
;
authorise
box
;
keep
the
‘cheque’
;
self-­‐contained
;
‘safe’
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
12
of
17

13. CHI
2012,
Austin,
TX,
7th
May
2012
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
13
of
17

14. CHI
2012,
Austin,
TX,
7th
May
2012
“I’ve
got
this
as
a
stub
to
know
what
I’ve
done.
As
opposed
to
it
being
electronic
and
on
a
computer,
which
I
could
knock
off
by
accident
at
any
time,
or
anything.
It’s
all
here
on
paper…
That
impresses
me,
absolutely.”
-­‐
Patricia,
82
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
14
of
17

15. CHI
2012,
Austin,
TX,
7th
May
2012
“you
need
a
PhD
to
use
this!”
-­‐Iris,
82
“When
you
read
the
instructions,
it
has
you
a
bit
dumbfounded,
but
when
you
get
down
to
[it],
it’s
quite
simple
to
use.”
-­‐
Margaret,
82
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
15
of
17

16. CHI
2012,
Austin,
TX,
7th
May
2012
technology
that
preserves,
rather
than
replaces
responding
to
the
challenges
;
questioning
their
criticisms
dialogue
lead
to
mutual
change
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
16
of
17

17. CHI
2012,
Austin,
TX,
7th
May
2012
Thank
You!
(again)
Please
come
to
our
SIG:
“Participation
and
HCI:
Why
Involve
People
in
Design?”
Thursday
:
1130-­‐1250
:
Room
11A
Cheque
Mates
–
Vines,
Blythe,
Dunphy,
Vlachokyriakos,
Teece,
Monk
&
Olivier
17
of
17