Aminata Coly: Young people’s use of digital payment methods. Financial practices and associated risks

Various studies have shown that the physical nature of money contributes to its social significance. The digitalisation of financial services has encouraged young adults to adopt digital methods of storing, managing and paying with money. These new forms of financial services are emerging alongside new methods of bank fraud, which are claiming an increasing number of victims.

It is against this backdrop of the digitalisation of payments that this research into young people and their financial habits is set. This demographic group, characterised by various changes in social and professional status, is considered to be more tech-savvy than others and is thought to be one of the driving forces behind the spread of new forms of technological culture.

The aim of this thesis is to describe and examine young people’s digital practices relating to household accounting, payments and saving. The research will explore how they make use of digital tools for accessing money, how these practices fit into their life trajectories, and what risks are associated with the digitalisation of banking services.