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Supportive Fintech for Individuals with Bipolar Disorder: Financial Data Sharing Preferences to Support Longitudinal Care Management

Jeff Brozena, Johnna Blair, Thomas Richardson, Mark Matthews, Dahlia Mukherjee, Erika F. H. Saunders, Saeed Abdullah

TL;DR

A factorial vignette survey from individuals with bipolar disorder shows that they are open to sharing financial data for long term care management, and significant differences in sharing preferences across age, gender, and diagnostic subtype are identified.

Abstract

Financial stability is a key challenge for individuals living with bipolar disorder (BD). Symptomatic periods in BD are associated with poor financial decision-making, contributing to a negative cycle of worsening symptoms and an increased risk of bankruptcy. There has been an increased focus on designing supportive financial technologies (fintech) to address varying and intermittent needs across different stages of BD. However, little is known about this population's expectations and privacy preferences related to financial data sharing for longitudinal care management. To address this knowledge gap, we have deployed a factorial vignette survey using the Contextual Integrity framework. Our data from individuals with BD (N=480) shows that they are open to sharing financial data for long term care management. We have also identified significant differences in sharing preferences across age, gender, and diagnostic subtype. We discuss the implications of these findings in designing equitable fintech to support this marginalized community.

Supportive Fintech for Individuals with Bipolar Disorder: Financial Data Sharing Preferences to Support Longitudinal Care Management

TL;DR

A factorial vignette survey from individuals with bipolar disorder shows that they are open to sharing financial data for long term care management, and significant differences in sharing preferences across age, gender, and diagnostic subtype are identified.

Abstract

Financial stability is a key challenge for individuals living with bipolar disorder (BD). Symptomatic periods in BD are associated with poor financial decision-making, contributing to a negative cycle of worsening symptoms and an increased risk of bankruptcy. There has been an increased focus on designing supportive financial technologies (fintech) to address varying and intermittent needs across different stages of BD. However, little is known about this population's expectations and privacy preferences related to financial data sharing for longitudinal care management. To address this knowledge gap, we have deployed a factorial vignette survey using the Contextual Integrity framework. Our data from individuals with BD (N=480) shows that they are open to sharing financial data for long term care management. We have also identified significant differences in sharing preferences across age, gender, and diagnostic subtype. We discuss the implications of these findings in designing equitable fintech to support this marginalized community.
Paper Structure (52 sections, 4 figures, 1 table)

This paper contains 52 sections, 4 figures, 1 table.

Table of Contents

  1. Introduction
  2. Related Work
  3. Bipolar Disorder and Financial Instability
  4. Open Banking and Supportive Financial Technology Design
  5. Privacy Norms for Health Data Sharing
  6. Methods
  7. Survey Design
  8. Vignette Factors
  9. Survey Questionnaire
  10. Financial Environments
  11. BD-related Spending Behaviors
  12. Financial Management Strategies
  13. Vignettes
  14. Demographics
  15. Survey Procedures
  16. ...and 37 more sections

Figures (4)

  • Figure 1: Participants were comfortable sharing all financial data types for their own review. They were less comfortable sharing all purchase details with family (see section 4.3). We have included descriptive statistics for all vignettes in supplementary materials.
  • Figure 2: Our data shows significant gender differences in willingness to share financial information. Women were significantly less comfortable sharing financial data with their family, although they were highly comfortable sharing data with themselves.
  • Figure 3: Financial data sharing preferences varied across BD subtypes. Individuals with BD type II were significantly more comfortable sharing financial data with themselves and their clinicians compared with individuals with BD type I.
  • Figure 4: Participants willing to adopt technology to prevent overspending were significantly more comfortable sharing financial data with clinicians and family.