“…The CHAID algorithm has specific advantages over statistical inferential analysis such as it does not need to fulfil several assumptions (Baran & Kihç, 2015), for e.g. normality, linearity, additivity and homogeneity (Karakaya, Mehmet, Corbaci, & Cetin, 2018), it automatically select predictor variables that could be used to define a subgroups, detects nonlinear association (Kalender, 2017) and the detection includes the association between categorical dependent variable and multiple independent variables which can be categorical and/or metric (Milanović & Stamenković, 2016). Decision tree analysis especially CHAID have been found to be the most robust against changes in data accuracy within the context of customer market segmentation (Coussement, Van den Bossche, & De Bock, 2014), or in this study university students' spending behavior.…”