Retail core banking services e-banking client cluster identification | Zendy

Ivan Soukal | Zendy; Martina Hedvičáková | Zendy

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Retail core banking services e-banking client cluster identification

Author(s) -

Ivan Soukal,

Martina Hedvičáková

Publication year - 2011

Publication title -

procedia computer science

Language(s) - English

Resource type - Journals

SCImago Journal Rank - 0.334

H-Index - 76

ISSN - 1877-0509

DOI - 10.1016/j.procs.2010.12.195

Subject(s) - desk , retail banking , computer science , cluster (spacecraft) , core (optical fiber) , identification (biology) , czech , population , business , telecommunications , marketing , computer network , linguistics , philosophy , botany , demography , sociology , biology , operating system

This paper is focused on retail core banking services market in the Czech Republic. There are presented the data analysis outcomes from expert web-system for client’s bank costs computation and real-time bank offer comparison. Using nonhierarchical cluster analysis there are identified 5 client profiles by specific frequencies of bank services usage. Paper reveals that among the e-banking population there are expectable clusters so the unexpected cluster small businessmen that are not supposed to use retail products and cluster of strong desk usage preference clients by contrast to activated e-banking

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