▲美国数据显示,在凌晨购物的民众,更有可能拖欠贷款。
美国金融科技公司Affirm分析数据发现,在午夜过后进行网购的消费者,倾向进行风险更高的交易行为,也更有可能拖欠贷款,尤其在凌晨2时左右,相关问题更是激增。
Affirm由PayPal联合创办人列夫琴(Max
Levchin)营运,是新一代的金融科技贷款机构,提供「先买后付」分期付款,与传统银行及信用卡相互竞争。
Affirm首席财务长林弗德(Michael
Linford)接受CNBC采访时透露,公司利用消费者尝试交易的时间,作为协助确认是否批准贷款的关键数据,「一天中大部分时间的信用风险都相同」,但在午夜至凌晨4时,情况却发生了变化,「人类不会在凌晨2点做出最好的决定。很明显,信用违约的状况在2点左右飙升。」
除了交易时间之外,Affirm也会参考其他因素,包括用户在该公司的还款历史,以及来自益百利(Experian)等信用机构的交易数据等。
不过,尽管数据清楚表明,人们在凌晨所做出的财务决定,通常具有更高风险,但目前仍不清楚确切原因。林弗德认为,在这一段时间,消费者可能喝醉了,或者因为在财务或情绪上感受到压力,导致拚命寻求贷款。
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