DOI: 10.5061/dryad.rn8pk0phx
title: Data from: Community Credit interviews on trust in consumer financial services

description: 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 recommendations expressed in this material are those of the
 author(s) and do not necessarily reflect the views of the National Science
 Foundation.
description: 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 with sharing. The average interview time was
 54 minutes.
description: 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.
description: 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. Directory of files Filename:
 Maurer2022CommunityCreditInterviews_Transcripts.txt Description:
 Time-stamped, anonymized transcripts from semi-structured interviews.
 Filename: Maurer2022CommunityCreditInterviews_Question Guide.txt
 Description: List of questions that guided the semi-structured interviews.