17N Detecting Feelings of Financial Distress From Bank Transactions

Using machine learning, we are able to predict subjective feelings of financial distress from individuals’ bank transactions aggregated from a money management mobile app with moderate accuracy (r = .43). Financial distress is linked to spending larger proportions in basic needs, poor financial management, impulsive spending, and compensatory consumer behaviour.


Alixe Lay and Joe Gladstone (2019) ,"17N Detecting Feelings of Financial Distress From Bank Transactions", in NA - Advances in Consumer Research Volume 47, eds. Rajesh Bagchi, Lauren Block, and Leonard Lee, Duluth, MN : Association for Consumer Research, Pages: 980-980.


Alixe Lay, University College London
Joe Gladstone, University College London


NA - Advances in Consumer Research Volume 47 | 2019

Share Proceeding

Featured papers

See More


O6. Be Aware of Your Suspicion: When “Being Suspicious” Ironically Leads to Suboptimal Judgment- and Decision-Making

Julie Verstraeten, Ghent University, Belgium
Tina Tessitore, INSEEC Business School, France
Maggie Geuens, Ghent University, Belgium

Read More


Mediation as a Multi-Dimensional Process of Brand-Related Interaction

Serena Wider, Copenhagen Business School
Andrea Lucarelli, Lund University
Sylvia Wallpach, Copenhagen Business School

Read More


I9. From Childhood Toys to Grownup Choices: Understanding the Gendered Appeal of Violent Media

Martin A. Pyle, Ryerson University

Read More

Engage with Us

Becoming an Association for Consumer Research member is simple. Membership in ACR is relatively inexpensive, but brings significant benefits to its members.