Analysis of Well-being and Debt Concepts in Literature Review

This report presents a literature review focusing on the concepts of well-being, debt, and their interrelation, especially concerning the impact of Online Compliance Intervention (OCI) systems, often referred to as 'Robo-Debt'. The review identifies well-being as the central concept, encompassing positive feelings, life satisfaction, emotional states, social relationships, and engagement. It explores how debt negatively affects well-being by potentially causing financial stress, social exclusion, and mental health issues. The review also examines subjective well-being, where happiness and satisfaction are key, and ill-being, which includes psychological distress and anxiety. Social relationships and positive feelings are presented as factors that can either positively or negatively influence well-being, particularly in the context of OCI systems. The literature review aims to provide insights into how these concepts are affected by the deployment of automated debt systems and the potential impacts on individuals' lives.

Running Head: CONCEPTS IN LITERATURE REVIEW 1
Concepts in literature review
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CONCEPTS IN LITERATURE REVIEW 2
Concepts in the Literature Review
Well-being
Well-being is the principal concept in the literature review. The wellbeing of a person has
no universal measures or definition, but wellbeing can be seen through positive feelings, life
satisfaction, emotional feelings, social relationships, and engagement. In relation to the entire
study, the concern being raised is how OCI is going to impact the well-being of debtors.
Debt
Drawing from the literature review, research shows that debt negatively affects the well-
being of an individual. When an individual has debts they cannot provide basic needs such as
food, shelter, and clothing. Without these needs, the wellbeing of an individual is affected as the
person is likely to suffer both physically and mentally. Debt is related to the research analysis
because it makes an individual feel socially excluded, demoralized and financially stressed
which can cause mental health and eventually risking the well-being of the person
Subjective well-being
Subjective well-being is where a person has a positive feeling, happiness and is satisfied
with his life. When an individual is happy, satisfied and positive, they perform at work; he can
remain healthy and is at peace with himself. Happiness, satisfaction and a positive feeling raised
in this concept will help the researcher develop an understanding of the effect of Online
Compliance Intervention on individuals.
IIl-being

CONCEPTS IN LITERATURE REVIEW 2
The ill-being of a person is the feeling of being psychologically depressed, being
distressed, feeling anxious and other negative indicators. The feeling of distress can be caused by
economic problems such as debts thereby imposing a negative effect on the well-being of the
individual. A person suffering from depression is not economically productive, cannot relate well
with others and thus by understanding factors contributing to the ill-being of a person; it is easy
to develop the impacts of an OCI system.
Social relationship
Social relationships, human beings are social beings and therefore every person needs to
have a social life. To be happy and productive, to grow emotionally and economically, a person
needs to relate and interact with others in business, parties, schools and other social settings.
Good social relationships will positively affect the well-being of a person and this would expect
the adoption of OCI system.
Positive feelings
Every person needs to have positive feelings about their life and hope for a bright future.
With a positive feeling, one is motivated to work hard, live a healthy life and also have a good
relationship with people around them. Therefore, this concept reflects how OCI will impact
wellbeing through emotions.
In summary, the literature review affirms that these concepts can either have a negative
or positive effect on the well-being of a person especially if Robo-debts or OCI systems are
deployed to track debtors. Thus, all these concepts are related to the research in the sense that
they discuss the likely effects of the Online Compliance System on their lives.

CONCEPTS IN LITERATURE REVIEW 2