Table 2 Basic statistical properties of the features and the estimation results of the first-stage models
Variable | Basic Statistical Properties | Model Fit Results | ||||
|---|---|---|---|---|---|---|
Mean (SD) | Skewness | Kurtosis | C | Z-stat | P-value | |
Category: Registration | ||||||
Constant | – | – | – | − 4.35 | − 153.34 | < 0.001 |
Customer registration: connecting a social network service | − 0.001 (0.050) | − 8.86 | 76.58 | 1.32 | 1.88 | 0.060 |
Customer registration: completed | − 0.007 (0.117) | 2.95 | 6.71 | 1.26 | 5.98 | < 0.001 |
Product registration: acquiring mobile marketing information | − 0.004 (0.101) | − 4.09 | 21.36 | 0.87 | 2.57 | 0.010 |
Product registration: click application form | − 0.011 (0.150) | − 0.30 | − 1.23 | 1.13 | 5.72 | < 0.001 |
Category: Authentication | ||||||
Constant | – | – | – | − 4.35 | − 150.65 | < 0.001 |
Confirmation of identification | − 0.002 (0.070) | 0.90 | − 1.19 | 0.79 | 1.84 | 0.066 |
Confirmation of personal mobile phone number | − 0.008 (0.114) | 6.87 | 47.77 | 1.23 | 6.83 | < 0.001 |
Customer verification | − 0.001 (0.049) | 2.13 | 36.05 | 1.14 | 2.21 | 0.027 |
PIN authentication | − 0.013 (0.147) | 4.98 | 22.78 | 0.95 | 6.80 | < 0.001 |
Completion of enhanced verification | − 0.003 (0.081) | 1.92 | 1.69 | 1.45 | 4.20 | < 0.001 |
Application of mobile scraping | − 0.007 (0.129) | − 2.03 | 2.10 | 1.49 | 5.56 | < 0.001 |
Application of PC scraping | − 0.052 (0.399) | − 3.34 | 9.57 | 0.99 | 6.98 | < 0.001 |
Category: Transaction | ||||||
Constant | – | – | – | − 4.35 | − 152.49 | < 0.001 |
Click the transfer request button | − 0.039 (0.273) | 0.80 | 2.50 | 0.66 | 2.87 | 0.004 |
Transfer completed | − 0.037 (0.260) | 1.11 | 3.48 | 0.43 | 1.83 | 0.067 |
Safe box balance change | − 0.005 (0.109) | − 3.36 | 9.40 | 1.20 | 3.84 | 0.000 |
Category: Account activity | ||||||
Constant | – | – | – | − 4.35 | − 152.89 | < 0.001 |
Click card use button of an on-demand account | − 0.004 (0.085) | 3.15 | 8.22 | 1.73 | 5.47 | < 0.001 |
Select my account | − 0.009 (0.134) | 0.25 | − 1.64 | 0.78 | 2.94 | 0.003 |
Produce information inquiry | − 0.009 (0.130) | 1.44 | 0.06 | 0.61 | 2.69 | 0.007 |
Click transaction history search icon | 0.000 (0.018) | 3.66 | 11.40 | 2.90 | 1.86 | 0.063 |
Completion of monthly rental agreement information | − 0.008 (0.150) | − 5.74 | 33.16 | 0.83 | 2.93 | 0.003 |
Completed of the produce cancellation | − 0.013 (0.174) | − 1.99 | 2.09 | 0.86 | 4.13 | < 0.001 |
Category: Debit card | ||||||
Constant | – | – | − 4.35 | − 154.09 | < 0.001 | |
Debit card: select types of card | − 0.008 (0.122) | 1.77 | 1.14 | 0.72 | 1.44 | 0.150 |
Debit card: check card application details | − 0.007 (0.116) | 2.04 | 2.17 | 0.32 | 0.62 | 0.535 |
Category: Recommendation | ||||||
Constant | – | – | – | − 4.35 | − 151.72 | < 0.001 |
Click ad banner | 0.000 (0.021) | 2.46 | 4.04 | 5.15 | 3.58 | < 0.001 |
Click login-popup banner | − 0.006 (0.111) | − 1.28 | − 0.14 | 0.69 | 2.25 | 0.024 |
To-do card click | − 0.032 (0.293) | − 3.05 | 7.57 | 0.74 | 4.67 | < 0.001 |
To-do card exposure count | − 0.037 (0.280) | − 0.43 | − 0.69 | 0.77 | 6.69 | < 0.001 |
Click app-push | − 0.013 (0.171) | − 2.55 | 7.46 | 0.76 | 3.66 | < 0.001 |
Category: OCR | ||||||
Constant | – | – | – | − 4.35 | − 154.18 | < 0.001 |
Automatic recognition of customer identity | − 0.005 (0.117) | − 6.01 | 46.56 | 0.92 | 2.82 | 0.005 |
Taking photo of customer identification | − 0.001 (0.053) | − 3.94 | 13.56 | 0.63 | 1.06 | 0.288 |
Category: Menu | ||||||
Constant | -– | – | – | − 4.35 | − 153.56 | < 0.001 |
All tab: list menu | − 0.012 (0.158) | 0.04 | − 1.47 | 0.85 | 4.67 | < 0.001 |
All tab: profile area | − 0.001 (0.051) | 6.42 | 41.52 | 1.15 | 2.44 | 0.015 |
Click recommendation tab | − 0.009 (0.137) | − 1.48 | 5.37 | 0.90 | 3.91 | < 0.001 |
Guide tab: click FAQ category | − 0.001 (0.049) | 7.07 | 48.01 | 1.22 | 2.45 | 0.014 |
Category: Login/out | ||||||
Constant | − 4.35 | − 152.75 | < 0.001 | |||
Login | − 0.041 (0.286) | 0.42 | − 0.81 | 0.69 | 4.00 | < 0.001 |
Run the application | − 0.036 (0.262) | 0.83 | 0.19 | 0.40 | 2.22 | 0.027 |
Category: Custom setting | ||||||
Constant | − 4.35 | − 154.13 | < 0.001 | |||
Change the name of account | − 0.006 (0.125) | − 7.68 | 62.46 | 0.86 | 2.34 | 0.019 |
Change the color of account | − 0.003 (0.089) | − 9.43 | 86.92 | 0.63 | 1.27 | 0.205 |