T Friedline
Biographic Data
| ID | 58693 |
|---|---|
| NAME | T Friedline |
| GIVEN NAMES | T |
| FAMILY NAME | Friedline |
| SIGNATURE | FRIEDLINE T |
| AFFILIATIONS | University of Kansas |
| ORCID | 0000-0001-6391-2566 |
| VERIFIED | Yes |
| TOTAL WORKS | 41 |
| TOTAL CITATIONS | 205 |
| AUTHOR COUNT | 41 |
| EDITOR COUNT | 0 |
| FIRST PUBLICATION YEAR | 2011 |
| LATEST PUBLICATION YEAR | 2025 |
| H-INDEX | 7 |
Census Tract and Neighborhood Racial Change and the Locational Decisions of Financial Services in Metro Detroit
Scholarship on the geography of US retail financial services consistently finds racialized patterns in the locations of traditional (e.g. banks, credit unions) and higher-cost or alternative (e.g. payday lenders, check cashers) financial services. While scholars tend to offer explanations based on spatial void and market segmentation hypotheses, we theorize these racialized patterns as consistent with a social reproduction of investment and dives…
A Conversation with Matt Remle
Introduction to the Special Issue on “The Political and Economic Contexts of Families’ Financial Lives”
“There Is No Winning”
A range of health effects are associated with debt burdens from ubiquitous access to expensive credit. These health effects are concerning, especially for women who owe multiple types of higher-cost debt simultaneously and experience significantly higher stress associated with their debt burdens when compared to men. While debt burdens have been shown to contribute to poor mental and physical health, the potential gendered and racialized effects …
Frontline Worker Discretion in the For‐Profit Banking Industry
In April and May 2020, the United States banking industry approved over $650 billion in federal relief funds as part of the Paycheck Protection Program (PPP). Since then, extensive evidence of discriminatory lending has been revealed by investigative journalism and academic studies. Our study is based on 41 interviews with frontline banking professionals conducted during the days and weeks of the PPP rollout. We find that under the crisis conditi…
Fintech as invasive infrastructure
Financial technologies or 'fintech'-an array of digital technologies ranging from mobile banking and digital payment systems to cryptocurrencies and blockchain technologies-are heralded for solving problems of access to financial products and services and improving people's participation in the economy. However, we contend that fintech is an invasive infrastructure by learning from Indigenous theorizing of oil and gas pipelines alongside concepts…
Credit Scoring as a Carceral Practice
Public Cash Assistance and Spatial Predation
In the past 3 decades, there has been a general contraction of social support while the high-cost lending industry has expanded. We examine how state-level variation in the generosity of Temporary Assistance for Needy Families (TANF) cash assistance affects the distribution of high-cost payday lenders across local communities between 2001 and 2017. When TANF support is relatively more generous, the density of payday lending storefronts increases …
Payday lenders and premature mortality
Relationships between debt and poor health are worrisome as access to expensive credit expands and population health worsens along certain metrics. We focus on payday lenders as one type of expensive credit and investigate the spatial relationships between lender storefronts and premature mortality rates. We combine causes of death data from the Centers for Disease Control and Prevention (CDC) and payday lender locations at the county-level in th…
A National Examination on Payday Loan Use and Financial Well-being
Dismantling White Supremacy and Promoting Antiracism in Social Work
The social work profession in the United States is striving to advance antiracism amidst increasing threats of white supremacist violence. However, tensions and paradoxes in the contexts of academic research and knowledge development, education and teaching, and service undermine the profession’s efforts. Structural or institutional processes—in higher education broadly and in schools of social work specifically—shape who publishes research, educ…
Banks as Racialized and Gendered Organizations
Banking as an industry and banks as organizations play central roles in determining access to credit and routine retail banking. However, the persistence of well-documented inequalities necessitates questions about how banks provide access. Through in-depth interviews with 36 bank employees, we deployed theories of racialized and gendered organizations to explore banks’ familiar, routinized practices and procedures. Bank employees’ highly predict…
Financial education as political education
The ability of individual-level interventions to improve people’s financial conditions is compromised when the root causes of precarity develop at systems levels. While it can be a challenge to intervene at the systems-level, we contend that one approach is for social work and allied professions to treat financial education as political education. Building on the activist organizing approaches of Paulo Freire and the Black feminist scholarship of…
Families’ Financial Stress & Well-Being
Doubling Down on Racial Capitalism during Covid-19
The COVID-19 Pandemic Recession has revealed examples of systematic discrimination within a wide range of industries, including banking. Using data from interviews conducted with bank employees in March and April 2020, we explore how private banks exemplify racialized organizations and operate within the broader economic system of racial capitalism that prioritizes pursuit of profits over the interests of their customers. We explain how the banki…
Why Do Households Lack Emergency Savings? The Role of Financial Capability
The promises and perils of community benefits agreements
Communities are using benefits agreements to advocate for economic investments in the context of bank mergers. This study used descriptive and critical discourse analyses to analyze 438 public comments on the 2016 KeyBank–First Niagara merger that included a five-year, $16.5B benefits agreement. Community members universally expressed opposition to the merger. However, the Federal Reserve's process disempowered community members whose opposition …
The Racialized Costs of "Traditional" Banking in Segregated America
Digital Redlining
Financial technologies (fintech) are proposed to expand access to financial services in rural communities as bank branches decline; however, poor rural communities and rural communities of color have limited access to high-speed internet connections required for fintech. Leveraging the universe of U.S. rural zip codes, this paper investigates associations between communities’ poverty rates, racial makeup, and rates of fintech. Poor rural communit…
Does the composition of financial services in a community relate to an Individual’s savings account ownership
This study extends research on financial inclusion by exploring the composition of financial services within communities. Using propensity-score-adjusted probit regression, we explored associations with savings account ownership using restriscted-access, cross-sectional data from the 2015 National Financial Capability Study with merged financial services and community demographic data. Living in communities where the density of banks and credit u…
Coming Up Short
Objective: Existing research on savings and liquid-asset accumulation is largely quantitative and focuses on descriptions of how income inequality leads to the ability or inability to save. What has been left out of this body of research is an in-depth exploration of the role family composition may play in the way that households accumulate liquid assets. The purpose of this research is to understand how lower and higher income single- and two-pa…
They will go like I did”
We're not rich, but we're definitely not poor
Financial capability of parents of kindergarteners
Do Community Characteristics Relate to Young Adult College Students’ Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy
This study examines the extent of emergent, outstanding credit card debt among young adult college students and investigates whether any associations existed between this credit card debt and the characteristics of the communities in which these students grew up or lived. Using data ( N = 748) from a longitudinal survey and merging community characteristics measured at the zip code level, we confirmed that a community's unemployment rate, average…
Transforming wealth
Taking stock of ten years of research on the relationship between assets and children's educational outcomes
The Racialized Costs of "Traditional" Banking in Segregated America
Predicting Savings From Adolescence to Young Adulthood
This paper examines the progression of savings between adolescence and young adulthood. Using data from the Panel Study of Income Dynamics, we ask whether the likelihood of having a savings account in young adulthood and the amount of savings can be significantly predicted by two factors: having a savings account during adolescence and having parents who own assets. Descriptive statistics reveal that adolescents with savings accounts are more oft…
Does the composition of financial services in a community relate to an Individual’s savings account ownership
This study extends research on financial inclusion by exploring the composition of financial services within communities. Using propensity-score-adjusted probit regression, we explored associations with savings account ownership using restriscted-access, cross-sectional data from the 2015 National Financial Capability Study with merged financial services and community demographic data. Living in communities where the density of banks and credit u…
Digital Redlining
Financial technologies (fintech) are proposed to expand access to financial services in rural communities as bank branches decline; however, poor rural communities and rural communities of color have limited access to high-speed internet connections required for fintech. Leveraging the universe of U.S. rural zip codes, this paper investigates associations between communities’ poverty rates, racial makeup, and rates of fintech. Poor rural communit…
Connections with banking institutions and diverse asset portfolios in young adulthood
Predicting children's savings
Banks as Racialized and Gendered Organizations
Banking as an industry and banks as organizations play central roles in determining access to credit and routine retail banking. However, the persistence of well-documented inequalities necessitates questions about how banks provide access. Through in-depth interviews with 36 bank employees, we deployed theories of racialized and gendered organizations to explore banks’ familiar, routinized practices and procedures. Bank employees’ highly predict…
We're not rich, but we're definitely not poor
Coming of Age on a Shoestring Budget
Lower-income millennials make important financial decisions that may affect their future financial well-being. With limited resources, this population is at risk for acquiring too much debt or being unprepared for a financial emergency that can send them further into poverty and constrain their ability to leverage resources for future economic mobility. A financial capability approach, an intervention that combines financial education with financ…
The Potential for Savings Accounts to Protect Young-Adult Households from Unsecured Debt in Periods of Macroeconomic Stability and Decline
The effects of different types of debt can vary widely: some debt is considered productive by advancing financial health, while other debt can be unproductive, pushing financial health out of reach. A savings account may be associated with young-adult households’ reduced reliance on unproductive debt and their increased access to productive debt that can facilitate wealth building. This article tests the association between a savings account and …
Public Cash Assistance and Spatial Predation
In the past 3 decades, there has been a general contraction of social support while the high-cost lending industry has expanded. We examine how state-level variation in the generosity of Temporary Assistance for Needy Families (TANF) cash assistance affects the distribution of high-cost payday lenders across local communities between 2001 and 2017. When TANF support is relatively more generous, the density of payday lending storefronts increases …
Do Community Characteristics Relate to Young Adult College Students’ Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy
This study examines the extent of emergent, outstanding credit card debt among young adult college students and investigates whether any associations existed between this credit card debt and the characteristics of the communities in which these students grew up or lived. Using data ( N = 748) from a longitudinal survey and merging community characteristics measured at the zip code level, we confirmed that a community's unemployment rate, average…
Student debt and hardship
Fintech as invasive infrastructure
Financial technologies or 'fintech'-an array of digital technologies ranging from mobile banking and digital payment systems to cryptocurrencies and blockchain technologies-are heralded for solving problems of access to financial products and services and improving people's participation in the economy. However, we contend that fintech is an invasive infrastructure by learning from Indigenous theorizing of oil and gas pipelines alongside concepts…
Accumulating assets, debts in young adulthood
Small-dollar children's saving accounts and children's college outcomes by race
Predicting savings and mental accounting among adolescents
Credit Scoring as a Carceral Practice
Financial education as political education
The ability of individual-level interventions to improve people’s financial conditions is compromised when the root causes of precarity develop at systems levels. While it can be a challenge to intervene at the systems-level, we contend that one approach is for social work and allied professions to treat financial education as political education. Building on the activist organizing approaches of Paulo Freire and the Black feminist scholarship of…
Coming Up Short
Objective: Existing research on savings and liquid-asset accumulation is largely quantitative and focuses on descriptions of how income inequality leads to the ability or inability to save. What has been left out of this body of research is an in-depth exploration of the role family composition may play in the way that households accumulate liquid assets. The purpose of this research is to understand how lower and higher income single- and two-pa…
Savings From Ages 16 to 35
This study examines savings from childhood to young adulthood with a sample of 14,223 individuals from the 1996 Survey of Income and Program Participation (SIPP). We employed a cohort sequential accelerated latent growth model that combined a series of cohorts to represent a common developmental trajectory spanning 19 years—ages 16–35—and accounted for relevant covariates. Descriptively, the proportions of savings account ownership increased stea…
Probability of living through a period of economic instability
Dismantling White Supremacy and Promoting Antiracism in Social Work
The social work profession in the United States is striving to advance antiracism amidst increasing threats of white supremacist violence. However, tensions and paradoxes in the contexts of academic research and knowledge development, education and teaching, and service undermine the profession’s efforts. Structural or institutional processes—in higher education broadly and in schools of social work specifically—shape who publishes research, educ…
Predicting Savings From Adolescence to Young Adulthood
This paper examines the progression of savings between adolescence and young adulthood. Using data from the Panel Study of Income Dynamics, we ask whether the likelihood of having a savings account in young adulthood and the amount of savings can be significantly predicted by two factors: having a savings account during adolescence and having parents who own assets. Descriptive statistics reveal that adolescents with savings accounts are more oft…
Taking stock of ten years of research on the relationship between assets and children's educational outcomes
Predicting savings and mental accounting among adolescents
Predicting children's savings
Probability of living through a period of economic instability
Family assets, postsecondary education, and students with disabilities
Accumulating assets, debts in young adulthood
Connections with banking institutions and diverse asset portfolios in young adulthood
Small-dollar children's saving accounts and children's college outcomes by race
Savings From Ages 16 to 35
This study examines savings from childhood to young adulthood with a sample of 14,223 individuals from the 1996 Survey of Income and Program Participation (SIPP). We employed a cohort sequential accelerated latent growth model that combined a series of cohorts to represent a common developmental trajectory spanning 19 years—ages 16–35—and accounted for relevant covariates. Descriptively, the proportions of savings account ownership increased stea…
Preventive Policy Strategy for Banking the Unbanked
Concern over percentages of unbanked and underbanked households in the United States and their lack of connectedness to the financial mainstream has led to policy strategies geared toward reaching these households. Using nationally-representative longitudinal data, a preventive strategy for banking households is tested that asks whether young adults are more likely to be banked and own a diversity of financial assets when they are connected to th…
Educational and Financial Institutions Partnering to Implement CSAs
Educational and financial institutions are increasingly partnering to open Children’s Savings Accounts (CSAs); however, little is known about these partnerships’ effectiveness for planning and implementing CSAs. A 2011 invitational priority from the Department of Education encouraged partnerships between Gaining Early Awareness and Readiness for Undergraduate Programs (GEAR UP) programs and financial institutions to open CSAs for low-income stude…
Transforming wealth
Student debt and hardship
Coming of Age on a Shoestring Budget
Lower-income millennials make important financial decisions that may affect their future financial well-being. With limited resources, this population is at risk for acquiring too much debt or being unprepared for a financial emergency that can send them further into poverty and constrain their ability to leverage resources for future economic mobility. A financial capability approach, an intervention that combines financial education with financ…
The Potential for Savings Accounts to Protect Young-Adult Households from Unsecured Debt in Periods of Macroeconomic Stability and Decline
The effects of different types of debt can vary widely: some debt is considered productive by advancing financial health, while other debt can be unproductive, pushing financial health out of reach. A savings account may be associated with young-adult households’ reduced reliance on unproductive debt and their increased access to productive debt that can facilitate wealth building. This article tests the association between a savings account and …
Coming Up Short
Objective: Existing research on savings and liquid-asset accumulation is largely quantitative and focuses on descriptions of how income inequality leads to the ability or inability to save. What has been left out of this body of research is an in-depth exploration of the role family composition may play in the way that households accumulate liquid assets. The purpose of this research is to understand how lower and higher income single- and two-pa…
They will go like I did”
We're not rich, but we're definitely not poor
Financial capability of parents of kindergarteners
Do Community Characteristics Relate to Young Adult College Students’ Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy
This study examines the extent of emergent, outstanding credit card debt among young adult college students and investigates whether any associations existed between this credit card debt and the characteristics of the communities in which these students grew up or lived. Using data ( N = 748) from a longitudinal survey and merging community characteristics measured at the zip code level, we confirmed that a community's unemployment rate, average…
Digital Redlining
Financial technologies (fintech) are proposed to expand access to financial services in rural communities as bank branches decline; however, poor rural communities and rural communities of color have limited access to high-speed internet connections required for fintech. Leveraging the universe of U.S. rural zip codes, this paper investigates associations between communities’ poverty rates, racial makeup, and rates of fintech. Poor rural communit…
Does the composition of financial services in a community relate to an Individual’s savings account ownership
This study extends research on financial inclusion by exploring the composition of financial services within communities. Using propensity-score-adjusted probit regression, we explored associations with savings account ownership using restriscted-access, cross-sectional data from the 2015 National Financial Capability Study with merged financial services and community demographic data. Living in communities where the density of banks and credit u…
Why Do Households Lack Emergency Savings? The Role of Financial Capability
The promises and perils of community benefits agreements
Communities are using benefits agreements to advocate for economic investments in the context of bank mergers. This study used descriptive and critical discourse analyses to analyze 438 public comments on the 2016 KeyBank–First Niagara merger that included a five-year, $16.5B benefits agreement. Community members universally expressed opposition to the merger. However, the Federal Reserve's process disempowered community members whose opposition …
Economics (27 works) · Business (26 works) · Finance (26 works) · Financial Literacy, Pension, Retirement Analysis (23 works) · Political science (18 works) · Sociology (17 works) · Demographic economics (15 works) · Psychology (15 works) · Housing Market and Economics (12 works) · Housing, Finance, and Neoliberalism (11 works)