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Social patterning of economic subjectivities and the digital transformation of retail finance in Switzerland

Economic sociology and finance studies have long noted differences in financial decision-making across gender, socioeconomic groups, and age, among others. These differences are typically attributed to financial preferences, constraints as well as to socialization influences.

However, today, an increasing part of our financial choices is delegated to digital devices: we rely on financial apps for our mortgage, credit and investment choices. How do these devices change financial decision-making? Will they make financial decisions across groups increasingly similar, or will they increase differences? This project seeks to find it out.