A CREDIT CARD USAGE BEHAVIOUR ANALYSIS FRAMEWORK - A DATA MINING APPROACH

Chieh-Yuan Tsai

2007

Abstract

Credit card is one of the most popular e-payment approaches in current online e-commerce. To consolidate valuable customers, card issuers invest a lot of money to maintain good relationship with their customers. Although several efforts have been done in studying card usage motivation, few researches emphasize on credit card usage behaviour analysis when time periods change from t to t+1. To address this issue, an integrated data mining approach is proposed in this paper. First, the customer profile and their transaction data at time period t are retrieved from databases. Second, a LabelSOM neural network groups customers into segments and identify critical characteristics for each group. Third, a fuzzy decision tree algorithm is used to construct usage behaviour rules of interesting customer groups. Finally, these rules are used to analysis the behaviour changes between time periods t and t+1. An implementation case using a practical credit card database provided by a commercial bank in Taiwan is illustrated to show the benefits of the proposed framework.

Download


Paper Citation


in Harvard Style

Tsai C. (2007). A CREDIT CARD USAGE BEHAVIOUR ANALYSIS FRAMEWORK - A DATA MINING APPROACH . In Proceedings of the Second International Conference on e-Business - Volume 1: ICE-B, (ICETE 2007) ISBN 978-989-8111-11-1, pages 219-226. DOI: 10.5220/0002108102190226

in Bibtex Style

@conference{ice-b07,
author={Chieh-Yuan Tsai},
title={A CREDIT CARD USAGE BEHAVIOUR ANALYSIS FRAMEWORK - A DATA MINING APPROACH},
booktitle={Proceedings of the Second International Conference on e-Business - Volume 1: ICE-B, (ICETE 2007)},
year={2007},
pages={219-226},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0002108102190226},
isbn={978-989-8111-11-1},
}


in EndNote Style

TY - CONF
JO - Proceedings of the Second International Conference on e-Business - Volume 1: ICE-B, (ICETE 2007)
TI - A CREDIT CARD USAGE BEHAVIOUR ANALYSIS FRAMEWORK - A DATA MINING APPROACH
SN - 978-989-8111-11-1
AU - Tsai C.
PY - 2007
SP - 219
EP - 226
DO - 10.5220/0002108102190226