Developing a prediction model for customer churn from electronic banking services using data mining

Background:Given the importance of customers as the most valuable assets of organizations,customer retention seems to be an essential,basic requirement for any organization.Banks are no exception to this rule.The competitive atmosphere within which electronic banking services are provided by different banks increases the necessity of customer retention.Methods:Being based on existing information technologies which allow one to collect data from organizations’databases,data mining introduces a powerful tool for the extraction of knowledge from huge amounts of data.In this research,the decision tree technique was applied to build a model incorporating this knowledge.Results:The results represent the characteristics of churned customers.Conclusions:Bank managers can identify churners in future using the results of decision tree.They should be provide some strategies for customers whose features are getting more likely to churner’s features.

中外网络银行发展基础的差异性分析

通过对中外网络银行产生和发展的分析 ,揭示了我国网络银行在发展基础方面与国外网络银行的差距和不足 。

西部地区银行性金融机构网络化的发展前景

银行性金融机构电子化进程在短短的十年间取得了长足发展，对推动经济发展起到了积极的作用，但发展是不平衡的，区域银行特别是西部地区中小规模的银行性金融机构的电子化进程发展相对滞后，需要针对其环境特点及现状进行具体的分析研究，以确定合适的发展模式和发展策略，使西部地区中小规模的银行性金融机构在网络浪潮中抓住机遇，提高核心竞争力。