Financial stability is a key challenge for individuals with bipolar disorder, a serious mental illness requiring life-long management. Symptomatic periods often lead to poor financial decision-making, including compulsive spending and risky behaviors. Widespread consumer adoption of financial technologies ("fintech") has accelerated in recent years, with numerous consumer-centric applications providing insight into personal financial behavior in exchange for access to financial data. We believe these technologies can be applied to meaningfully support individual resilience in this population and, potentially, the resilience of families and surrounding networks of care. However, little is known about this population's unique perspectives, expectations, or privacy preferences related to financial data sharing for these purposes. To this end, we deployed an online survey (N=480) to assess the privacy expectations of individuals with bipolar disorder surrounding the use of financial data as an early-warning indicator of symptoms. A factorial vignette design allowed us to vary vignette dimensions across the granularity of financial data types, context of potential data use, and recipient of data insights. This exploratory analysis demonstrates that individuals are most comfortable sharing financial data when they were the only party to receive algorithmically-generated insights, while factors such as context of use and granularity of data types were less significant. Individuals who were most willing to engage creditors or other financial technologies for assistance were significantly more willing to share with family members and clinicians.

翻译：财务稳定性是双相障碍（一种需终身管理的严重精神疾病）患者面临的关键挑战。疾病发作期常导致不良财务决策，包括强迫性消费和冒险行为。近年来，消费者对金融科技（"fintech"）的广泛采用不断加速，众多以消费者为中心的应用程序通过获取财务数据洞察个人金融行为。我们相信这些技术可被应用于有效提升该群体的个体韧性，并可能惠及其家庭与周边照护网络。然而，针对该群体在相关场景下对财务数据共享的独特视角、期望或隐私偏好仍知之甚少。为此，我们开展了一项在线调查（样本量N=480），评估双相障碍患者对将财务数据作为症状早期预警指标的隐私预期。通过析因情境设计，我们操纵了财务数据类型粒度、潜在数据使用场景及洞察接收方三个情境维度。探索性分析表明：当个体作为算法生成洞察的唯一接收方时对财务数据共享的接受度最高，而使用场景与数据类型粒度等因素的影响较弱。最愿意寻求债权人或其他金融科技帮助的个体，其与家属及临床医生共享数据的意愿也显著更高。