Using AIlon, we identified a relatively clear pattern of psychometrics that lead to a high probability of insurance fraud. Indeed, AIlon found highly correlated habits to the probability of committing an insurance fraud, such as gambling, driver’s license suspension, and tax evasion. Other studies show a significant correlation of psychometrics, measured in the Big 5 taxonomy, and for example tax evasion: Tax evasion is significantly positive correlated to Openness towards new experience and significantly negative correlated to conscientiousness and agreeableness. One possible explanation is that people with high conscientiousness rationally perceive the possible risk, while individuals with high agreeableness tend to consider the decision morally wrong.
We have shown that self-control is indeed significantly correlated with the probability of committing insurance fraud, however in our population sample the best predictor by far has been as structural affinity for gambling.