Our newspaper, Washington, July 21 (Reporter Wang Youran) A new bet365 refer a friend code discovery by a collaboration between British and American scholars，Personal expenditures can reveal a person’s personality to a certain extent。

Sandra C, Assistant Professor of Management, School of Data Science, Columbia University, USA. Sandra C. Matz）、Joe Gladstone, assistant professor of consumer behavior research at University College London, UK, and others conducted a study titled "Can psychological characteristics be inferred from bet365 refer a friend code？New research on “Evidence from Transaction Data”，By cooperating with a British financial management software company，Authorized by more than 2000 account owners，To collect and use their credit card and bank transaction data within the scope of this study。The researchers also asked them to complete a brief personality survey，The problem involves materialistic tendencies、Self-control, etc.。Researchers divided more than 2 million bet365 refer a friend code records of these account owners into several broad categories，such as supermarket、Furniture Store、Insurance money、Online shopping, etc.，Then use machine learning technology，Analyze whether the distribution of bet365 refer a friend code items of each account owner reflects specific personality characteristics。

Analysis results display，Overall，The overall correlation between bet365 refer a friend code patterns and personality traits is not very clear，But the prediction accuracy is very high for some specific characteristics。for example，Responsible people save more money in savings accounts。People with strong materialistic tendencies spend more money on jewelry，Donate less to charity。And，The above correlation is independent of the age and income level of the account owner。At the same time，Researchers found，People living in extremely poor areas are less predictable，The reason may be that the poverty environment limits people’s opportunities to consume based on psychological preferences。

Matz said，Most people today manage and use money electronically。This enables large-scale research into spending behavior，Also brings business opportunities to financial institutions，Also poses potential ethical challenges。for example，Merchant and financial services companies may rely on spend data，Screen out consumers with weak self-control，And try to extract benefits from them。Therefore，Relevant policies must be formulated，Ensure that this new predictive technology is not abused to harm individual and bet365 refer a friend code interests。