On the build and application of bank customer churn warning model

Jiang, Wangdong; Luo, Yongping; Cao, Ying; Sun, Guang; Gong, Chang

doi:10.1504/ijcse.2020.109400

Cited by 4 publications

(3 citation statements)

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“…With the increasingly significant impact of Internet finance, the business model of traditional banking industry has been greatly challenged [1,2]. Although banks still have great advantages in the financial market from the current situation, with the rapid development of Internet technology under the new technology and new platform, the traditional business of banks, not only large companies and enterprise customers, but also more individual customers, will be affected by Internet finance [3,4]. In recent years, after several rounds of regulation and standardization in China, Internet finance has become more and more mature, and shows a trend from rapid growth to rational return.…”

Section: Introductionmentioning

confidence: 99%

Analysis of Bank Customer Default Risk Based on Embedded Microprocessor Wireless Communication

Zhang

Zhe

Sun

2022

Security and Communication Networks

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Bank personal credit is affected by factors such as inadequate management and lagging risk information management system. Bank default risk analysis is needed to improve the ability of bank credit risk management. Therefore, a bank customer default risk analysis based on embedded microprocessor wireless communication is proposed. Firstly, it analyzes the risk assessment parameter evaluation system of personal credit, constructs the quantitative analysis model of personal credit risk, calculates the grade gradient value in the bank’s personal credit risk standard, carries out the mathematical modeling of bank customer default risk assessment, strengthens the implementation of “three checks,” tracks and manages the borrower, supervises the use of credit funds, improves the social credit investigation system, and on this basis, optimizes the mathematical model of bank customer default risk assessment. The experimental results show that this method can realize the bank’s quantitative evaluation and control of personal credit risk, improve the bank’s credit risk prevention and control ability, and provide a reliable basis for the bank’s credit risk evaluation operation and management.

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Section: Introductionmentioning

confidence: 99%

Analysis of Bank Customer Default Risk Based on Embedded Microprocessor Wireless Communication

Zhang

Zhe

Sun

2022

Security and Communication Networks

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“…With the rapid development of the financial industry, the customer resources and scale of commercial banks are expanding rapidly (Zhao, 2019). At the same time, under the downward trend of profit rate, financial disintermediation phenomenon is increasingly obvious (Jiang et al, 2020). Customer demand for customized and high-return products and services is growing.…”

Section: Introductionmentioning

confidence: 99%

A High-Performance Customer Churn Prediction System Based on Self-Attention

Wu¹

2022

SSRN Journal

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“…Customer churn is addressed in many industries such as telecommunication [10][11][12][13], peer-to-peer lending market [14], retail industry [15,16], and banking [17,18]. As it is obvious, the telecom industry mostly conducts churn analysis in order to keep the customers in the existing company by analyzing the customer specifications and behaviors.…”

Section: Introductionmentioning

confidence: 99%

The Attitudes of the Telecommunication Customers in the COVID-19 Outbreak: The Effect of the Feature Selection Approach in Churn Analysis

DONAT

USTA

2022

Sakarya University Journal of Science

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Today's rising cutting-edge technology requirements and competitive environment in telecommunication industry has gained a remarkable importance due to the COVID-19 pandemics in terms of high need of information sharing and remote communication necessity. Telecommunication companies conduct significant analyses by highlighting that the customer data is the most valuable information. Besides, they obtain results emphasizing that acquiring new customers is costlier than retaining the existing ones. Therefore, the companies are willing to determine the important customer features in order to understand why they shift to the other telecommunication service providers. Hence, this study aims to conduct a churn analysis by feature selection approach with large volumes of telecommunication customer data in order to present what kind of customer behaviors and qualifications exist. Since there is a huge amount of data in this field, data mining is a vital requirement. The performance outputs were observed, and the features carrying these outputs to the highest value were identified. The data collection and analysis were carried out in mid-2019, and the same data collection and analysis were carried out again at the beginning of 2021, and these before and after results were compared. In addition, a comparison was made with the results obtained by the other churn analysis studies. This paper contributes to the practitioners by presenting the most important customer features in telecom customer churn, and a new approach in performance evaluation have been proposed specific to the telecommunication market with the industry experts’ guidance as a theoretical contribution.

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On the build and application of bank customer churn warning model

Cited by 4 publications

References 0 publications

Analysis of Bank Customer Default Risk Based on Embedded Microprocessor Wireless Communication

Analysis of Bank Customer Default Risk Based on Embedded Microprocessor Wireless Communication

A High-Performance Customer Churn Prediction System Based on Self-Attention

The Attitudes of the Telecommunication Customers in the COVID-19 Outbreak: The Effect of the Feature Selection Approach in Churn Analysis

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