Community Credit interviews on trust in consumer financial services

The Community Credit research project explores pathways for trusted collaboration between credit unions and the communities they serve. To understand the experiences of people historically underserved by the consumer financial services industry, we focused in particular on the lived experience of low-income residents in Southern California. As part of a larger, mixed-methods study, in 2022 we conducted 30 semi-structured interviews exploring people’s everyday financial practices and their attitudes toward consumer financial services providers. This data set contains the transcripts from the interviews after excluding any personally identifying data. All study materials and procedures were approved by the University of California, Irvine Office of Human Research Protections and the Institutional Review Board (protocol ID 20216839). This material is based upon work supported by the National Science Foundation under Grant No. 2137567. Any opinions, findings, and conclusions or recommendati..., Interview participants were recruited through the project’s other data collection methods, including community listening sessions, photovoice workshops, and a large-scale survey. Participants were eligible to complete an interview if they live in Orange County or Los Angeles County, are older than 18, and have a combined household income of less than $100,000. Although the interviews are focused on participants’ individual experiences, some participants also speak to their experience working for local nonprofits involved in advocating for financially marginalized people. Interviews were conducted over the telephone or via the Zoom platform. Every interview began with obtaining informed consent and permission to record. The interviews followed a 10-question script (included in the Question Guide file), although the order of the questions and the depth in which each was discussed varied organically based on the flow of conversation and the degree of detail participants were comfortable wi..., Researchers conducting the interviews are identified as “Interviewer” within the transcripts; research participants are identified as “Participant.” Each speaker tag is accompanied by a time stamp. Interviews are labeled #1–30 and compiled into a single file to allow for global searches of the data. Transcripts from potential participants who were unable to complete the interview questions have been removed., 1. Title of Dataset Data from: Community Credit Interviews on Trust in Consumer Financial Services 1. Author Information Bill Maurer University of California, Irvine *Corresponding author Melissa Wrapp University of California, Irvine Ellen Kladky University of California, Irvine 1. Description of the data and file structure The Community Credit research project explores pathways for trusted collaboration between credit unions and the communities they serve. To understand the experiences of people historically underserved by the consumer financial services industry, we focused in particular on the lived experience of low-income residents in Southern California. As part of a larger, mixed-methods study, in 2022 we conducted 30 semi-structured interviews exploring peoples everyday financial practices and their attitudes toward consumer financial services providers. This data set contains the transcripts from the interviews after excluding any personally identifying data. Direc...本数据集源自「社区信用研究项目」（Community Credit research project），该项目旨在探索信用合作社（credit unions）与其服务社区之间开展可信协作的可行路径。为理解长期以来被消费金融服务行业忽视的群体的体验，研究特别聚焦于南加州低收入居民的切身经历。作为一项大型混合方法研究（mixed-methods study）的组成部分，课题组于2022年开展了30场半结构化访谈（semi-structured interviews），以探究人们日常的金融行为模式，以及他们对消费金融服务提供商的态度。本数据集包含所有访谈的转录文本，已剔除所有可识别个人身份的信息。 所有研究材料与流程均已通过加州大学欧文分校人类研究保护办公室（University of California, Irvine Office of Human Research Protections）与伦理审查委员会（Institutional Review Board，协议编号：20216839）的审批。本研究成果基于美国国家科学基金会（National Science Foundation）资助项目（项目编号：2137567）完成。任何观点、发现、结论或建议…… 访谈参与者通过本项目其他数据收集渠道招募，包括社区倾听会、摄影发声工作坊（photovoice workshops）以及大规模问卷调查。参与者需满足以下条件方可参与访谈：居住于奥兰治县或洛杉矶县、年满18周岁、家庭总收入低于10万美元。尽管访谈聚焦于参与者的个人经历，但部分参与者也谈及了他们在为金融边缘化群体发声的本地非营利组织工作的体验。 访谈通过电话或Zoom平台开展。每场访谈均以获取知情同意与录音许可作为开端。访谈遵循一份包含10个问题的访谈提纲（详见《访谈指南》文件），但根据对话的自然流转与参与者愿意分享的详细程度，问题的提问顺序与讨论深度会灵活调整…… 转录文本中，访谈者被标识为「访谈员（Interviewer）」，研究参与者被标识为「参与者（Participant）」，每个发言标签均附带时间戳。所有访谈被编号为#1至#30，并整合至单个文件中，以支持对数据集的全局检索。未完成全部访谈问题的潜在参与者的转录文本已被移除。 1. 数据集标题 数据来源：《关于消费金融服务信任度的社区信用访谈数据集》（Data from: Community Credit Interviews on Trust in Consumer Financial Services） 1. 作者信息 比尔·莫勒（Bill Maurer） 加州大学欧文分校（University of California, Irvine） *通讯作者 梅利莎·拉普（Melissa Wrapp） 加州大学欧文分校 埃伦·克拉德基（Ellen Kladky） 加州大学欧文分校 1. 数据与文件结构说明 本社区信用研究项目旨在探索信用合作社与其服务社区之间的可信协作路径。为理解长期以来被消费金融服务行业忽视的群体的体验，研究特别聚焦于南加州低收入居民的切身经历。作为一项大型混合方法研究的组成部分，课题组于2022年开展了30场半结构化访谈，以探究人们日常的金融行为模式，以及他们对消费金融服务提供商的态度。本数据集包含所有访谈的转录文本，已剔除所有可识别个人身份的信息。 Direc...