Consulting project : financial check-up platforms as a solution for financial literacy in Portugal

Portugal has been identified as the lowest-performing country in terms of financial literacy according to the ECB's ranking. The purpose of this research is to help the Portuguese FinTech Doutor Finanças to improve financial literacy in Portugal by providing a free-access financial management tool for all individuals. Through secondary research, benchmark analysis of best practice financial management tools on the market, and a survey exploring customer wants and motivations behind the usage of such tools, the study identified three key areas of importance for individuals: having an overview of personal finances, utilizing a saving and budget optimization tool, and a tool simplifying investing and trading. The study also emphasized the importance of creating high levels of customer centricity, tailoring the tools to individual needs and life cycles. Furthermore, updating the company's website with a more intuitive and modern design for an effective user experience will give Doutor Finanças a boost as well. The developed tools aim to empower individuals to take control of their finances and improve their financial literacy.Portugal foi identificado como o país com o pior desempenho em termos de literacia financeira, de acordo com a classificação do BCE. O objectivo desta pesquisa é ajudar o Doutor Finanças português FinTech a melhorar a literacia financeira em Portugal, fornecendo uma ferramenta de gestão financeira de acesso livre para todos os indivíduos. Através de pesquisa secundária, análise comparativa das melhores práticas de ferramentas de gestão financeira no mercado, e um inquérito explorando os desejos e motivações dos clientes por detrás da utilização de tais ferramentas, o estudo identificou três áreas-chave de importância para os indivíduos: ter uma visão geral das finanças pessoais, utilizar uma ferramenta de poupança e optimização orçamental, e receber ajuda para investir e negociar. O estudo também enfatizou a importância de criar níveis elevados de centralidade do cliente, adaptando as ferramentas às necessidades individuais e ciclos de vida. Além disso, a actualização do website da empresa com um design mais intuitivo e moderno para uma experiência de utilizador eficaz dará também um impulso à Doutor Finanças. As ferramentas desenvolvidas visam capacitar os indivíduos a assumir o controlo das suas finanças e melhorar a sua literacia financeira

Making local knowledge matter: Supporting non-literate people to monitor poaching in Congo

This paper describes a project initiated by non-literate indigenous people to equip their own “citizen scientists” with rugged smartphones running adapted software that enable them to share some of their detailed environmental knowledge in ways that improve the sustainable management of their forest. Supporting local people to share their environmental knowledge in scientifically valid and strategically targeted ways can lead to improvement in environmental governance, environmental justice and management practices. Mbendjele hunter-gatherers in the rainforests of Congo are working together with the ExCiteS Research Group at University College London to make their local knowledge about commercial hunters’ activities improve the control of commercial hunters and diminish the harassment they often experience at the hands of “eco-guards” who enforce hunting regulations. Developing and deploying a system for non-literate users introduces a range of challenges that we have tried to solve. Our Anti-Poaching data collection platform, running on Android smartphones, is based on a decision tree of pictorial icons and employs various smartphone sensors to augment observations. We describe its development here

Preparing millennials as digital citizens and socially and environmentally responsible business professionals in a socially irresponsible climate

As of 2015, a millennial born in the 1990's became the largest population in the workplace and are still growing. Studies indicate that a millennial is tech savvy but lag in the exercise of digital responsibility. In addition, they are passive towards environmental sustainability and fail to grasp the importance of social responsibility. This paper provides a review of such findings relating to business communications educators in their classrooms. The literature should enable the development of a millennial as an excellent global citizen through business communications curricula that emphasizes digital citizenship, environmental sustainability and social responsibility. The impetus for this work is to provide guidance in the development of courses and teaching strategies customized to the development of each millennial as a digital, environmental and socially responsible global citizen

Community mapping by non-literate citizen scientists in the rainforest

Supporting local communities to share their environmental knowledge by utilizing scientifically accepted tools and methodologies can lead to improvement in environmental governance, environmental justice and management practices. Mbendjele hunter-gatherers in the rainforests of Congo are collaborating with the ExCiteS Research Group at University College London to record their local knowledge about illegal poaching activities, which will improve the control of commercial hunters and diminish the harassment they often experience at the hands of 'eco-guards' who enforce hunting regulations. Developing and deploying a system for non-literate users introduces a range of challenges that we have tried to tackle with our Anti-Poaching data collection platform

Hacking the social life of Big Data

This paper builds on the Our Data Ourselves research project, which examined ways of understanding and reclaiming the data that young people produce on smartphone devices. Here we explore the growing usage and centrality of mobiles in the lives of young people, questioning what data-making possibilities exist if users can either uncover and/or capture what data controllers such as Facebook monetize and share about themselves with third-parties. We outline the MobileMiner, an app we created to consider how gaining access to one’s own data not only augments the agency of the individual but of the collective user. Finally, we discuss the data making that transpired during our hackathon. Such interventions in the enclosed processes of datafication are meant as a preliminary investigation into the possibilities that arise when young people are given back the data which they are normally structurally precluded from accessing

Designing a Multimedia Intervention for Illiterate and Semi-Illiterate Pregnant Women in Developing Countries: A Case of Uganda

Die hohe Müttersterblichkeit in Entwicklungsländern ist zum Teil auf indirekte Faktoren wie Analphabetismus und eingeschränkten Zugang zu Gesundheitsinformationen für Mütter zurückzuführen. Während gebildete Frauen auf Gesundheitsinformationen über Online-Plattformen und mHealth-Apps zugreifen können, müssen Analphabetinnen diese in Gesundheitseinrichtungen abrufen, was aufgrund der Transportkosten oft nicht möglich ist. Mobilfunktechnologie hat in der Gesundheitsversorgung Chancen für ressourcenarme Gemeinschaften eröffnet, die sonst nicht von den digitalen Technologien profitiert hätten. Obwohl Mobilfunktechnologie in der Müttergesundheit eingesetzt wird, können die meisten Maßnahmen nicht von Analphabeten genutzt werden, verwenden Sicherheitsmodelle die nicht auf den Kontext von Entwicklungsländern zugeschnitten sind, und wurden nicht auf ihre Auswirkungen auf die Müttergesundheit hin evaluiert. In dieser Arbeit wurden zwei (Web und Mobile) Apps entwickelt, die die Übermittlung von multimedialen Nachrichten zur Müttergesundheit, Terminerinnerungen und Anrufe/Chats erleichtern. Um die Anforderungen der Nutzer zu erfassen, wurde eine Feldstudie mit halbstrukturierten Interviews und Fokusgruppendiskussionen mit schwangeren Analphabetinnen, Gesundheitsexperten und Entwicklern durchgeführt. Es folgte die Entwicklung eines Sicherheitsmodells (T2RoL) zur Sicherung der Gesundheitsinformationen in den Apps, die dann nach einem nutzerzentrierten Designansatz entwickelt wurden. Eine zweite Feldstudie in Form von halbstrukturierten Interviews und Umfragen wurde durchgeführt, um die mobile App in einer randomisierten kontrollierten Studie mit 80 schwangeren Analphabetinnen über 9 Monate zu evaluieren. Die Auswertung zeigte, dass die App akzeptiert wurde sowie einfach zu erlernen und zu benutzen war. Das Wissen über Müttergesundheit in der Interventionsgruppe verbesserte sich, was sich positiv auf gesundheitsbezogene Entscheidungen und Gesundheitsmaßnahmen auswirkte.Maternal mortality is high in developing countries partly due to indirect factors such as illiteracy and limited access to maternal health information. While literate women can access health information from online platforms, and mHealth apps, illiterate women must get it from health facilities which is often not possible due to lack of transport fees. Mobile technology has opened opportunities in maternal health care for low resource communities that would otherwise not have benefited from digital technologies. Although used in maternal health, most interventions are not usable by the illiterate, use security models that are not tailored to the developing countries’ context, and have not been evaluated to assess their impact on maternal health care. In this thesis, two (web and mobile) apps that facilitate delivery of multimedia-based maternal health messages, appointment reminders, and calls/ chats were developed. To gather user requirements, a field study in form of semi-structured interviews and focus group discussions was conducted with illiterate pregnant women, health practitioners and developers. Development of a security model (T2RoL) to secure the health information in the apps followed. The apps were then developed following a user-centered design approach. A second field study in form of semi-structured interviews and surveys was conducted to evaluate the mobile app through a randomized controlled trial with 80 illiterate pregnant women that were followed for 9 months. Overall, results show that the app was acceptable, easy to learn and use. There was improved maternal health knowledge among the intervention group which positively influenced health related decision making and health practices

An investigation into the security behaviour of tertiary students regarding mobile device security

The use of mobile devices is becoming more popular by the day. With all the different features that the smart mobile devices possess, it is starting to replace personal computers both for personal use and business use. There are also more attacks concerning security on mobile devices because of their increased usage and the security measures not as effective and well-known as on personal computers. The perceived perception is that the young adult population does not act safely and they have a low level of technical advanced knowledge when using their mobile devices. Mobile users are largely responsible to protect themselves and other users from a security viewpoint. This paper reports on a study including a survey done regarding the behaviour of tertiary students concerning security of their mobile devices. Aspects of mobile device security will be discussed and the current status of tertiary students’ behaviour regarding mobile device security will be presented resulting from a survey conducted at a South African University. Findings indicate that tertiary students have diverse behaviour levels concerning mobile device security. The value of these results is that we can focus on specific content when educating smart device users on the subject of security including avoidance of risky or unsafe behaviour. Recommendations in this regard are presented in this paper

Citizens’ Perception About M-Government Services: Results from an Exploratory Survey

The development of mobile technology is facilitating the transformation in a way that governments deliver their services. Mobile government is one area that has received very little research, but it can have a tremendous impact on the way citizens engage with their government. This research analyses the data gathered from 81 respondents through online survey on the various aspects of mobile government and collects their views on some of the key questions related to the use of mobile government. The findings showed that although citizens are aware of the possibilities they hardly used mobile devices as a direct communication channel with government. Most users tend to use social media platforms and social media is used as an intermediary between government and citizens. The findings of this research also indicated that although the users are well aware of m-government services and own smartphones, only a handful of them use their mobiles for accessing government services

WhatsApp vigilantes: an exploration of citizen reception and circulation of WhatsApp misinformation linked to mob violence in India

This research study analyses the relationship between the use of WhatsApp to spread misinformation (also known as fake news) and disinformation in India, and the increase in lynchings and associated vigilante violence in India since 2015. Our focus is on the intersection of disinformation, misinformation, fake news, propaganda, mob violence, socio-political contexts of technology use, technological affordances and infrastructures, user experiences and motivations, media literacy, policy and regulation. This study will have particular resonance outside India for countries such as the USA, Israel, Pakistan, Brazil and Indonesia