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

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