Retail Assets Management in Indian Banking - Credit Marketing Model Using Data Mining Approach

Abstract

With the in creasing competition, decreasing customer loyalty and plethora of banking products, it has become essential in today's sluggish economy for banks to accurately position themselves. This paper presents a credit marketing model using an advanced data mining for acquisition segmentation and profit forecast. The average profitability (NPV) could increase with the use of this approach since the profit accruals vary across segments.