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The global increase in mobile penetration has created opportunities to serve the unbanked using mobile-based Digital Financial Services (DFS) for greater financial inclusion but there have not been any DFS-based interventions around ROSCAs. In this paper, we report a qualitative study involving 80 individuals to understand the dynamics of ROSCAs and opportunities for their digitization in the Pakistani context. We also present a smartphone-based Digital ROSCA platform designed on top of a simulated mobile money system. The platform was designed to be inclusive towards low-literate users. We present qualitative findings of its evaluation with 15 users (3 individual ROSCA groups). We find that digitization has the potential to support and strengthen traditional ROSCAs by mitigating issues like record-keeping, delayed payments, collection, distribution, and safety of money. It also allows the creation of payment history for individuals that can be used to score their financial credibility.<\/jats:p>","DOI":"10.1145\/3274304","type":"journal-article","created":{"date-parts":[[2019,11,8]],"date-time":"2019-11-08T13:40:21Z","timestamp":1573220421000},"page":"1-30","update-policy":"https:\/\/doi.org\/10.1145\/crossmark-policy","source":"Crossref","is-referenced-by-count":23,"title":["Towards Digitization of Collaborative Savings Among Low-Income Groups"],"prefix":"10.1145","volume":"3","author":[{"given":"Hamid","family":"Mehmood","sequence":"first","affiliation":[{"name":"Information Technology University, Lahore, Pakistan"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Tallal","family":"Ahmad","sequence":"additional","affiliation":[{"name":"Information Technology University, Lahore, Pakistan"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Lubna","family":"Razaq","sequence":"additional","affiliation":[{"name":"Information Technology University, Lahore, Pakistan"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Shrirang","family":"Mare","sequence":"additional","affiliation":[{"name":"University of Washington, Seattle, WA, USA"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Maryem Zafar","family":"Usmani","sequence":"additional","affiliation":[{"name":"Information Technology University, Lahore, Pakistan"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Richard","family":"Anderson","sequence":"additional","affiliation":[{"name":"University of Washington, Seattle, WA, USA"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Agha Ali","family":"Raza","sequence":"additional","affiliation":[{"name":"Information Technology University, Lahore, Punjab, Pakistan"}],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"320","published-online":{"date-parts":[[2019,11,7]]},"reference":[{"key":"e_1_2_1_1_1","unstructured":"PopTech Accelerator. 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