The financialization of everyday life has received considerable attention since the 2008 global financial crisis. Financialization is thought to have created active financial subjects through the ability to participate in mainstream financial services. While the lived experience of these mainstream financial subjects has been the subject of close scrutiny, the experiences of financial subjects at the financial fringe have been rarely considered. In the UK, for example, the introduction of High-Cost, Short-Term Credit [HCSTC] or payday loan regulation was designed to protect vulnerable people from accessing unaffordable credit. Exploring the impact of HCSTC regulation is important due to the dramatic decline of the high-cost credit market which helped meet essential needs in an era of austerity. As such, the paper examines the impact of the HCSTC regulation on sixty-four financially marginalized individuals in the UK that are unable to access payday loans. First, we identify the range of socioeconomic strategies that individuals employ to manage their finances to create a typology of financial subjectivity at the financial fringe. Second, we demonstrate how the temporal and precarious nature of financial inclusion at the financial fringe adds nuance to existing debates of the everyday lived experience of financialization.

自 2008 年全球金融危机以来，日常生活的金融化受到了广泛关注。金融化被认为通过参与主流金融服务的能力创造了活跃的金融主体。虽然这些主流金融主体的生活经历一直受到密切关注，但很少考虑处于金融边缘的金融主体的经历。例如，在英国，引入高成本短期信贷 [HCSTC] 或发薪日贷款监管旨在保护弱势群体免于获得负担不起的信贷。探索 HCSTC 监管的影响非常重要，因为高成本信贷市场的急剧下降有助于满足紧缩时代的基本需求。因此，该论文研究了 HCSTC 法规对英国 64 名无法获得发薪日贷款的经济​​边缘化个人的影响。首先，我们确定了个人用于管理其财务的社会经济策略的范围，以在金融边缘创建金融主观性类型。其次，我们展示了金融边缘金融包容性的暂时性和不稳定性如何为日常生活中金融化体验的现有辩论增添了细微差别。