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Question selection responding to information on customers from heterogeneous populations to select offers that maximize expected profit / H-V. Seow in Journal of the operational research society (JORS), Vol. 61 N° 3 (Mars 2010) 

Public ISBD [article]  in Journal of the operational research society (JORS) > Vol. 61 N° 3 (Mars 2010) . - pp. 443–454 Titre : Question selection responding to information on customers from heterogeneous populations to select offers that maximize expected profit Type de document : texte imprimé Auteurs : H-V. Seow, Auteur Année de publication : 2011 Article en page(s) : pp. 443–454 Note générale : Recherche opérationnelle Langues : Anglais (eng) Mots-clés : Credit  scoring  ‘Take’  rates  Acceptance  scoring  Question  selection  Dynamic  programming  Bayesian  model Index. décimale : 001.424 Résumé : The advent of Internet broking pages allows customers to ‘apply’ to a number of different companies at one time, leading to multiple offers made to a customer. The saturated condition of the personal financial products has led to falling ‘take’ rates. Financial institutions are trying to increase the ‘take’ rates of their personal financial products. Applicants for credit will have to provide information for risk assessment, which can be used to assess the probability of a customer accepting an offer. Interactive channels such as the Internet and telephone allow questions that are asked to depend on previous answers. The questions selected need to provide information to assess the probability of acceptance of a particular variant of financial product. In this paper, we investigate a model to predict the best offer to extend next to a customer based on the response for the questions, as well as the question selection itself. DEWEY : 001.424 ISSN : 0160-5682 En ligne : http://www.palgrave-journals.com/jors/journal/v61/n3/abs/jors20096a.html [article] Question selection responding to information on customers from heterogeneous populations to select offers that maximize expected profit [texte imprimé] / H-V. Seow, Auteur . - 2011 . - pp. 443–454. Recherche opérationnelle Langues : Anglais (eng) in Journal of the operational research society (JORS) > Vol. 61 N° 3 (Mars 2010) . - pp. 443–454 Mots-clés : Credit  scoring  ‘Take’  rates  Acceptance  scoring  Question  selection  Dynamic  programming  Bayesian  model Index. décimale : 001.424 Résumé : The advent of Internet broking pages allows customers to ‘apply’ to a number of different companies at one time, leading to multiple offers made to a customer. The saturated condition of the personal financial products has led to falling ‘take’ rates. Financial institutions are trying to increase the ‘take’ rates of their personal financial products. Applicants for credit will have to provide information for risk assessment, which can be used to assess the probability of a customer accepting an offer. Interactive channels such as the Internet and telephone allow questions that are asked to depend on previous answers. The questions selected need to provide information to assess the probability of acceptance of a particular variant of financial product. In this paper, we investigate a model to predict the best offer to extend next to a customer based on the response for the questions, as well as the question selection itself. DEWEY : 001.424 ISSN : 0160-5682 En ligne : http://www.palgrave-journals.com/jors/journal/v61/n3/abs/jors20096a.html