{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,8,5]],"date-time":"2026-08-05T16:21:50Z","timestamp":1785946910132,"version":"3.56.0"},"publisher-location":"New York, NY, USA","reference-count":49,"publisher":"ACM","license":[{"start":{"date-parts":[[2023,10,14]],"date-time":"2023-10-14T00:00:00Z","timestamp":1697241600000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/www.acm.org\/publications\/policies\/copyright_policy#Background"}],"funder":[{"name":"KAIST","award":["G04210045"],"award-info":[{"award-number":["G04210045"]}]}],"content-domain":{"domain":["dl.acm.org"],"crossmark-restriction":true},"short-container-title":[],"published-print":{"date-parts":[[2023,10,14]]},"DOI":"10.1145\/3584931.3607018","type":"proceedings-article","created":{"date-parts":[[2023,10,13]],"date-time":"2023-10-13T22:23:10Z","timestamp":1697235790000},"page":"132-137","update-policy":"https:\/\/doi.org\/10.1145\/crossmark-policy","source":"Crossref","is-referenced-by-count":9,"title":["Together we turn Uncertainty into Action: Understanding the Role of Artificial Intelligence in Supporting the Financial Concerns of Older Adults"],"prefix":"10.1145","author":[{"ORCID":"https:\/\/orcid.org\/0000-0002-6042-5313","authenticated-orcid":false,"given":"Yubin","family":"Choi","sequence":"first","affiliation":[{"name":"School of Computing, KAIST, Korea, Republic of"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0002-3392-6243","authenticated-orcid":false,"given":"Dasom","family":"Choi","sequence":"additional","affiliation":[{"name":"Department of Industrial Design, KAIST, Korea, Republic of"}],"role":[{"vocabulary":"crossref","role":"author"}]},{"ORCID":"https:\/\/orcid.org\/0000-0001-5268-3331","authenticated-orcid":false,"given":"Hwajung","family":"Hong","sequence":"additional","affiliation":[{"name":"Department of Industrial Design, KAIST, Korea, Republic of"}],"role":[{"vocabulary":"crossref","role":"author"}]}],"member":"320","published-online":{"date-parts":[[2023,10,14]]},"reference":[{"key":"e_1_3_2_1_1_1","unstructured":"[n. d.]. AI and longevity. https:\/\/agelab.mit.edu\/static\/uploads\/mit-agelab-ai-longevity_wp-04-21-1357_ada.pdf  [n. d.]. AI and longevity. https:\/\/agelab.mit.edu\/static\/uploads\/mit-agelab-ai-longevity_wp-04-21-1357_ada.pdf"},{"key":"e_1_3_2_1_2_1","unstructured":"2022. Retirement insecurity 2021: Americans\u2019 Views of Retirement. https:\/\/www.nirsonline.org\/reports\/retirementinsecurity2021\/  2022. Retirement insecurity 2021: Americans\u2019 Views of Retirement. https:\/\/www.nirsonline.org\/reports\/retirementinsecurity2021\/"},{"key":"e_1_3_2_1_3_1","volume-title":"Retrieved January 11th","year":"2023","unstructured":"atlas.ti. accessed 2023 . atlas.ti . Retrieved January 11th , 2023 from https:\/\/atlasti.com atlas.ti. accessed 2023. atlas.ti. Retrieved January 11th, 2023 from https:\/\/atlasti.com"},{"key":"e_1_3_2_1_4_1","unstructured":"World Bank. 2022. COVID-19 drives global surge in use of digital payments. (2022).  World Bank. 2022. COVID-19 drives global surge in use of digital payments. (2022)."},{"key":"e_1_3_2_1_5_1","volume-title":"The heterogeneous effect of retirement on informal care behavior. Health economics 29, 10","author":"Bergeot Julien","year":"2020","unstructured":"Julien Bergeot and Rom\u00e9o Fontaine . 2020. The heterogeneous effect of retirement on informal care behavior. Health economics 29, 10 ( 2020 ), 1101\u20131116. Julien Bergeot and Rom\u00e9o Fontaine. 2020. The heterogeneous effect of retirement on informal care behavior. Health economics 29, 10 (2020), 1101\u20131116."},{"key":"e_1_3_2_1_6_1","unstructured":"Tara\u00a0Siegel Bernard. 2018. \u2019Too little Too late\u2019: Bankruptcy booms among older Americans. https:\/\/www.nytimes.com\/2018\/08\/05\/business\/bankruptcy-older-americans.html  Tara\u00a0Siegel Bernard. 2018. \u2019Too little Too late\u2019: Bankruptcy booms among older Americans. https:\/\/www.nytimes.com\/2018\/08\/05\/business\/bankruptcy-older-americans.html"},{"key":"e_1_3_2_1_7_1","doi-asserted-by":"publisher","DOI":"10.14453\/aabfj.v16i5.07"},{"key":"e_1_3_2_1_8_1","volume-title":"AI-bank of the future: Can banks meet the AI challenge","author":"Biswas Suparna","year":"2020","unstructured":"Suparna Biswas , Brant Carson , Violet Chung , Shwaitang Singh , and Renny Thomas . 2020. AI-bank of the future: Can banks meet the AI challenge . New York : McKinsey & Company ( 2020 ). Suparna Biswas, Brant Carson, Violet Chung, Shwaitang Singh, and Renny Thomas. 2020. AI-bank of the future: Can banks meet the AI challenge. New York: McKinsey & Company (2020)."},{"key":"e_1_3_2_1_9_1","volume-title":"Using thematic analysis in psychology. Qualitative research in psychology 3, 2","author":"Braun Virginia","year":"2006","unstructured":"Virginia Braun and Victoria Clarke . 2006. Using thematic analysis in psychology. Qualitative research in psychology 3, 2 ( 2006 ), 77\u2013101. Virginia Braun and Victoria Clarke. 2006. Using thematic analysis in psychology. Qualitative research in psychology 3, 2 (2006), 77\u2013101."},{"key":"e_1_3_2_1_10_1","doi-asserted-by":"publisher","DOI":"10.2139\/ssrn.3786232"},{"key":"e_1_3_2_1_11_1","volume-title":"AI in finance: A review. Available at SSRN 3647625","author":"Cao Longbing","year":"2020","unstructured":"Longbing Cao . 2020. AI in finance: A review. Available at SSRN 3647625 ( 2020 ). Longbing Cao. 2020. AI in finance: A review. Available at SSRN 3647625 (2020)."},{"key":"e_1_3_2_1_12_1","volume-title":"Social and emotional aging. Annual review of psychology 61","author":"Charles T","year":"2010","unstructured":"Susan\u00a0 T Charles and Laura\u00a0 L Carstensen . 2010. Social and emotional aging. Annual review of psychology 61 ( 2010 ), 383\u2013409. Susan\u00a0T Charles and Laura\u00a0L Carstensen. 2010. Social and emotional aging. Annual review of psychology 61 (2010), 383\u2013409."},{"key":"e_1_3_2_1_13_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.jbusres.2017.11.029"},{"key":"e_1_3_2_1_14_1","doi-asserted-by":"publisher","DOI":"10.1093\/geronb\/gbu018"},{"key":"e_1_3_2_1_15_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.chb.2015.11.027"},{"key":"e_1_3_2_1_16_1","doi-asserted-by":"publisher","DOI":"10.1093\/rfs\/hhz014"},{"key":"e_1_3_2_1_17_1","unstructured":"Editorial. 2023. Urgent pension reform. https:\/\/www.koreatimes.co.kr\/www\/opinion\/2023\/05\/202_343757.html  Editorial. 2023. Urgent pension reform. https:\/\/www.koreatimes.co.kr\/www\/opinion\/2023\/05\/202_343757.html"},{"key":"e_1_3_2_1_18_1","unstructured":"Chae\u00a0Rim Ha. 2021. \"After retirement 170 million won is required for children\u2019s education and marriage...Retirement benefits are less than 100 million.\". https:\/\/www.yna.co.kr\/view\/AKR20210111074800002  Chae\u00a0Rim Ha. 2021. \"After retirement 170 million won is required for children\u2019s education and marriage...Retirement benefits are less than 100 million.\". https:\/\/www.yna.co.kr\/view\/AKR20210111074800002"},{"key":"e_1_3_2_1_19_1","doi-asserted-by":"publisher","DOI":"10.1108\/JES-09-2021-0453"},{"key":"e_1_3_2_1_20_1","unstructured":"Choi Jae-hee. 2021. [life unprepared] South Korea\u2019s rapid financial digitalization in eyes of seniors. https:\/\/www.koreaherald.com\/view.php?ud=20210620000161  Choi Jae-hee. 2021. [life unprepared] South Korea\u2019s rapid financial digitalization in eyes of seniors. https:\/\/www.koreaherald.com\/view.php?ud=20210620000161"},{"key":"e_1_3_2_1_21_1","unstructured":"Choi Jae-hee. 2021. [life unprepared] South Korea\u2019s rapid financial digitalization in eyes of seniors. https:\/\/www.koreaherald.com\/view.php?ud=20210620000161  Choi Jae-hee. 2021. [life unprepared] South Korea\u2019s rapid financial digitalization in eyes of seniors. https:\/\/www.koreaherald.com\/view.php?ud=20210620000161"},{"key":"e_1_3_2_1_22_1","doi-asserted-by":"publisher","DOI":"10.1145\/3517428.3544820"},{"key":"e_1_3_2_1_23_1","doi-asserted-by":"publisher","DOI":"10.3390\/ijerph19042121"},{"key":"e_1_3_2_1_24_1","doi-asserted-by":"publisher","DOI":"10.1145\/2556288.2556975"},{"key":"e_1_3_2_1_25_1","doi-asserted-by":"publisher","DOI":"10.1145\/3290607.3299025"},{"key":"e_1_3_2_1_26_1","volume-title":"d.]. Public Opinion Poll on Education","author":"Kwon Sun\u00a0Hyung","year":"2022","unstructured":"Sun\u00a0Hyung Kwon . [n. d.]. Public Opinion Poll on Education 2022 . https:\/\/www.kedi.re.kr\/khome\/main\/research\/selectPubForm.do Sun\u00a0Hyung Kwon. [n. d.]. Public Opinion Poll on Education 2022. https:\/\/www.kedi.re.kr\/khome\/main\/research\/selectPubForm.do"},{"key":"e_1_3_2_1_27_1","doi-asserted-by":"publisher","DOI":"10.1145\/3491102.3501845"},{"key":"e_1_3_2_1_28_1","doi-asserted-by":"crossref","unstructured":"Wenli Li and Michelle\u00a0J White. 2019. Financial distress among the elderly: Bankruptcy reform and the financial crisis. (2019).  Wenli Li and Michelle\u00a0J White. 2019. Financial distress among the elderly: Bankruptcy reform and the financial crisis. (2019).","DOI":"10.2139\/ssrn.3540468"},{"key":"e_1_3_2_1_29_1","first-page":"407","article-title":"The changing face of debt and financial fragility at older ages. In AEA Papers and Proceedings, Vol.\u00a0108. American Economic Association 2014 Broadway","volume":"37203","author":"Lusardi Annamaria","year":"2018","unstructured":"Annamaria Lusardi , Olivia\u00a0 S Mitchell , and Noemi Oggero . 2018 . The changing face of debt and financial fragility at older ages. In AEA Papers and Proceedings, Vol.\u00a0108. American Economic Association 2014 Broadway , Suite 305, Nashville, TN 37203 , 407 \u2013 411 . Annamaria Lusardi, Olivia\u00a0S Mitchell, and Noemi Oggero. 2018. The changing face of debt and financial fragility at older ages. In AEA Papers and Proceedings, Vol.\u00a0108. American Economic Association 2014 Broadway, Suite 305, Nashville, TN 37203, 407\u2013411.","journal-title":"Suite 305, Nashville, TN"},{"key":"e_1_3_2_1_30_1","doi-asserted-by":"publisher","DOI":"10.1007\/978-3-030-78108-8_5"},{"key":"e_1_3_2_1_31_1","doi-asserted-by":"publisher","DOI":"10.1145\/3170427.3188677"},{"key":"e_1_3_2_1_32_1","doi-asserted-by":"publisher","DOI":"10.3390\/ijfs8030045"},{"key":"e_1_3_2_1_33_1","unstructured":"Mint. [n. d.]. Managing money made simple. https:\/\/mint.intuit.com\/  Mint. [n. d.]. Managing money made simple. https:\/\/mint.intuit.com\/"},{"key":"e_1_3_2_1_34_1","unstructured":"Lauren Popham and Susan Silberman. [n. d.]. U.S. Wealth Gap Widening 47 Million Older American Households Facing Financial Risks. https:\/\/assets-us-01.kc-usercontent.com\/ffacfe7d-10b6-0083-2632-604077fd4eca\/5a0fdb8f-979f-4595-b6c3-85baaabcfc36\/part-d-cost-sharing-chart-2023.pdf  Lauren Popham and Susan Silberman. [n. d.]. U.S. Wealth Gap Widening 47 Million Older American Households Facing Financial Risks. https:\/\/assets-us-01.kc-usercontent.com\/ffacfe7d-10b6-0083-2632-604077fd4eca\/5a0fdb8f-979f-4595-b6c3-85baaabcfc36\/part-d-cost-sharing-chart-2023.pdf"},{"key":"e_1_3_2_1_35_1","volume-title":"Perceptions and Challenges in Using AI-enabled Everyday Technologies. arXiv preprint arXiv:2210.01369","author":"Shandilya Esha","year":"2022","unstructured":"Esha Shandilya and Mingming Fan . 2022. Understanding Older Adults \u2019 Perceptions and Challenges in Using AI-enabled Everyday Technologies. arXiv preprint arXiv:2210.01369 ( 2022 ). Esha Shandilya and Mingming Fan. 2022. Understanding Older Adults\u2019 Perceptions and Challenges in Using AI-enabled Everyday Technologies. arXiv preprint arXiv:2210.01369 (2022)."},{"key":"e_1_3_2_1_36_1","unstructured":"Waneen\u00a0Wyrick Spirduso Karen\u00a0L Francis and Priscilla\u00a0G MacRae. 1995. Physical dimensions of aging. Vol.\u00a0798. Human kinetics Champaign.  Waneen\u00a0Wyrick Spirduso Karen\u00a0L Francis and Priscilla\u00a0G MacRae. 1995. Physical dimensions of aging. Vol.\u00a0798. Human kinetics Champaign."},{"key":"e_1_3_2_1_37_1","doi-asserted-by":"crossref","unstructured":"OO Stryzhak. 2020. The relationship between education income economic freedom and happiness. (2020).  OO Stryzhak. 2020. The relationship between education income economic freedom and happiness. (2020).","DOI":"10.1051\/shsconf\/20207503004"},{"key":"e_1_3_2_1_38_1","volume-title":"Seyyed Mohammad\u00a0Tabatabaei Mehrizi, and Abdoreza Roshan","author":"Taft Marzieh\u00a0Kalantarie","year":"2013","unstructured":"Marzieh\u00a0Kalantarie Taft , Zare\u00a0Zardeini Hosein , Seyyed Mohammad\u00a0Tabatabaei Mehrizi, and Abdoreza Roshan . 2013 . The relation between financial literacy, financial wellbeing and financial concerns. International journal of business and management 8, 11 (2013), 63. Marzieh\u00a0Kalantarie Taft, Zare\u00a0Zardeini Hosein, Seyyed Mohammad\u00a0Tabatabaei Mehrizi, and Abdoreza Roshan. 2013. The relation between financial literacy, financial wellbeing and financial concerns. International journal of business and management 8, 11 (2013), 63."},{"key":"e_1_3_2_1_39_1","doi-asserted-by":"publisher","DOI":"10.14236\/ewic\/HCI2011.29"},{"key":"e_1_3_2_1_40_1","doi-asserted-by":"publisher","DOI":"10.1145\/2207676.2208569"},{"key":"e_1_3_2_1_41_1","volume-title":"Technology to support aging in place: Older adults","author":"Wang Shengzhi","unstructured":"Shengzhi Wang , Khalisa Bolling , Wenlin Mao , Jennifer Reichstadt , Dilip Jeste , Ho-Cheol Kim , and Camille Nebeker . 2019. Technology to support aging in place: Older adults \u2019 perspectives. In Healthcare, Vol .\u00a07. MDPI , 60. Shengzhi Wang, Khalisa Bolling, Wenlin Mao, Jennifer Reichstadt, Dilip Jeste, Ho-Cheol Kim, and Camille Nebeker. 2019. Technology to support aging in place: Older adults\u2019 perspectives. In Healthcare, Vol.\u00a07. MDPI, 60."},{"key":"e_1_3_2_1_42_1","first-page":"45","article-title":"The art of coding and thematic exploration in qualitative research","volume":"15","author":"Williams Michael","year":"2019","unstructured":"Michael Williams and Tami Moser . 2019 . The art of coding and thematic exploration in qualitative research . International Management Review 15 , 1 (2019), 45 \u2013 55 . Michael Williams and Tami Moser. 2019. The art of coding and thematic exploration in qualitative research. International Management Review 15, 1 (2019), 45\u201355.","journal-title":"International Management Review"},{"key":"e_1_3_2_1_43_1","doi-asserted-by":"publisher","DOI":"10.1093\/geronb\/51B.4.S217"},{"key":"e_1_3_2_1_44_1","doi-asserted-by":"publisher","DOI":"10.1093\/geronb\/58.4.S212"},{"key":"e_1_3_2_1_45_1","volume-title":"Bloomberggpt: A large language model for finance. arXiv preprint arXiv:2303.17564","author":"Wu Shijie","year":"2023","unstructured":"Shijie Wu , Ozan Irsoy , Steven Lu , Vadim Dabravolski , Mark Dredze , Sebastian Gehrmann , Prabhanjan Kambadur , David Rosenberg , and Gideon Mann . 2023 . Bloomberggpt: A large language model for finance. arXiv preprint arXiv:2303.17564 (2023). Shijie Wu, Ozan Irsoy, Steven Lu, Vadim Dabravolski, Mark Dredze, Sebastian Gehrmann, Prabhanjan Kambadur, David Rosenberg, and Gideon Mann. 2023. Bloomberggpt: A large language model for finance. arXiv preprint arXiv:2303.17564 (2023)."},{"key":"e_1_3_2_1_46_1","doi-asserted-by":"publisher","DOI":"10.1080\/01449291003793793"},{"key":"e_1_3_2_1_47_1","volume-title":"Worries and Plans as Individuals Approach Retirement.Benefits quarterly 27, 2","author":"Yakoboski J","year":"2011","unstructured":"Paul\u00a0 J Yakoboski . 2011. Worries and Plans as Individuals Approach Retirement.Benefits quarterly 27, 2 ( 2011 ). Paul\u00a0J Yakoboski. 2011. Worries and Plans as Individuals Approach Retirement.Benefits quarterly 27, 2 (2011)."},{"key":"e_1_3_2_1_48_1","unstructured":"Jie Ye-eun. 2020. [herald interview] \u201cstart saving as early as possible for financial freedom in later years\u201d. https:\/\/www.koreaherald.com\/view.php?ud=20200614000119  Jie Ye-eun. 2020. [herald interview] \u201cstart saving as early as possible for financial freedom in later years\u201d. https:\/\/www.koreaherald.com\/view.php?ud=20200614000119"},{"key":"e_1_3_2_1_49_1","doi-asserted-by":"publisher","DOI":"10.1177\/0733464818770772"}],"event":{"name":"CSCW '23: Computer Supported Cooperative Work and Social Computing","location":"Minneapolis MN USA","acronym":"CSCW '23","sponsor":["SIGCHI ACM Special Interest Group on Computer-Human Interaction"]},"container-title":["Computer Supported Cooperative Work and Social Computing"],"original-title":[],"link":[{"URL":"https:\/\/dl.acm.org\/doi\/10.1145\/3584931.3607018","content-type":"unspecified","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/dl.acm.org\/doi\/pdf\/10.1145\/3584931.3607018","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,6,17]],"date-time":"2025-06-17T18:08:48Z","timestamp":1750183728000},"score":1,"resource":{"primary":{"URL":"https:\/\/dl.acm.org\/doi\/10.1145\/3584931.3607018"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2023,10,14]]},"references-count":49,"alternative-id":["10.1145\/3584931.3607018","10.1145\/3584931"],"URL":"https:\/\/doi.org\/10.1145\/3584931.3607018","relation":{},"subject":[],"published":{"date-parts":[[2023,10,14]]},"assertion":[{"value":"2023-10-14","order":2,"name":"published","label":"Published","group":{"name":"publication_history","label":"Publication History"}}]}}