DOI: 10.5061/dryad.rbnzs7hht
title: Data from: Community Credit mapping of 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 mapped the landscape of
 financial services providers and advertisements in low-income
 neighborhoods in Orange County. Through documenting the presence of
 alternative financial services (AFS) providers and fringe financial
 advertisements, alongside traditional financial services providers, we
 investigated the spatial relationship between these businesses, as well as
 the factors that create consumers’ sense of (dis)trust in them. This data
 set contains photographs taken as part of this mapping research. 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: Data was collected over the course of
 five trips throughout Orange County, California, between November 2021 and
 February 2022, yielding 420 photographs. Areas of focus were determined by
 utilizing the 2019 Family Financial Stability Index (FFSI; Parsons et
 al.), a multivariate metric developed for Orange County United Way to
 measure the financial stability of families with children under 18. Each
 trip, researchers navigated to financial services providers in
 neighborhoods of low family financial stability. In addition to
 photographing these providers, researchers drove block-by-block through
 the area and documented traditional and fringe financial advertisements
 found on telephone poles, billboards, bus shelters, and the like.
 Photographs were only taken in public spaces of material in plain
 view.
description: Photographs are organized in folders
 according to trip (labeled A through E). Each photo is labeled by the trip
 and a number (e.g. “TripX_AdMapping_X.jpeg”). The photo directory
 associated with each trip contains the photo file names, descriptions and
 notes, and type (billboard, storefront, phone pole ad, etc.). Trip A took
 place in southern Santa Ana and western Orange; trip B was in northern
 Santa Ana and southern Anaheim; trip C was in northern Anaheim, Placentia,
 and Fullerton; trip D was in western Anaheim and northern Garden Grove;
 and trip E was in western Anaheim, northern Garden Grove, and Westminster.
 A map of Orange County coded according to the FFSI is included in the
 supplemental information (where red and dark orange indicate a
 neighborhood with a low score). The map also identifies local credit
 unions, community research partners, alternative financial services
 providers, and a selection of photographs from the mapping
 research.