Urban Studies and Planning Commons^™

Understanding Technology-Based Exclusion In Emerging Smart Mobility Systems, John Macarthur, Aaron Golub

PSU Transportation Seminars

As transit agencies modernize their fare payment systems, opportunities to pay with cash are reduced. This speeds boarding and lowers the cost of operations while also creating new sources of ridership data. Arguably, service is improved for riders as well as payment systems could work across modes, creating a more seamless and simplified experience. Still, about 15% of adults in the United States are without a bank account or credit card account and many rely on restrictive cell-phone data plans or don’t have access to a smartphone. These shares are even higher for public transit users. These un- and under-banked …