This thesis conceptualises the present process of the digitalisation of money, payment, and banking in Ireland as characterised by platformisation. Drawing from classic economic sociology and the sociology of technology, it argues that the design of banking services reflects the social imaginaries held by different social groups regarding money, payment services, and banking institutions. In the platform stage, these imaginaries both influence and are materialised in the design of mobile banking apps, which are conceptualised as sectoral platforms subject to dual regulation across digital and financial domains. The thesis asks three research questions: (a) What dominant social imaginaries of money, payment, and banking service are represented in the design of mobile banking applications in Ireland? (b) What barriers to access and use exist in mobile banking applications and for whom? Do they vary by user group? And (c) Are there policies, strategies, or solutions in place to make banking services more socially inclusive in Ireland? This thesis employs a mixed-method design of a modifi ed walkthrough method applied to seven banking apps; twenty-one expert interviews across four occupational categories; and eleven user interviews with those experiencing various difficulties due to income sources, residency status, and/or digital literacy. The walkthrough identifies three coexisting social imaginaries: Institutional, Transactional, and Digital. Across all three phases of fieldwork, the thesis identifies responsibilisation processes in which users are expected to self-navigate and complete operational tasks that support service automation. These expectations are reinforced through complex terms and conditions and consent mechanisms. It also finds that although some users are legally and financially eligible to access banking apps, those that occupy ‘novel’ statuses (e.g., non-citizen residency and those with irregular incomes) encounter difficulties that remain unacknowledged in both service design and regulatory frameworks. Platformised banking requires a certain level of digital skills, financial literacy and legal documentation, thereby marginalising and excluding non-ideal users with novel statuses, low income, and/or those aged over 65.