Recipes for Programmable Money

Chris Elsden, Tom Feltwell, Shaun Lawson, John Vines

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

12 Citations (Scopus)
46 Downloads (Pure)


This paper presents a qualitative study of the recent integration of a UK-based, digital-first mobile banking app — Monzo — with the web automation service IFTTT (If This Then That). Through analysis of 113 unique IFTTT ‘recipes’ shared by Monzo users on public community forums, we illustrate the potentially diverse functions of these recipes, and how they are achieved through different kinds of automation. Beyond achieving more convenient and efficient financial management, we note many playful and expressive applications of conditionality and automation that far extend traditional functions of banking applications and infrastructure. We use these findings to map opportunities, challenges and areas of future research in the development of ‘programmable money’ and related financial technologies. Specifically, we present design implications for the extension of native digital banking applications; novel uses of banking data; the applicability of blockchains and smart contracts; and future forms of financial autonomy.
Original languageEnglish
Title of host publicationProceedings of the 2019 CHI Conference on Human Factors in Computing Systems (CHI '19)
Subtitle of host publicationMay 4–9, 2019, Glasgow, Scotland UK
Place of PublicationNew York, NY, USA
Number of pages13
ISBN (Electronic)9781450359702
ISBN (Print)9781450359702
Publication statusPublished - 2 May 2019
EventACM CHI Conference on Human Factors in Computing Systems 2019: CHI’19 Workshop: HCI in China: Research Agenda, Education Curriculum, Industry Partnership, and Communities Building - Scottish Event Campus, Glasgow, United Kingdom
Duration: 4 May 20199 May 2019


ConferenceACM CHI Conference on Human Factors in Computing Systems 2019
Abbreviated titleCHI 2019
Country/TerritoryUnited Kingdom
Internet address


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