DOI: 10.5061/dryad.q83bk3jpr
title: Data from: Community Credit Photovoice project 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 a five-week
 photovoice workshop exploring participants’ economic lives and experiences
 with consumer financial services. Photovoice is a community-based
 participatory research method in which participants narrate and analyze
 their lived experiences using photography. This data set contains the
 transcripts from the photovoice sessions 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: In December 2021, the UCI Community
 Credit research team hosted a public Zoom meeting for local nonprofits and
 community-based organizations to introduce the research project and the
 photovoice method. Attendees assisted in implementing snowball sampling
 recruitment of photovoice participants, who were then pre-screened based
 on eligibility criteria. Participants were eligible to complete an
 interview if they lived in Orange County or Los Angeles County, were older
 than 18, and had a combined household income of less than $100,000.
 Eligible participants then attended an orientation session in which the
 UCI team explained the project and the required technology, obtained
 informed consent for recording sessions and the use of photos, and
 answered participant questions. Photovoice sessions were conducted over the
 Zoom platform in a combination of full group dialogues and small breakout
 groups. There were five sessions held over the course of five weeks in
 March and April 2022. Sessions 1–4 were two hours long. Session 5 (the
 public “share out” session) was one hour long. Sessions were conducted in
 English and Khmer (the primary language of three participants) using
 consecutive interpretation. In between sessions, participants uploaded
 photos they took to the VoiceThread platform, where they were also able to
 write captions and comment on other participants’ photos. The photovoice sessions were run by four
 facilitators (three from UC Irvine and one photovoice practitioner from
 PhotovoiceWorldwide) with the assistance of two volunteer interpreters.
 There were eight participants. Although the project began with ten
 participants, two were determined to be ineligible due to discrepancies in
 their location data and non-participation, they were removed from the
 study after the second session. Participants who completed the
 photo-taking assignments and attended sessions were compensated for their
 time and efforts with three Amazon gift cards, disbursed after sessions
 3–5. The first two rounds
 of participant photo-taking were guided by questions derived from previous
 community listening sessions. They centered on perceptions of community
 resources, unmet needs, and trust. The third round of photo-taking was
 guided by questions that participants developed themselves in session
 three, focused on the themes of stability and sacrifice. Across the five
 sessions, participants learned about photovoice, how to take photos, and
 the ethics of photo-taking; discussed their photos and the experience of
 using photography to answer research questions; wrote titles and captions
 for photos; developed themes to categorize the photos; and presented their
 findings to partners and stakeholders. The participant-developed themes
 were sacrifice/creativity, support networks, balance, and
 uncertainty/resilience.
description: The data include transcripts from
 each of the five photovoice sessions. Within the transcripts, “plenary
 session” indicates full group conversations, whereas “breakout session”
 indicates a small group discussion in a Zoom breakout room. There are
 speaker tags for facilitators, participants, interpreters, and audience
 members (in Session 5); each speaker tag is accompanied by a time stamp.
 Because the sessions were consecutively interpreted in real-time, speech
 in Khmer is indicated in brackets (“[Khmer]”). The photos under discussion
 are briefly described in the transcripts in brackets. Where necessary,
 some brief cues related to gestures or screensharing are also provided in
 brackets. Direct identifiers and potentially identifiable information have
 been anonymized or removed.
description: 1. Title of Dataset Data from: Community Credit Photovoice Project on
 Trust in Consumer Financial Services 1. Author Information Bill Maurer
 University of California, Irvine *Corresponding
 author Laura Lorenz Brandeis University Jenny Fan University of
 California, Irvine Melissa Wrapp University of California, Irvine Ellen
 Kladky University of California, Irvine Bryan Truitt 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 a five-week
 photovoice workshop exploring participants' economic lives and
 experiences with consumer financial services. Photovoice is a
 community-based participatory research method in which participants
 narrate and analyze their lived experiences using photography. This data
 set contains the transcripts from the photovoice sessions after excluding
 any personally identifying data. Directory of files Filename:
 Maurer2022CommunityCreditPhotovoice_TranscriptSession1.txt Description:
 Time-stamped, anonymized transcripts from photovoice session 1. Filename:
 Maurer2022CommunityCreditPhotovoice_TranscriptSession2.txt Description:
 Time-stamped, anonymized transcripts from photovoice session 2. Filename:
 Maurer2022CommunityCreditPhotovoice_TranscriptSession3.txt Description:
 Time-stamped, anonymized transcripts from photovoice session 3. Filename:
 Maurer2022CommunityCreditPhotovoice_TranscriptSession4.txt Description:
 Time-stamped, anonymized transcripts from photovoice session 4. Filename:
 Maurer2022CommunityCreditPhotovoice_TranscriptSession5.txt Description:
 Time-stamped, anonymized transcripts from photovoice session 5.