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DOI: 10.1371/journal.pone.0136628
论文题名:
Money Walks: Implicit Mobility Behavior and Financial Well-Being
作者: Vivek Kumar Singh; Burcin Bozkaya; Alex Pentland
刊名: PLOS ONE
ISSN: 1932-6203
出版年: 2015
发表日期: 2015-8-28
卷: 10, 期:8
语种: 英语
英文关键词: Finance ; Behavior ; Payment ; Demography ; Schools ; Animal behavior ; Human mobility ; Foraging
英文摘要: Traditional financial decision systems (e.g. credit) had to rely on explicit individual traits like age, gender, job type, and marital status, while being oblivious to spatio-temporal mobility or the habits of the individual involved. Emerging trends in geo-aware and mobile payment systems, and the resulting “big data,” present an opportunity to study human consumption patterns across space and time. Taking inspiration from animal behavior studies that have reported significant interconnections between animal spatio-temporal “foraging” behavior and their life outcomes, we analyzed a corpus of hundreds of thousands of human economic transactions and found that financial outcomes for individuals are intricately linked with their spatio-temporal traits like exploration, engagement, and elasticity. Such features yield models that are 30% to 49% better at predicting future financial difficulties than the comparable demographic models.
URL: http://journals.plos.org/plosone/article/file?id=10.1371/journal.pone.0136628&type=printable
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资源类型: 期刊论文
标识符: http://119.78.100.158/handle/2HF3EXSE/22181
Appears in Collections:过去全球变化的重建
影响、适应和脆弱性
科学计划与规划
气候变化与战略
全球变化的国际研究计划
气候减缓与适应
气候变化事实与影响

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作者单位: Media Lab, Massachusetts Institute of Technology, 20 Amherst St, Cambridge, Massachusetts, United States of America;School of Communication and Information, Rutgers University, New Brunswick, New Jersey, United States of America;School of Management, Sabanci University, Tuzla, Istanbul, Turkey;Media Lab, Massachusetts Institute of Technology, 20 Amherst St, Cambridge, Massachusetts, United States of America

Recommended Citation:
Vivek Kumar Singh,Burcin Bozkaya,Alex Pentland. Money Walks: Implicit Mobility Behavior and Financial Well-Being[J]. PLOS ONE,2015-01-01,10(8)
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