Commercial Banking Data Mining
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Transcript of Commercial Banking Data Mining
Big Data and Advanced
Analytics in Banking: A
multimil l ion Rupees Revenue
Opportunity
D A T A
MINING
How advance analytics are redefining banking
Exploratory data analysis of loan customers’ characteristics
• 5000 observations with 14 variables
• What combination of parameters makes a customer more likely to accept a personal loan.
Personal Loan
People with high credit card spending
and income take Loan
Person with low income
and Credit Card spending does not take loan
Among Loan takersPeople with 2 family member
have highest income
People with 4 family member
have lowest income
People with 1 family member has lowest
CC spending
People with 3 family member has
highest CC spending
Effect of CC spending and Family size on Loan
Among loan takers
Personal Loan
Personal LoanOnline Banking
Personal LoanOnline Banking
Cred
it Ca
rd S
pend
ing
Education Level
Income
Reference
• Kalender, Burcu: Analysis of loan customers’ characteristics, Data Mining Project, 2008
Prepared by: [email protected]