In recent years, cash transaction systems have undergone dramatic changes. Online purchases and online payments for mobile services are becoming increasingly relevant. The money goes for packing products in the store and paying various bills. Modern technologies analyze the information studied by many experts, due to which it is possible to determine the nature of a person by his monetary costs and preferences.
Scientists are in a hurry to share the results of recent studies and tell the audience what is hidden behind each choice of product by the buyer.
Observations
Researchers at a Colombian business school sent a request to 2,000 users through a special money management application.
The goal is to obtain consent to the collection of data on the registration of expenses and transactions. The studies were conducted to determine the patterns of individual costs of each of the account holders, as well as to analyze the personal qualities of the purchaser through online services.
Characters
Scientists have discovered the five most common personality types of application users. They are sociable, responsible, open, good-natured and nervous. It is people with such traits that have shown more mixed results.
Researchers have found that the most open-minded people tend to spend more on their education and travel, while the most sociable people spend their savings on food and drinks, and willingly donate to charitable foundations. And the most responsible ones invested in business or opened savings organizations.
Indices of nervous temperament
Observers noted that materialistic persons recorded the largest number of acquisitions of items from the category of luxury. They do not spare money on jewelry and jewelry. However, it is worth noting that people who demonstrated a great sense of self-control in their buying habits and registered fewer transactions received a higher score for neuroticism.
Information was collected regardless of the age, thickness of the wallet or gender of the owners of each account. The only specialists who are not researchers are people living in disadvantaged areas, because they did not have enough resources to show a penchant for one or another category of purchases.
Purpose of observation
These indicators can be used to improve financial services. Also questioned is the factor of how moral the determination of character for marketing moves and effective sales can be.
One such application may be to provide goods along with information specifically designed for people with low levels of self-control. So financial companies will quickly achieve their goals. In addition, scientists have suggested that as additional information about consumers is obtained, the level of protection of their personal data will also increase.