教師資料查詢 | 類別: 期刊論文 | 教師: 施建州 Shih, Chien-chou (瀏覽個人網頁)

標題:Discovering cardholders’ payment-patterns based on clustering analysis
學年100
學期1
出版(發表)日期2011/09/15
作品名稱Discovering cardholders’ payment-patterns based on clustering analysis
作品名稱(其他語言)
著者Shih, Chien-Chou; Chiang, Ding-An; Hu, Yi-Jen; Chen, Chun-Chi
單位淡江大學資訊傳播學系; 淡江大學資訊工程學系; 淡江大學保險學系
出版者Kidlington: Pergamon
著錄名稱、卷期、頁數Expert Systems with Applications 38(10), pp.13284-13290
摘要This paper sampled approximately 9.3 million entries of data, concerning payments from 300,000 credit card customers over the past two years of Bank A in Taiwan. By applying data mining techniques to decipher customers’ behavior and perform risk analysis, the clustering algorithms divides card users into 9 groups of different levels of contributions and risk profiles, according to their consumption patterns. We generalize a set of clustering rules to identify high risk customer groups in advance. Therefore, the proposed suggestions could tell who was a bad risk and either deny their application or, for those who were already cardholders, start shrinking their available credit and increasing minimum payments to squeeze out as much cash as possible before they defaulted. On the other hand, banks are advised to adjust credit limits in a timely manner for the customer groups whose risks are low and contributions are high, in addition to the provision of value added services, in order to enhance earnings.
關鍵字
語言英文
ISSN0957-4174
期刊性質國外
收錄於SCI;
產學合作
通訊作者
審稿制度
國別英國
公開徵稿
出版型式,紙本
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