Pay or delay: the role of technology when managing a low income

This paper reports on a qualitative study of 38 low-income individuals living in the North East of England. The participants' experiences of money, banking and the role digital technology plays in their financial practices were identified through semi-structured interviews in people's homes and group workshops. A grounded theory analysis of these data characterises how technology both helped and hindered participants to keep close control of their finances. These findings suggest design opportunities for future digital banking technologies that extend the already sophisticated practices of individuals managing a low income, focusing on: delaying, prioritising, planning, watching, and hiding monetary transactions

Quantifying the recent expansion of native invasive rush species in a UK upland environment

Rushes, such as soft rush (Juncus effusus L.), hard rush (Juncus inflexus L.) and compact rush (Juncus conglomeratus L.) have become problem species within upland grasslands across the UK and the coastal grasslands of western Norway. Indeed, being largely unpalatable to livestock and having a vigorous reproductive ecology means that they can rapidly come to dominate swards. However, rush dominance results in a reduction in grassland biodiversity and farm productivity. Anecdotal evidence from the UK suggests that rush cover within marginal upland grasslands has increased considerably in recent decades. Yet, there is currently no published evidence to support this observation. Here, we use recent and historical Google Earth imagery to measure changes in rush frequency over a 13-year period within four survey years: 2005, 2009, 2015 and 2018. During each survey year, we quantified rush presence or absence using a series of quadrats located within 300 upland grassland plots in the West Pennine Moors, UK. Data were analysed in two stages, first, by calculating mean rush frequencies per sample year using all the available plot-year combinations (the full dataset), and second by examining 25 differences in rush frequency using only the plots for which rush frequency data were available in every sample year (the continuous dataset). The full dataset indicated that rush frequency has increased by 82% between 2005 and 2018. Similarly, the continuous dataset suggested that rush frequency has increased by 174% over the same period, with the increases in frequency being statistically significant (P<0.05) between 2005-2018 and 2009-2018. We discuss the potential drivers of rush expansion in the West Pennine Moors, the ecological and agronomic implications of grassland rush infestations, and priorities for future research

Public opinion on energy crops in the landscape: considerations for the expansion of renewable energy from biomass

Public attitudes were assessed towards two dedicated biomass crops – Miscanthus and Short Rotation Coppice (SRC), particularly regarding their visual impacts in the landscape. Results are based on responses to photographic and computer-generated images as the crops are still relatively scarce in the landscape. A questionnaire survey indicated little public concern about potential landscape aesthetics but more concern about attendant built infrastructure. Focus group meetings and interviews indicated support for biomass end uses that bring direct benefits to local communities. Questions arise as to how well the imagery used was able to portray the true nature of these tall, dense, perennial plants but based on the responses obtained and given the caveat that there was limited personal experience of the crops, it appears unlikely that wide-scale planting of biomass crops will give rise to substantial public concern in relation to their visual impact in the landscape

Exploring motivations for the use of bitcoin technology

This paper presents an exploratory study focusing on user experience with Bitcoin technology. We describe interviews with 9 Bitcoin users and report findings related to users’ motivations for buying and using bitcoins. Our initial findings capture three main motivations such as Bitcoin’s predicted role in a monetary revolution, users’ increased empowerment, and their perception of real value of Bitcoin currency. We conclude with reflections on the value of these findings for HCI researchers

A framework for analysing blockchain technology adoption: Integrating institutional, market and technical factors

The adoption of blockchain technologies require the consideration of a broad range of factors, over and above the predominantly technology focus of most current work. Whilst scholarly literature on blockchain technology is only beginning to emerge, majority are focused on the technicalities of the technology and tend to ignore the organizational complexities of adopting the technology. Drawing from a focused review of literature, this paper proposed a conceptual framework for adoption of blockchain technology capturing the complex relationships between institutional, market and technical factors. The framework highlights that varying outcomes are possible, and the change process is focal as this shapes the form blockchain applications take. Factors presented in the framework (institutional, market and technical) interact and mutually influence each other. The proposed framework can be used by organisations as a reference point for adopting blockchain applications and by scholars to expand, refine and evaluate research into blockchain technology

CCPs and network stability in OTC derivatives markets

Among the reforms to OTC derivative markets since the global financial crisis is a commitment to collateralize counterparty exposures and to clear standardized contracts via central counterparties (CCPs). The reforms aim to reduce interconnectedness and improve counterparty risk management in these important markets. At the same time, however, the reforms necessarily concentrate risk in one or a few nodes in the financial network and also increase institutions’ demand for high-quality assets to meet collateral requirements. This paper looks more closely at the implications of increased CCP clearing for both the topology and stability of the financial network. Building on Heath et al. (2013) and Markose (2012), the analysis supports the view that the concentration of risk in CCPs could generate instability if not appropriately managed. Nevertheless, maintaining CCP prefunded financial resources in accordance with international standards and dispersing any unfunded losses widely through the system can limit the potential for a CCP to transmit stress even in very extreme market conditions. The analysis uses the Bank for International Settlements Macroeconomic Assessment Group on Derivatives (MAGD) data set on the derivatives positions of the 41 largest bank participants in global OTC derivative markets in 2012

Small Change: Economics and the British coin-tree

This is the accepted manuscript for the following article: Ceri Houlbrook, “Small Change: Economics and the British coin-tree”, Post Medieval Archaeology, Vol. 49(1), June 2015. The final published version can be found at: http://www.tandfonline.com/doi/full/10.1179/0079423615Z.00000000074 © Society for Post-Medieval Archaeology 2015Throughout the c.2000 year period coins have been circulated in Britain, they have also been ritually employed, most notably as votive deposits. Focusing specifically on the understudied custom of the British coin-tree, whereby coins are ritually embedded into the barks of trees, this paper considers the coin’s role and applicability as a deposit. It aims to demonstrate that our understanding of the coin’s past, present, and future ritual employment is not only aided by a consideration of economics and the coin’s secular function; it would be utterly incomplete without it.Peer reviewedFinal Accepted Versio