The MONFIN project proposes the analysis of the transformation of money. It is interested in the implications that these transformations have on the practices and attitudes of the population, the subjective meaning that the different social groups give to money and the implications of said processes in terms of financial exclusion and processes of financing everyday life. MONFIN is an interdisciplinary project that, based on areas such as economics, sociology and economic history, will help to explain how payment methods and practices are being transformed, which are the actors and processes involved in these transformations and which are its social consequences in terms of financial inclusion of inidividuals.

The upcoming implementation of digital currencies issued by Central Banks (CBDCs), such as the 'digital Euro', as well as the implosion of cryptocurrencies and the reconceptualization of monetary functions as a result of the expansion of platform-based monetary instruments linked to technological giants (Amazon and Alipay, among others), entails numerous challenges related to the digital and financial exclusion of certain groups (elderly, dependent people, people on lists of defaulters, low-income groups or inhabitants of rural areas ).

Likewise, these transformations entail important changes related to the structure of monetary transactions, which in turn leads to new behavior patterns in relation to how, how much, when and how we spend our money. In this line, the present project is aimed at the analysis of the attitudes and monetary behavior of individuals, taking into account their gender, age and income level. The main thesis of the project is that the transformations of the means of payment deepen the financial exclusion of the lowest income groups and the highest age groups. At the same time, these transformations involve a process of financialization of economic practices in the rest of the groups, more than a process of inclusion or financial democratization. In turn, our project proposes the identification of different relational accounting models according to gender, which leads to the identification of different saving, spending, indebtedness and investment patterns between men and women.