跨越博彩者:英国博的开放银行视角
Kasra Ghaharian1, Jay Peterson2, Mana Azizsoltani3,2
1International Gaming Institute, University of Nevada, Las Vegas, NV, USA. kasra.ghaharian@unlv.edu.
Journal of gambling studies
|August 5, 2025
概括
开放银行数据揭示了博习惯,显示了一小群用户占不成比例的高博活动. 这一分析为博危害预防策略提供了洞察力.
科学领域:
- 金融技术 金融技术
- 公共卫生 公共卫生
- 行为科学 行为科学
背景情况:
- 开放银行提供了一个新的数据源,以了解金融行为.
- 评估博活动的传统方法存在局限性.
- 客观的交易数据可以加强博危害预防工作.
研究的目的:
- 使用开放银行数据对博交易活动进行大规模描述性分析.
- 从金融交易记录中建立对博行为的基线理解.
- 在英国人口中识别高参与博的模式和特征.
主要方法:
- 分析了英国开放银行数据集,其中包括从2022年起的1,030,788名信用评分服务用户.
- 描述性统计数据用于描述中位数博活动 (存款,借款,净损失,商户参与).
- 识别和分析表现出不成比例的高博活动的子组.
主要成果:
- 平均徒进行了14次存款,典型的借款额为10.00英,净损失为95.00英,占收入的0.53%.
- 大约3%的徒在频率,扣款额和净损失方面表现出不成比例的高活动.
- 高参与度的徒更有可能是男性和年轻人,与中位数 (2) 相比,与更多的商人 (5-6) 进行交易.
结论:
- 开放银行数据为博活动提供了有价值,客观的衡量标准.
- 一小部分人口从事高参与度的博,这证明了有针对性的伤害预防.
- 调查结果为研究人员和决策者提供信息,以利用财务数据减少博危害.
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