Digital Change

Redesigning money and exchange for ordinary interactions in alternative financial systems

10th April 2015, the Royal Society, London (afternoon event: 1-5pm)

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This event is FREE but ticketed. For registration, please contact <>


Do digital currencies change our interactions around money? How can peer-to-peer digital transactions support new forms of financial services for users? What’s the relationship between digital money and social media? Can we design digital financial services to make them easier to understand and use, more trustworthy, accessible, or socially useful? Join us as we bring together a mix of academic and industry speakers to explore the transformative effects of digital in building new forms of financial interaction.


Alternative financial and transactional services have seen a huge resurgence in the last few years, ranging from peer-to-peer lending, to mobile payments made with digital currencies. What has underpinned this ‘fin-tech’ revolution has been the confluence of secure digital, mobile and network technologies that have opened up access to a range of financial services to ordinary citizen-users. Yet these changes have not simply reproduced what the traditional banks, as financial holding services, do: they offer new, disruptive forms for financial transactions, carried out in different ways with different effects. This impacts on the way that their users value, use, trust and interpret the transactions themselves, and on their interactions around money. We are only just beginning to understand how the technical infrastructures that sit behind these alternative digital systems affect the ways that users make sense of the financial services that they use, or on how these might be designed more effectively. What we do know is that these services are growing fast, and that the impacts will be profound, with personal, social, business, and wider economic effects – and that we have the opportunity to shape credible, useful and valuable services.

To coincide with the release of a digital ‘toolkit’ for innovating and designing effective alternative financial services, we have invited a number of internationally recognised experts from industry and academia to discuss and debate the topic.

This symposium will be of interest to all those concerned with alternative financial systems–financial technology developers and designers, financial entrepreneurs, interaction designers, financial theorists, social entrepreneurs, digital currency thinkers, legislators and members of regulatory bodies.


The event will involve two keynote talks with an interactive Q&A panel session on the digital future of money and exchange.


Confirmed Speakers

Professor Barry Brown

Keynote: ‘The future of money: from Apple Pay to payless payment

Barry Brown is a professor of Human Computer Interaction at Stockholm University, where he directs the Future of Money project working on the intersections of money, social interaction and device design. He is the research director of Mobile Life, a world leading institute looking into the future of mobile devices, in partnership with Ericsson, Nokia, Microsoft, IKEA, ABB, Telia Sonera, Rebel & Bird and Stockholm City.  He has published over 100 academic articles, three books, his most recent of which is forthcoming with MIT Press titled “Enjoying Machines”.

Brett Scott

Keynote: ‘Open-sourcing the financial system: Five areas to we need to work on’

Brett Scott is a journalist, campaigner and the author of The Heretic’s Guide to Global Finance: Hacking the Future of Money (Pluto Press: 2013). He works on financial reform, alternative finance and economic activism with a wide variety of NGOs, artists and students, and writes for publications such as The Guardian, New Scientist, Wired Magazine, Aeon and He tweets as @suitpossum

Dr Joe Deville (Presentation download here)

Joe Deville is a postdoctoral researcher in the Department of Sociology at Goldsmiths, University of London. His research focuses on consumer credit lending and debt collection, as also explored in his book Lived Economies of Default (Routledge, 2015). He is currently working on a project investigating the use of unconventional, online data sources by payday lenders to assess creditworthiness.

Josh Ryan-Collins

Josh Ryan-Collins is the Senior Researcher on Monetary Policy at the New Economics Foundation (NEF). He examines problems with the current banking model and researches alternatives, including public banks, credit guidance by central banks or governments, ‘sovereign money’ proposals (full-reserve banking) and decentralised complementary and peer-2-peer currency systems. Josh is the lead author of NEF’s guide to the UK monetary system – ‘Where does money come from?’, and is also a founding member and Director of the Brixton Pound, the UK’s first urban local currency.

Dr John Vines

John Vines is a lecturer in the School of Computing Science at Newcastle University, and sits in the Digital Interaction group in Culture Lab. John’s research examines the ways people interact with and through digital technologies and the human experiences, values, aspirations and practices that arise through this.  His work falls into the area of digital civic participation, engagement and inclusivity. John brings expertise to this panel on new and alternative approaches to financial service design through participatory engagement with excluded groups.

Dr Katie Panciera

Katie Panciera is a User Experience Researcher for Payments, working at Google, Inc. in California, and has been exploring users perceptions and usability of online and mobile payment systems. Katie has been working with Google Wallet, a mobile payment system.


All attendees are invited to networking drinks afterwards (pub)



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Contact Details

If you have any queries about the event please contact us:    |



Event organized by Drs Mark Perry (Brunel University), John Carter McKnight (Lancaster University) Jennifer Ferriera (independent), and Adam Fish (Lancaster University)


Funded by the Digital Economy EPSRC, and Brunel University as part of the 3rd Party Dematerialisation and Rematerialisation of Capital: designing and innovating credible digital intermediaries in the personal financial marketplace (3DaRoC) research project in collaboration with Lancaster and Bristol Universities.


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