Evaluating Budgeting Apps: Limited Support for Budgeting Compared to Tracking

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Evaluating Budgeting Apps: Limited Support for Budgeting Compared to Tracking

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Author(s): Mariam Alenazi , Corina Sas

Publication date (Print): August 2023

Conference name: 36th International BCS Human-Computer Interaction Conference (BCS HCI 23)

Conference theme: The BCS Human-Computer Interaction Conference 2023 was co-located with the INTERACT 2023 conference, the theme of which was "Design for Equlity and Justice", as increasingly, computer science as a discipline is becoming concerned about issues of justice and equality – from fake news to rights for robots, from the ethics of driverless vehicles to the gamergate controversy. The BCS HCI Conference welcomed submissions on all aspects of human-computer interaction. Topics included: User Experience, usability testing and interaction design; Education and Health; Smart Energy, Smart Transport and the Internet of Things; Interaction Technologies and Applications.

Conference date: 28–29 August 2023

Keywords: Financial behaviours, Budgeting apps, Money envelopes

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Mariam Alenazi

Corina Sas

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Publication date: August 2023

Publication date (Print): August 2023

Pages: 1-12

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[0001]Lancaster University

Lancaster, UK

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DOI: 10.14236/ewic/BCSHCI2023.1

SO-VID: 1a6566cc-a720-48b8-a6e5-5b07603be860

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This work is licensed under a Creative Commons Attribution 4.0 Unported License. To view a copy of this license, visit http://creativecommons.org/licenses/by/4.0/

Conference name: 36th International BCS Human-Computer Interaction Conference

Conference acronym: BCS HCI 23

Conference number: 36

Conference location: University of York, UK

Conference date: 28–29 August 2023

Conference sponsor: Electronic Workshops in Computing (eWiC)

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1477-9358 BCS Learning & Development

Self URI (article page): https://www.scienceopen.com/hosted-document?doi=10.14236/ewic/BCSHCI2023.1

Self URI (journal page): https://ewic.bcs.org/

REFERENCES

A.s., S. (2013) Spendee Budget & Money Tracker, Google Play. Available at: https://play.google.com/store/apps/details?id=com.cleevio.spendee%0A (Accessed: 1 April 2022).
Almoallim, S. and Sas, C. (2022) ‘Toward Research-Informed Design Implications for Interventions Limiting Smartphone Use: Functionalities Review of Digital Well-being Apps’, JMIR Formative Research, 6(4). doi: 10.2196/31730.
Bitrián, P., Buil, I. and Catalán, S. (2021) ‘Making finance fun: the gamification of personal financial management apps’, International Journal of Bank Marketing, 39(7), pp. 1310–1332. doi: 10.1108/IJBM-02-2021-0074.
Chung, A. E. et al. (2018) ‘Health and fitness apps for hands-free voice-activated assistants: Content analysis’, JMIR mHealth and uHealth, 6(9), pp. 1–13. doi: 10.2196/mhealth.9705.
Connell, D. (2017) Fudget: Budget and expense tracking app, Google Play. Available at: https://play.google.com/store/apps/details?id=com.dannyconnell.android.fudget%0A (Accessed: 1 April 2022).
DigitLeaf, llc (2016) Budget planner—Expense tracker, Google Play. Available at: https://play.google.com/store/apps/details?id=com.colpit.diamondcoming.isavemoney (Accessed: 1 April 2022).
DigitLeaf, L. (2017) Family budget-spending tracker, Google Play. Available at: https://play.google.com/store/apps/details?id=com.colpit.diamondcoming.isavemoneygo%0A (Accessed: 1 April 2022).
Estimate, B.-B. (2019) Expense Tracker & Budget App, Google Play. Available at: https://play.google.com/store/apps/details?id=expense.tracker.income.receipt.budget (Accessed: 1 April 2022).
Gunaratne, J. and Nov, O. (2015) ‘Informing and improving retirement saving performance using behavioral economics theory-driven user interfaces’, Conference on Human Factors in Computing Systems - Proceedings, 2015-April, pp. 917–920. doi: 10.1145/2702123.2702408.
HG Group Inc. (2020) Budget App - Expense Tracker, Google Play. Available at: https://play.google.com/store/apps/details?id=com.hg.moneymanager.budgetapp (Accessed: 1 April 2022).
Kaye, J. J. et al. (2014) ‘Money talks: Tracking personal finances’, Conference on Human Factors in Computing Systems - Proceedings, pp. 521–530. doi: 10.1145/2556288.2556975.
Labs, V. (2019) Expense Tracker - Money Manager & Budget, Google Play. Available at: https://play.google.com/store/apps/details?id=com.vlab.expense.tracker (Accessed: 1 April 2022).
Lee, M. K., Kiesler, S. and Forlizzi, J. (2011) ‘Mining behavioral economics to design persuasive technology for healthy choices’, Conference on Human Factors in Computing Systems - Proceedings, pp. 325–334. doi: 10.1145/1978942.1978989.
Letondor, B. (2015) EasyBudget - Personal budget planning made simple, Google Play. Available at: https://play.google.com/store/apps/details?id=com.benoitletondor.easybudgetapp (Accessed: 1 April 2022).
Lewis, M. and Perry, M. (2019) ‘Follow the money: Managing personal finance digitally’, Conference on Human Factors in Computing Systems - Proceedings, pp. 1–14. doi: 10.1145/3290605.3300620.
LLC, Ib. (2017) Money pro, Google Play. Available at: https://play.google.com/store/apps/details?id= com.ibearsoft.moneyproandroid%0A (Accessed: 1 April 2022).
Lolla, S. and Sas, C. (2023) ‘Evaluating Mobile Apps Targeting Personal Goals’, Conference on Human Factors in Computing Systems - Proceedings. doi: 10.1145/3544549.3585725
North, H. (2011) MoneyWise, Google Play. Available at: https://play.google.com/store/apps/ details?id=com.handynorth.moneywise_free% 0A (Accessed: 1 April 2022).
Park, J., Lee, H. and Park, S. (2021) ‘Goldentime: Exploring system-driven timeboxing and micro-financial incentives for self-regulated phone use’, Conf. on Human Factors in Computing Systems - Proceedings. doi: 10.1145/3411764.3445489.
Partners, D. (no date) Goodbudget: Budget & Finance, Google Play. Available at: https://play.google.com/store/apps/details?id=com.dayspringtech.envelopes%0A (Accessed: 1 April 2022).
Qu, C. et al. (2020) ‘Functionality of top-rated mobile apps for depression: Systematic search and evaluation’, JMIR Mental Health, 7(1), pp. 1–13. doi: 10.2196/15321.
QYResearch (no date) Global Personal Financial Management Tools Market Size, Status and Forecast 2019-2025. Available at: https://www.marketresearch.com/QYResearch-Group-v3531/Global-Personal-Financial-Management-Tools-12732938/ (Accessed: 26 December 2022).
Snow, S. and Vyas, D. (2015a) ‘Fixing the alignment: An exploration of budgeting practices in the home’, Conference on Human Factors in Computing Systems - Proceedings, 18, pp. 2271–2276. doi: 10.1145/2702613.2732808.
Snow, S. and Vyas, D. (2015b) ‘Fostering collaboration in the management of family finances’, OzCHI 2015: Being Human - Conference Proceedings, pp. 380–387. doi: 10.1145/2838739.2838746.
Softs, E. (no date) Home Budget - Money Manager, Google Play. Available at: https://play.google.com/store/apps/details?id=com.easysoftsalahi.app.appFree%0A (Accessed: 1 April 2022).
Stockinger, T. et al. (2013) ‘SmartPiggy: A piggy bank that talks to your smartphone’, Proceedings of the 12th International Conference on Mobile and Ubiquitous Multimedia, MUM 2013, 43, pp. 5–6. doi: 10.1145/2541831.2541869.
Tanu, F. (2011) SimpleBudget (Envelope Budget), Google Play. Available at: https://play.google.com/store/apps/details?id=com.simplebudget%0A (Accessed: 1 April 2022).
Thaler, R. H. (1999) ‘Mental accounting matters’, Journal of Behavioral Decision Ma, 206(September 1998), pp. 241–268. doi: 10.1017/CBO9780511803475.015.
Vines, J., Dunphy, P. and Monk, A. (2014) ‘Pay or delay: The role of technology when managing a low income’, Conference on Human Factors in Computing Systems - Proceedings, pp. 501–510. doi: 10.1145/2556288.2556961.
VoPo (2015) Easy Home Finance, Google Play. Available at: https://play.google.com/store/apps/ details?id=vopo.easyhomefinance (Accessed: 1 April 2022).
Vyas, D. et al. (2015) ‘Being thrifty on a $100K wage: Austerity in family finances’, Proceedings of the ACM Conference on Computer Supported Cooperative Work, CSCW, 2015-Janua, pp. 167–170. doi: 10.1145/2685553.2698998.
Vyas, D. et al. (2016) ‘Social organization of household finance: Understanding artful financial systems in the home’, in Proceedings of the ACM Conference on Computer Supported Cooperative Work, CSCW. Association for Computing Machinery, pp. 1777–1789. doi: 10.1145/2818048.2819937.

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[1] A.s., S. (2013) Spendee Budget & Money Tracker, Google Play. Available at: https://play.google.com/store/apps/details?id=com.cleevio.spendee%0A (Accessed: 1 April 2022).

[2] Almoallim, S. and Sas, C. (2022) ‘Toward Research-Informed Design Implications for Interventions Limiting Smartphone Use: Functionalities Review of Digital Well-being Apps’, JMIR Formative Research, 6(4). doi: 10.2196/31730.

[3] Bitrián, P., Buil, I. and Catalán, S. (2021) ‘Making finance fun: the gamification of personal financial management apps’, International Journal of Bank Marketing, 39(7), pp. 1310–1332. doi: 10.1108/IJBM-02-2021-0074.

[4] Chung, A. E. et al. (2018) ‘Health and fitness apps for hands-free voice-activated assistants: Content analysis’, JMIR mHealth and uHealth, 6(9), pp. 1–13. doi: 10.2196/mhealth.9705.

[5] Connell, D. (2017) Fudget: Budget and expense tracking app, Google Play. Available at: https://play.google.com/store/apps/details?id=com.dannyconnell.android.fudget%0A (Accessed: 1 April 2022).

[6] DigitLeaf, llc (2016) Budget planner—Expense tracker, Google Play. Available at: https://play.google.com/store/apps/details?id=com.colpit.diamondcoming.isavemoney (Accessed: 1 April 2022).

[7] DigitLeaf, L. (2017) Family budget-spending tracker, Google Play. Available at: https://play.google.com/store/apps/details?id=com.colpit.diamondcoming.isavemoneygo%0A (Accessed: 1 April 2022).

[8] Estimate, B.-B. (2019) Expense Tracker & Budget App, Google Play. Available at: https://play.google.com/store/apps/details?id=expense.tracker.income.receipt.budget (Accessed: 1 April 2022).

[9] Gunaratne, J. and Nov, O. (2015) ‘Informing and improving retirement saving performance using behavioral economics theory-driven user interfaces’, Conference on Human Factors in Computing Systems - Proceedings, 2015-April, pp. 917–920. doi: 10.1145/2702123.2702408.

[10] HG Group Inc. (2020) Budget App - Expense Tracker, Google Play. Available at: https://play.google.com/store/apps/details?id=com.hg.moneymanager.budgetapp (Accessed: 1 April 2022).

[11] Kaye, J. J. et al. (2014) ‘Money talks: Tracking personal finances’, Conference on Human Factors in Computing Systems - Proceedings, pp. 521–530. doi: 10.1145/2556288.2556975.

[12] Labs, V. (2019) Expense Tracker - Money Manager & Budget, Google Play. Available at: https://play.google.com/store/apps/details?id=com.vlab.expense.tracker (Accessed: 1 April 2022).

[13] Lee, M. K., Kiesler, S. and Forlizzi, J. (2011) ‘Mining behavioral economics to design persuasive technology for healthy choices’, Conference on Human Factors in Computing Systems - Proceedings, pp. 325–334. doi: 10.1145/1978942.1978989.

[14] Letondor, B. (2015) EasyBudget - Personal budget planning made simple, Google Play. Available at: https://play.google.com/store/apps/details?id=com.benoitletondor.easybudgetapp (Accessed: 1 April 2022).

[15] Lewis, M. and Perry, M. (2019) ‘Follow the money: Managing personal finance digitally’, Conference on Human Factors in Computing Systems - Proceedings, pp. 1–14. doi: 10.1145/3290605.3300620.

[16] LLC, Ib. (2017) Money pro, Google Play. Available at: https://play.google.com/store/apps/details?id= com.ibearsoft.moneyproandroid%0A (Accessed: 1 April 2022).

[17] Lolla, S. and Sas, C. (2023) ‘Evaluating Mobile Apps Targeting Personal Goals’, Conference on Human Factors in Computing Systems - Proceedings. doi: 10.1145/3544549.3585725

[18] North, H. (2011) MoneyWise, Google Play. Available at: https://play.google.com/store/apps/ details?id=com.handynorth.moneywise_free% 0A (Accessed: 1 April 2022).

[19] Park, J., Lee, H. and Park, S. (2021) ‘Goldentime: Exploring system-driven timeboxing and micro-financial incentives for self-regulated phone use’, Conf. on Human Factors in Computing Systems - Proceedings. doi: 10.1145/3411764.3445489.

[20] Partners, D. (no date) Goodbudget: Budget & Finance, Google Play. Available at: https://play.google.com/store/apps/details?id=com.dayspringtech.envelopes%0A (Accessed: 1 April 2022).

[21] Qu, C. et al. (2020) ‘Functionality of top-rated mobile apps for depression: Systematic search and evaluation’, JMIR Mental Health, 7(1), pp. 1–13. doi: 10.2196/15321.

[22] QYResearch (no date) Global Personal Financial Management Tools Market Size, Status and Forecast 2019-2025. Available at: https://www.marketresearch.com/QYResearch-Group-v3531/Global-Personal-Financial-Management-Tools-12732938/ (Accessed: 26 December 2022).

[23] Snow, S. and Vyas, D. (2015a) ‘Fixing the alignment: An exploration of budgeting practices in the home’, Conference on Human Factors in Computing Systems - Proceedings, 18, pp. 2271–2276. doi: 10.1145/2702613.2732808.

[24] Snow, S. and Vyas, D. (2015b) ‘Fostering collaboration in the management of family finances’, OzCHI 2015: Being Human - Conference Proceedings, pp. 380–387. doi: 10.1145/2838739.2838746.

[25] Softs, E. (no date) Home Budget - Money Manager, Google Play. Available at: https://play.google.com/store/apps/details?id=com.easysoftsalahi.app.appFree%0A (Accessed: 1 April 2022).

[26] Stockinger, T. et al. (2013) ‘SmartPiggy: A piggy bank that talks to your smartphone’, Proceedings of the 12th International Conference on Mobile and Ubiquitous Multimedia, MUM 2013, 43, pp. 5–6. doi: 10.1145/2541831.2541869.

[27] Tanu, F. (2011) SimpleBudget (Envelope Budget), Google Play. Available at: https://play.google.com/store/apps/details?id=com.simplebudget%0A (Accessed: 1 April 2022).

[28] Thaler, R. H. (1999) ‘Mental accounting matters’, Journal of Behavioral Decision Ma, 206(September 1998), pp. 241–268. doi: 10.1017/CBO9780511803475.015.

[29] Vines, J., Dunphy, P. and Monk, A. (2014) ‘Pay or delay: The role of technology when managing a low income’, Conference on Human Factors in Computing Systems - Proceedings, pp. 501–510. doi: 10.1145/2556288.2556961.

[30] VoPo (2015) Easy Home Finance, Google Play. Available at: https://play.google.com/store/apps/ details?id=vopo.easyhomefinance (Accessed: 1 April 2022).

[31] Vyas, D. et al. (2015) ‘Being thrifty on a $100K wage: Austerity in family finances’, Proceedings of the ACM Conference on Computer Supported Cooperative Work, CSCW, 2015-Janua, pp. 167–170. doi: 10.1145/2685553.2698998.

[32] Vyas, D. et al. (2016) ‘Social organization of household finance: Understanding artful financial systems in the home’, in Proceedings of the ACM Conference on Computer Supported Cooperative Work, CSCW. Association for Computing Machinery, pp. 1777–1789. doi: 10.1145/2818048.2819937.

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Evaluating Budgeting Apps: Limited Support for Budgeting Compared to Tracking

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