These features analyze user data to extract behavioral insights, providing a deeper understanding of user habits beyond just financial data. The features are:
| Feature name | Definition |
|---|---|
| Count_gratitude_events_{t0}_{t1} | The number of SMS received indicating a show of gratitude. The counts are summed over a period of t0 to t1 days history prior to the prediction date, where the time windows are 0-30, 31-90, or 0-90 days |