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In sales and marketing, customer segmentation is an important tool for formulating strategies for customer treatment and supply chain management. Most segmentation implementations rely on limited criteria, such as recency, frequency, and…
In the global economy, credit companies play a central role in economic development, through their activity as money lenders. This important task comes with some drawbacks, mainly the risk of the debtors not being able to repay the provided…
Business statistics play a crucial role in implementing a data-driven strategic plan at the enterprise level to employ various analytics where the outcomes of such a plan enable an enterprise to enhance the decision-making process or to…
Data mining is a new concept & an exploration and analysis of large data sets, in order to discover meaningful patterns and rules. Many organizations are now using the data mining techniques to find out meaningful patterns from the…
In today's world, banks use artificial intelligence to optimize diverse business processes, aiming to improve customer experience. Most of the customer-related tasks can be categorized into two groups: 1) local ones, which focus on a…
This research paper focuses on the integration of Artificial Intelligence (AI) into the currency trading landscape, positing the development of personalized AI models, essentially functioning as intelligent personal assistants tailored to…
Credit scoring is an increasingly central and contested domain of data and AI governance, frequently framed as a neutral and objective method of assessing risk across diverse economic and political contexts. Based on a nine-month…
There is an abundance of temporal and non-temporal data in banking (and other industries), but such temporal activity data can not be used directly with classical machine learning models. In this work, we perform extensive feature…
In today's competitive scenario in corporate world, "Customer Retention" strategy in Customer Relationship Management (CRM) is an increasingly pressed issue. Data mining techniques play a vital role in better CRM. This paper attempts to…
The problem of identifying the optimal location for a new retail store has been the focus of past research, especially in the field of land economy, due to its importance in the success of a business. Traditional approaches to the problem…
In this paper we present a novel approach to credit scoring of retail customers in the banking industry based on deep learning methods. We used RNNs on fine grained transnational data to compute credit scores for the loan applicants. We…
Data mining information about people is becoming increasingly important in the data-driven society of the 21st century. Unfortunately, sometimes there are real-world considerations that conflict with the goals of data mining; sometimes the…
In online retail, customer acquisition typically incurs higher costs than customer retention, motivating firms to invest in churn analytics. However, many contemporary churn models operate as opaque black boxes, limiting insight into the…
This paper presents a method for incorporating risk aversion into existing decision tree models used in economic evaluations. The method involves applying a probability weighting function based on rank dependent utility theory to reduced…
The analysis of sales information, is a vital step in designing an effective marketing strategy. This work proposes a novel approach to analyse the shopping behaviour of customers to identify their purchase patterns. An extended version of…
Product Bundling and offering products to customers is of critical importance in retail marketing. In general, product bundling and offering products to customers involves two main issues, namely identification of product taste according to…
The purpose of this study was to build a customer selection model based on 20 dimensions, including customer codes, total contribution, assets, deposit, profit, profit rate, trading volume, trading amount, turnover rate, order amount,…
Bankruptcy is a legal procedure that claims a person or organization as a debtor. It is essential to ascertain the risk of bankruptcy at initial stages to prevent financial losses. In this perspective, different soft computing techniques…
Credit ratings are one of the primary keys that reflect the level of riskiness and reliability of corporations to meet their financial obligations. Rating agencies tend to take extended periods of time to provide new ratings and update…
This paper presents the method of mining the data and which contains the information about the large information about the PR (Panchayat Raj Department)of Orissa.We have focused some of the techniques,approaches and different methodologies…