Xun Li , Yingjie Cui , Lu Zhang , Yuan Chen , Qikexin Yu
{"title":"签名尺寸和个人喜好","authors":"Xun Li , Yingjie Cui , Lu Zhang , Yuan Chen , Qikexin Yu","doi":"10.1016/j.econmod.2024.106773","DOIUrl":null,"url":null,"abstract":"<div><p>In this digital economy, customers' handwriting, such as signatures and related characteristics, can be easily collected and quantitatively analyzed. From the perspective of decision-making, obtaining information from signature characteristics is an important data-driven business leverage. In this regard, can we infer individual preferences from signatures? Through a large-scale laboratory experiment, this study measured the participants’ risk and time preferences and collected their signature information in order to determine the influence of behavioral preferences on their signatures. Based on the empirical results, the higher the risk and ambiguity aversion of the participants, the smaller were their signature sizes. Moreover, the greater their level of patience, the more likely their signatures showed a trend of increasing size. Overall, this study fills a research gap in signature-related behavior by highlighting the application of text mining in digital handwriting, especially in broad business settings such as the insurance industry.</p></div>","PeriodicalId":48419,"journal":{"name":"Economic Modelling","volume":null,"pages":null},"PeriodicalIF":4.2000,"publicationDate":"2024-05-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Signature size and individual preferences\",\"authors\":\"Xun Li , Yingjie Cui , Lu Zhang , Yuan Chen , Qikexin Yu\",\"doi\":\"10.1016/j.econmod.2024.106773\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<div><p>In this digital economy, customers' handwriting, such as signatures and related characteristics, can be easily collected and quantitatively analyzed. From the perspective of decision-making, obtaining information from signature characteristics is an important data-driven business leverage. In this regard, can we infer individual preferences from signatures? Through a large-scale laboratory experiment, this study measured the participants’ risk and time preferences and collected their signature information in order to determine the influence of behavioral preferences on their signatures. Based on the empirical results, the higher the risk and ambiguity aversion of the participants, the smaller were their signature sizes. Moreover, the greater their level of patience, the more likely their signatures showed a trend of increasing size. Overall, this study fills a research gap in signature-related behavior by highlighting the application of text mining in digital handwriting, especially in broad business settings such as the insurance industry.</p></div>\",\"PeriodicalId\":48419,\"journal\":{\"name\":\"Economic Modelling\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":4.2000,\"publicationDate\":\"2024-05-24\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Economic Modelling\",\"FirstCategoryId\":\"96\",\"ListUrlMain\":\"https://www.sciencedirect.com/science/article/pii/S0264999324001299\",\"RegionNum\":2,\"RegionCategory\":\"经济学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q1\",\"JCRName\":\"ECONOMICS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Economic Modelling","FirstCategoryId":"96","ListUrlMain":"https://www.sciencedirect.com/science/article/pii/S0264999324001299","RegionNum":2,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"ECONOMICS","Score":null,"Total":0}
In this digital economy, customers' handwriting, such as signatures and related characteristics, can be easily collected and quantitatively analyzed. From the perspective of decision-making, obtaining information from signature characteristics is an important data-driven business leverage. In this regard, can we infer individual preferences from signatures? Through a large-scale laboratory experiment, this study measured the participants’ risk and time preferences and collected their signature information in order to determine the influence of behavioral preferences on their signatures. Based on the empirical results, the higher the risk and ambiguity aversion of the participants, the smaller were their signature sizes. Moreover, the greater their level of patience, the more likely their signatures showed a trend of increasing size. Overall, this study fills a research gap in signature-related behavior by highlighting the application of text mining in digital handwriting, especially in broad business settings such as the insurance industry.
期刊介绍:
Economic Modelling fills a major gap in the economics literature, providing a single source of both theoretical and applied papers on economic modelling. The journal prime objective is to provide an international review of the state-of-the-art in economic modelling. Economic Modelling publishes the complete versions of many large-scale models of industrially advanced economies which have been developed for policy analysis. Examples are the Bank of England Model and the US Federal Reserve Board Model which had hitherto been unpublished. As individual models are revised and updated, the journal publishes subsequent papers dealing with these revisions, so keeping its readers as up to date as possible.