Money Walks: Implicit Mobility Behavior and Financial Well-Being
Identifieur interne : 000023 ( Main/Exploration ); précédent : 000022; suivant : 000024Money Walks: Implicit Mobility Behavior and Financial Well-Being
Auteurs : Vivek Kumar Singh [États-Unis] ; Burcin Bozkaya [Turquie] ; Alex Pentland [États-Unis]Source :
- PLoS ONE [ 1932-6203 ] ; 2015.
Abstract
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
Url:
DOI: 10.1371/journal.pone.0136628
PubMed: 26317339
PubMed Central: 4552874
Affiliations:
Links toward previous steps (curation, corpus...)
- to stream Pmc, to step Corpus: 000011
- to stream Pmc, to step Curation: 000011
- to stream Pmc, to step Checkpoint: 000017
- to stream Ncbi, to step Merge: 000400
- to stream Ncbi, to step Curation: 000400
- to stream Ncbi, to step Checkpoint: 000400
- to stream Main, to step Merge: 000023
- to stream Main, to step Curation: 000023
Le document en format XML
<record><TEI><teiHeader><fileDesc><titleStmt><title xml:lang="en">Money Walks: Implicit Mobility Behavior and Financial Well-Being</title><author><name sortKey="Singh, Vivek Kumar" sort="Singh, Vivek Kumar" uniqKey="Singh V" first="Vivek Kumar" last="Singh">Vivek Kumar Singh</name><affiliation wicri:level="1"><nlm:aff id="aff001"><addr-line>Media Lab, Massachusetts Institute of Technology, 20 Amherst St, Cambridge, Massachusetts, United States of America</addr-line></nlm:aff><country xml:lang="fr">États-Unis</country><wicri:regionArea>Media Lab, Massachusetts Institute of Technology, 20 Amherst St, Cambridge, Massachusetts</wicri:regionArea></affiliation><affiliation wicri:level="1"><nlm:aff id="aff003"><addr-line>School of Communication and Information, Rutgers University, New Brunswick, New Jersey, United States of America</addr-line></nlm:aff><country xml:lang="fr">États-Unis</country><wicri:regionArea>School of Communication and Information, Rutgers University, New Brunswick, New Jersey</wicri:regionArea></affiliation></author><author><name sortKey="Bozkaya, Burcin" sort="Bozkaya, Burcin" uniqKey="Bozkaya B" first="Burcin" last="Bozkaya">Burcin Bozkaya</name><affiliation wicri:level="1"><nlm:aff id="aff002"><addr-line>School of Management, Sabanci University, Tuzla, Istanbul, Turkey</addr-line></nlm:aff><country xml:lang="fr">Turquie</country><wicri:regionArea>School of Management, Sabanci University, Tuzla, Istanbul</wicri:regionArea></affiliation></author><author><name sortKey="Pentland, Alex" sort="Pentland, Alex" uniqKey="Pentland A" first="Alex" last="Pentland">Alex Pentland</name><affiliation wicri:level="1"><nlm:aff id="aff001"><addr-line>Media Lab, Massachusetts Institute of Technology, 20 Amherst St, Cambridge, Massachusetts, United States of America</addr-line></nlm:aff><country xml:lang="fr">États-Unis</country><wicri:regionArea>Media Lab, Massachusetts Institute of Technology, 20 Amherst St, Cambridge, Massachusetts</wicri:regionArea></affiliation></author></titleStmt><publicationStmt><idno type="wicri:source">PMC</idno><idno type="pmid">26317339</idno><idno type="pmc">4552874</idno><idno type="url">http://www.ncbi.nlm.nih.gov/pmc/articles/PMC4552874</idno><idno type="RBID">PMC:4552874</idno><idno type="doi">10.1371/journal.pone.0136628</idno><date when="2015">2015</date><idno type="wicri:Area/Pmc/Corpus">000011</idno><idno type="wicri:explorRef" wicri:stream="Pmc" wicri:step="Corpus" wicri:corpus="PMC">000011</idno><idno type="wicri:Area/Pmc/Curation">000011</idno><idno type="wicri:explorRef" wicri:stream="Pmc" wicri:step="Curation">000011</idno><idno type="wicri:Area/Pmc/Checkpoint">000017</idno><idno type="wicri:explorRef" wicri:stream="Pmc" wicri:step="Checkpoint">000017</idno><idno type="wicri:Area/Ncbi/Merge">000400</idno><idno type="wicri:Area/Ncbi/Curation">000400</idno><idno type="wicri:Area/Ncbi/Checkpoint">000400</idno><idno type="wicri:Area/Main/Merge">000023</idno><idno type="wicri:Area/Main/Curation">000023</idno><idno type="wicri:Area/Main/Exploration">000023</idno></publicationStmt><sourceDesc><biblStruct><analytic><title xml:lang="en" level="a" type="main">Money Walks: Implicit Mobility Behavior and Financial Well-Being</title><author><name sortKey="Singh, Vivek Kumar" sort="Singh, Vivek Kumar" uniqKey="Singh V" first="Vivek Kumar" last="Singh">Vivek Kumar Singh</name><affiliation wicri:level="1"><nlm:aff id="aff001"><addr-line>Media Lab, Massachusetts Institute of Technology, 20 Amherst St, Cambridge, Massachusetts, United States of America</addr-line></nlm:aff><country xml:lang="fr">États-Unis</country><wicri:regionArea>Media Lab, Massachusetts Institute of Technology, 20 Amherst St, Cambridge, Massachusetts</wicri:regionArea></affiliation><affiliation wicri:level="1"><nlm:aff id="aff003"><addr-line>School of Communication and Information, Rutgers University, New Brunswick, New Jersey, United States of America</addr-line></nlm:aff><country xml:lang="fr">États-Unis</country><wicri:regionArea>School of Communication and Information, Rutgers University, New Brunswick, New Jersey</wicri:regionArea></affiliation></author><author><name sortKey="Bozkaya, Burcin" sort="Bozkaya, Burcin" uniqKey="Bozkaya B" first="Burcin" last="Bozkaya">Burcin Bozkaya</name><affiliation wicri:level="1"><nlm:aff id="aff002"><addr-line>School of Management, Sabanci University, Tuzla, Istanbul, Turkey</addr-line></nlm:aff><country xml:lang="fr">Turquie</country><wicri:regionArea>School of Management, Sabanci University, Tuzla, Istanbul</wicri:regionArea></affiliation></author><author><name sortKey="Pentland, Alex" sort="Pentland, Alex" uniqKey="Pentland A" first="Alex" last="Pentland">Alex Pentland</name><affiliation wicri:level="1"><nlm:aff id="aff001"><addr-line>Media Lab, Massachusetts Institute of Technology, 20 Amherst St, Cambridge, Massachusetts, United States of America</addr-line></nlm:aff><country xml:lang="fr">États-Unis</country><wicri:regionArea>Media Lab, Massachusetts Institute of Technology, 20 Amherst St, Cambridge, Massachusetts</wicri:regionArea></affiliation></author></analytic><series><title level="j">PLoS ONE</title><idno type="eISSN">1932-6203</idno><imprint><date when="2015">2015</date></imprint></series></biblStruct></sourceDesc></fileDesc><profileDesc><textClass></textClass></profileDesc></teiHeader><front><div type="abstract" xml:lang="en"><p>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 <italic>exploration</italic>, <italic>engagement</italic>, and <italic>elasticity</italic>. Such features yield models that are 30% to 49% better at predicting future financial difficulties than the comparable demographic models.</p></div></front><back><div1 type="bibliography"><listBibl><biblStruct></biblStruct><biblStruct></biblStruct><biblStruct><analytic><author><name sortKey="Corsetti, G" uniqKey="Corsetti G">G Corsetti</name></author><author><name sortKey="Pesenti, P" uniqKey="Pesenti P">P Pesenti</name></author><author><name sortKey="Roubini, N" uniqKey="Roubini N">N Roubini</name></author></analytic></biblStruct><biblStruct></biblStruct><biblStruct></biblStruct><biblStruct><analytic><author><name sortKey="Lazer, D" uniqKey="Lazer D">D Lazer</name></author><author><name sortKey="Pentland, As" uniqKey="Pentland A">AS Pentland</name></author><author><name sortKey="Adamic, L" uniqKey="Adamic L">L Adamic</name></author><author><name sortKey="Aral, S" uniqKey="Aral S">S Aral</name></author><author><name sortKey="Barabasi, Al" uniqKey="Barabasi A">AL Barabasi</name></author><author><name sortKey="Brewer, D" uniqKey="Brewer D">D Brewer</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Krumme, C" uniqKey="Krumme C">C Krumme</name></author><author><name sortKey="Llorente, A" uniqKey="Llorente A">A Llorente</name></author><author><name sortKey="Cebrian, M" uniqKey="Cebrian M">M Cebrian</name></author><author><name sortKey="Pentland, As" uniqKey="Pentland A">AS Pentland</name></author><author><name sortKey="Moro, E" uniqKey="Moro E">E Moro</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Gonzalez, Mc" uniqKey="Gonzalez M">MC Gonzalez</name></author><author><name sortKey="Hidalgo, Ca" uniqKey="Hidalgo C">CA Hidalgo</name></author><author><name sortKey="Barabasi, Al" uniqKey="Barabasi A">AL Barabasi</name></author></analytic></biblStruct><biblStruct></biblStruct><biblStruct><analytic><author><name sortKey="Rampini, Aa" uniqKey="Rampini A">AA Rampini</name></author><author><name sortKey="Viswanathan, S" uniqKey="Viswanathan S">S Viswanathan</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Thomas, Lc" uniqKey="Thomas L">LC Thomas</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Thomas, Lc" uniqKey="Thomas L">LC Thomas</name></author><author><name sortKey="Oliver, Rw" uniqKey="Oliver R">RW Oliver</name></author><author><name sortKey="Hand, Dj" uniqKey="Hand D">DJ Hand</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Smith, Jn" uniqKey="Smith J">JN Smith</name></author><author><name sortKey="Sweatman, Hp" uniqKey="Sweatman H">HP Sweatman</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Clark, Ab" uniqKey="Clark A">AB Clark</name></author><author><name sortKey="Ehlinger, Tj" uniqKey="Ehlinger T">TJ Ehlinger</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Sih, A" uniqKey="Sih A">A Sih</name></author><author><name sortKey="Bell, Am" uniqKey="Bell A">AM Bell</name></author><author><name sortKey="Johnson, Jc" uniqKey="Johnson J">JC Johnson</name></author><author><name sortKey="Ziemba, Re" uniqKey="Ziemba R">RE Ziemba</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Wilson, Ds" uniqKey="Wilson D">DS Wilson</name></author><author><name sortKey="Clark, Ab" uniqKey="Clark A">AB Clark</name></author><author><name sortKey="Coleman, K" uniqKey="Coleman K">K Coleman</name></author><author><name sortKey="Dearstyne, T" uniqKey="Dearstyne T">T Dearstyne</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Groothuis, Tg" uniqKey="Groothuis T">TG Groothuis</name></author><author><name sortKey="Carere, C" uniqKey="Carere C">C Carere</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Reale, D" uniqKey="Reale D">D Réale</name></author><author><name sortKey="Gallant, By" uniqKey="Gallant B">BY Gallant</name></author><author><name sortKey="Leblanc, M" uniqKey="Leblanc M">M Leblanc</name></author><author><name sortKey="Festa Bianchet, M" uniqKey="Festa Bianchet M">M Festa-Bianchet</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Dall, Sr" uniqKey="Dall S">SR Dall</name></author><author><name sortKey="Houston, Ai" uniqKey="Houston A">AI Houston</name></author><author><name sortKey="Mcnamara, Jm" uniqKey="Mcnamara J">JM McNamara</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Harrison, Pm" uniqKey="Harrison P">PM Harrison</name></author><author><name sortKey="Gutowsky, Lfg" uniqKey="Gutowsky L">LFG Gutowsky</name></author><author><name sortKey="Martins, Eg" uniqKey="Martins E">EG Martins</name></author><author><name sortKey="Patterson, Da" uniqKey="Patterson D">DA Patterson</name></author><author><name sortKey="Cooke, Sj" uniqKey="Cooke S">SJ Cooke</name></author><author><name sortKey="Power, M" uniqKey="Power M">M Power</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Bolton, Rj" uniqKey="Bolton R">RJ Bolton</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Drakakis, K" uniqKey="Drakakis K">K Drakakis</name></author><author><name sortKey="Rickard, S" uniqKey="Rickard S">S Rickard</name></author><author><name sortKey="De Frein, R" uniqKey="De Frein R">R De Fréin</name></author><author><name sortKey="Cichock, A" uniqKey="Cichock A">A Cichock</name></author></analytic></biblStruct><biblStruct></biblStruct><biblStruct><analytic><author><name sortKey="Breiman, L" uniqKey="Breiman L">L Breiman</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Hall, Ma" uniqKey="Hall M">MA Hall</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Chawla, Nv" uniqKey="Chawla N">NV Chawla</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Fawcett, T" uniqKey="Fawcett T">T Fawcett</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Storbacka, K" uniqKey="Storbacka K">K Storbacka</name></author></analytic></biblStruct><biblStruct></biblStruct><biblStruct><analytic><author><name sortKey="De Montjoye, Y A" uniqKey="De Montjoye Y">Y-A de Montjoye</name></author><author><name sortKey="Hidalgo, Ca" uniqKey="Hidalgo C">CA Hidalgo</name></author><author><name sortKey="Verleysen, M" uniqKey="Verleysen M">M Verleysen</name></author><author><name sortKey="Blondel, Vd" uniqKey="Blondel V">VD Blondel</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Schneider, Cm" uniqKey="Schneider C">CM Schneider</name></author><author><name sortKey="Belik, V" uniqKey="Belik V">V Belik</name></author><author><name sortKey="Couronne, T" uniqKey="Couronne T">T Couronné</name></author><author><name sortKey="Smoreda, Z" uniqKey="Smoreda Z">Z Smoreda</name></author><author><name sortKey="Gonzalez, Mc" uniqKey="Gonzalez M">MC González</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="De Montjoye, Y A" uniqKey="De Montjoye Y">Y-A de Montjoye</name></author><author><name sortKey="Radaelli, L" uniqKey="Radaelli L">L Radaelli</name></author><author><name sortKey="Singh, Vk" uniqKey="Singh V">VK Singh</name></author><author><name sortKey="Pentland, A" uniqKey="Pentland A">A Pentland</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Lenormand, M" uniqKey="Lenormand M">M Lenormand</name></author><author><name sortKey="Louail, T" uniqKey="Louail T">T Louail</name></author><author><name sortKey="Cantu Ros, Og" uniqKey="Cantu Ros O">OG Cantú-Ros</name></author><author><name sortKey="Picornell, M" uniqKey="Picornell M">M Picornell</name></author><author><name sortKey="Herranz, R" uniqKey="Herranz R">R Herranz</name></author><author><name sortKey="Arias, Jm" uniqKey="Arias J">JM Arias</name></author></analytic></biblStruct><biblStruct><analytic><author><name sortKey="Saavedra, S" uniqKey="Saavedra S">S Saavedra</name></author><author><name sortKey="Malmgren, Rd" uniqKey="Malmgren R">RD Malmgren</name></author><author><name sortKey="Switanek, N" uniqKey="Switanek N">N Switanek</name></author><author><name sortKey="Uzzi, B" uniqKey="Uzzi B">B Uzzi</name></author></analytic></biblStruct><biblStruct></biblStruct><biblStruct></biblStruct><biblStruct></biblStruct><biblStruct></biblStruct></listBibl></div1></back></TEI><affiliations><list><country><li>Turquie</li><li>États-Unis</li></country></list><tree><country name="États-Unis"><noRegion><name sortKey="Singh, Vivek Kumar" sort="Singh, Vivek Kumar" uniqKey="Singh V" first="Vivek Kumar" last="Singh">Vivek Kumar Singh</name></noRegion><name sortKey="Pentland, Alex" sort="Pentland, Alex" uniqKey="Pentland A" first="Alex" last="Pentland">Alex Pentland</name><name sortKey="Singh, Vivek Kumar" sort="Singh, Vivek Kumar" uniqKey="Singh V" first="Vivek Kumar" last="Singh">Vivek Kumar Singh</name></country><country name="Turquie"><noRegion><name sortKey="Bozkaya, Burcin" sort="Bozkaya, Burcin" uniqKey="Bozkaya B" first="Burcin" last="Bozkaya">Burcin Bozkaya</name></noRegion></country></tree></affiliations></record>Pour manipuler ce document sous Unix (Dilib)
EXPLOR_STEP=$WICRI_ROOT/Eau/explor/LotaV3/Data/Main/Exploration
HfdSelect -h $EXPLOR_STEP/biblio.hfd -nk 000023 | SxmlIndent | more
Ou
HfdSelect -h $EXPLOR_AREA/Data/Main/Exploration/biblio.hfd -nk 000023 | SxmlIndent | more
Pour mettre un lien sur cette page dans le réseau Wicri
{{Explor lien
|wiki= Eau
|area= LotaV3
|flux= Main
|étape= Exploration
|type= RBID
|clé= PMC:4552874
|texte= Money Walks: Implicit Mobility Behavior and Financial Well-Being
}}
Pour générer des pages wiki
HfdIndexSelect -h $EXPLOR_AREA/Data/Main/Exploration/RBID.i -Sk "pubmed:26317339" \
| HfdSelect -Kh $EXPLOR_AREA/Data/Main/Exploration/biblio.hfd \
| NlmPubMed2Wicri -a LotaV3
| This area was generated with Dilib version V0.6.39. |  |