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Instead, they get involved in informal transnational transactions that, while flexible, are often risky and full of hassles. We looked into this issue through an online survey (n=127) and engaged with multiple stakeholders (n=16), including the Iranian immigrant community in Canada, to co-design an application called ?Kabootar' that matches senders and receivers of money across borders. In this application, a sender-receiver pair is matched with a pertinent pair sending money in the opposite direction. By facilitating two intra-national transactions in local currencies instead of two relatively complicated inter-national transactions, the need for money to cross borders is eliminated while staying within the boundaries of the law. Our user study (n=13) revealed several tensions in users trusting such informal transnational transactions. This work contributes to CSCW, HCI, and social computing's growing scholarship in personalized and collaborative computing technologies by advocating for a novel design approach based on collaboration and informality and extends their scope to the domain of FinTech for politically marginalized communities.<\/jats:p>","DOI":"10.1145\/3555109","type":"journal-article","created":{"date-parts":[[2022,11,11]],"date-time":"2022-11-11T22:59:06Z","timestamp":1668207546000},"page":"1-32","update-policy":"https:\/\/doi.org\/10.1145\/crossmark-policy","source":"Crossref","is-referenced-by-count":11,"title":["\"Kabootar\": Towards Informal, Trustworthy, and Community-Based FinTech for Marginalized Immigrants"],"prefix":"10.1145","volume":"6","author":[{"given":"Yasaman","family":"Rohanifar","sequence":"first","affiliation":[{"name":"University of Toronto, Toronto, ON, Canada"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Sharifa","family":"Sultana","sequence":"additional","affiliation":[{"name":"Cornell University, Ithaca, NY, USA"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Shaid","family":"Hasan","sequence":"additional","affiliation":[{"name":"BUET, Dhaka, Bangladesh"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Priyank","family":"Chandra","sequence":"additional","affiliation":[{"name":"University of Toronto, Toronto, ON, Canada"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"given":"Syed Ishtiaque","family":"Ahmed","sequence":"additional","affiliation":[{"name":"University of Toronto, Toronto, ON, Canada"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"320","published-online":{"date-parts":[[2022,11,11]]},"reference":[{"key":"e_1_2_2_1_1","unstructured":"2015. 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