论文标题

精神健康金融技术(金融科技):客观财务数据更好地了解财务行为与心理健康之间的关系

Financial technologies (FinTech) for mental health: The potential of objective financial data to better understand the relationships between financial behavior and mental health

论文作者

Blair, Johnna, Brozena, Jeff, Matthews, Mark, Richardson, Thomas, Abdullah, Saeed

论文摘要

在本文中,我们提出了用于收集和分析个人财务数据以及心理健康因素的新型研究方法,并通过n = 1个案例研究说明了使用双相情感障碍的数据的数据。尽管我们没有发现统计学上的显着趋势,也没有我们的发现在此情况之外可以推广,但我们的方法提供了对访问客观财务数据的挑战的见解。我们概述了当前可用的数据,可以使用什么数据以及使用财务数据时要考虑的因素。更具体地说,使用这些方法,研究人员可能能够在个人财务数据中识别出症状性心理健康状况的痕迹,例如识别预警信号,从而为患有严重精神疾病的人提供先发制人的护理。基于这项工作,我们还探讨了未来开发干预措施以支持财务健康的方向。此外,我们已经描述了财务数据驱动的评估和干预方法的技术,道德和公平挑战,并提供了解决这些挑战的广泛研究议程。通过利用目标,以保护隐私和道德方式的个性化财务数据有助于导致心理保健的转变。

In this paper, we present novel research methods for collecting and analyzing personal financial data alongside mental health factors, illustrated through a N=1 case study using data from one individual with bipolar disorder. While we have not found statistically significant trends nor our findings are generalizable beyond this case, our approach provides an insight into the challenges of accessing objective financial data. We outline what data is currently available, what can be done with it, and what factors to consider when working with financial data. More specifically, using these methods researchers might be able to identify symptomatic traces of mental ill health in personal financial data such as identifying early warning signs and thereby enable preemptive care for individuals with serious mental illnesses. Based on this work, we have also explored future directions for developing interventions to support financial wellbeing. Furthermore, we have described the technical, ethical, and equity challenges for financial data-driven assessments and intervention methods, as well as provided a broad research agenda to address these challenges. By leveraging objective, personalized financial data in a privacy-preserving and ethical manner help lead to a shift in mental health care.

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