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One of the main drivers of China's e-commerce boom is the dramatic expansion of the country's Internet finance industry, which has grown and diversified at a staggering rate over the past decade. The emergence of Chinese Internet finance has been discussed in largely positive terms as facilitating commercial activity. It has also been linked to the wider developmental goal of promoting financial inclusion through the provision of financial services to previously excluded populations. Emerging from the global microfinance movement, the concept of financial inclusion depicts increased access to financial services (particularly credit) as an inherently beneficial means of empowering the poor and driving bottom-up economic development. This article challenges this dominant narrative of beneficial digital financial inclusion in China. It draws on the growing body of literature critiquing the global financial inclusion movement, and examines examples of exploitation, fraud, instability, and extraction related to expanded digital financial coverage in contemporary China. It then demonstrates that digital financial inclusion is part and parcel of the Chinese government's plans to create a social credit system in an attempt to construct a "trustworthy society." In this way, digital financial inclusion can be seen as a key element in a wider project of expanding surveillance through big data in order to close down spaces for those seeking to contest the hegemonic socioeconomic order. The article argues that these examples illuminate fundamental processes implicit in the expansion of the commercial Internet finance industry. In this way, while the extension of digital financial inclusion in China benefits certain groups, it also necessarily serves to reproduce patterns of inequality and exploitation. (China Perspect/GIGA)

The recording and verbatim transcription of interviews is often considered to be one of the more tedious but necessary aspects of the in-depth qualitative research process. While transcription is undoubtedly a necessary methodological tool for researchers focusing specifically on discourse and language, it has also been widely adopted by researchers across the social sciences, and is sometimes advocated as a means of inherently improving the rigour of qualitative research. Based on recent experience from fieldwork in rural China, where I had initially expected to utilise the verbatim transcription method, in this article I critically assess the role of transcription in the design, implementation, and outcome of cross-cultural multilingual qualitative research. I argue that, in certain cases, verbatim transcription can limit the kind of information that may be considered valuable as data, and delay the processes of data reduction and analysis, thus separating the researcher from the fieldwork event. In response to these critiques, I propose an alternative approach to collecting, categorising, coding, and analysing qualitative data: the systematic and reflexive interviewing and reporting (SRIR) method. The SRIR method utilises semi-structured and unstructured interviews conducted by two or more researchers. After completing an interview, researchers engage in reflexive dialogue, and jointly write interview and analysis reports. In this way, the SRIR method begins the process of coding and analysis in situ, thus facilitating critical engagement with emergent themes during fieldwork rather than afterwards. The method is, therefore, ideally suited to research projects that are designed to be open ended and flexible, in order to follow up on new information and potentially even change focus.

SUMMARY
Financial technology, or simply 'fin-tech', is increasingly seen as one of the key tools to facilitate poverty reduction and local economic development. One article in particular by Tavneet Suri and William Jack published in the leading publication Science has played a hugely influential role in promoting the fin-tech model in the global South using the example of Kenya's iconic M-Pesa money transfer platform. The authors' central claim is that M-Pesa has been instrumental in facilitating a major episode of poverty reduction. Our analysis shows that their analysis and claims are extremely problematic.

AbstractThis article examines irregular South‐South migration from China to Ghana, and the role it played in transforming livelihoods and broader developmental landscapes. It looks at the entry of approximately 50,000 Chinese migrants into the informal small‐scale gold mining sector from 2008‐2013. These migrants mainly hailed from Shanglin County in Guangxi Province. In Ghana, they formed mutually beneficial relationships with local miners, both legal and illegal, introducing machinery that substantially increased gold production. However, the legal status of Chinese miners was particularly problematic as, by law, small‐scale mining is restricted to Ghanaian citizens. In mid‐2013, President Mahama established a military task force against illegal mining, resulting in the deportation of many Chinese miners. The article examines the experiences of both Chinese migrants and Ghanaian miners. Findings are that irregular migration into an informal sector had long‐lasting impacts and played a significant role in the transformation of economic, political, and physical landscapes in Ghana.