This article contributes to contemporary ethnographies concerning poverty and digital financial inclusion in Europe. More specifically, it explores how poor Roma families engage with digital banking cards at home in Romania and when they travel to work in the informal economy in Denmark. The analysis conceptually unfolds “access” as a framework for financial inclusion and applies it to an empirical case of three brothers in a Roma family. On this basis, the article argues that cashless initiatives can, perhaps unintentionally, be a driving element in new practices of social exclusion. Without a comprehensive approach toward ensuring “de facto access” for the marginalized communities, which takes all dimensions of access into account, digital financial initiatives can potentially push them further to the periphery of the global economy.

中文翻译：

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获取现金（无）：边缘化罗姆人社区的现金依赖、债务和数字金融

本文有助于当代关于欧洲贫困和数字金融普惠的民族志研究。更具体地说，它探讨了贫穷的罗姆人家庭如何在罗马尼亚的家中使用数字银行卡，以及他们何时前往丹麦的非正规经济部门工作。该分析从概念上展开了作为金融普惠框架的“准入”，并将其应用于一个罗姆家庭三兄弟的实证案例。在此基础上，文章认为，无现金举措可能无意中成为社会排斥新做法的驱动因素。如果没有一种全面的方法来确保边缘化社区的“事实上的访问”，即考虑到访问的所有方面，数字金融计划有可能将他们进一步推向全球经济的边缘。