Segmentation Applications in Banking - Data Mining Techniques in CRM: Inside Customer Segmentation - page 232

Table 6.2 ( continued )

Field name Description

HOME_GARDEN Monthly average purchase amount spent at home/garden and

DIY stores

TELCOS Monthly average purchase amount spent on telecommunication

services (fixed and mobile telephony)

TRAVEL Monthly average purchase amount spent on travel expenses

(travel agencies/air tickets/hotel bookings/car rentals etc.)

MERCHANT_TYPES Number of different merchant categories with purchases

Other usage fields - profiling fields:

BALANCE Monthly average balance (based on daily balance averages)

PURCHASES Monthly average purchase amount

ONEOFF_PURCHASES Monthly average one-off purchase amount

INSTALLMENT_
PURCHASES

Monthly average of installment purchases

CASH_ADVANCE Monthly average amount of cash advance

PURCHASE_ FREQUENCY Frequency of purchases (percentage of months with at least one

purchase)

CASH_ADVANCE_
FREQUENCY

Frequency of cash advance

SPENDING _FREQUENCY Frequency of total card spending (purchases and cash advance)

PRC_ONEOFF_
PURCHASES

Amount of one-off purchases as a percentage of total card
spending

PRC_CASH_ADVANCE Cash advances as a percentage of total card spending

PRC_INSTALLMENTS_
PURCHASES

Amount of installments as a percentage of total card spending

AVERAGE_PURCHASE_
TRX

Average amount per purchase transaction

AVERAGE_CASH_
ADVANCE_TRX

Average amount per cash advance transaction

MINIMUM_PAYMENT_
RATIO

The ratio of monthly average payments to the monthly average of
the minimum payment amounts

BALANCE_PAYMENT_
RATIO

The ratio of monthly average payments to monthly average
statement balances