Cashed Out: When Progress Leaves People Behind

This is a design justice zine for the INM317 Design Justice module at City, University of London. "Cashed Out: When Progress Leaves People Behind" critically examines how the rapid transition to cashless payment systems creates and amplifies social injustices through digital exclusion.The zine investigates how contactless payment technologies, while promising convenience and efficiency, systematically exclude vulnerable populations, including elderly citizens, unbanked individuals, people experiencing homelessness, those with disabilities, and communities with limited digital literacy. Drawing on design justice principles and frameworks from the course materials, this publication presents evidence of how seemingly neutral payment interfaces embed discriminatory assumptions about users' access to banking, smartphones, stable internet connections, and digital skills.本刊物为伦敦城市大学（City, University of London）INM317设计正义（Design Justice）课程模块的自制刊物，其主题为《现金退场：当进步将人们抛在身后》，批判性审视了向无现金支付体系的快速转型如何通过数字排斥制造并加剧社会不公。该刊物探究了非接触支付技术虽承诺提供便捷与高效，却系统性排斥了老年群体、无银行账户人群、无家可归者、残障人士以及数字素养匮乏社区等弱势群体。本刊物依托课程材料中的设计正义原则与分析框架，揭示了看似中立的支付界面如何嵌入了针对用户获取银行服务、智能手机、稳定网络连接及数字技能的歧视性预设。