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Machine Learning for Streaming Data: Overview, Applications and Challenges Read chapter Read first chapter

2021 | OriginalPaper | Chapter

Optimization of Initial Credit Limit Using Comprehensive Customer Features

Authors : Shreya Piplani, Geetika Bansal

Published in: Applied Advanced Analytics

Publisher: Springer Singapore

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Abstract

With a total of 36.24 million credit cards in operation with a spend of Rs. 41,437 crores in January’18 from a 28.85 million credit cards and usage of Rs. 32,691 crores in January’17, credit card market has shown an incredible growth in India. During the initial introduction of credit cards in the Indian market, the word credit did not go along with the Indian mentality, believing that credit cards would increase their liability and might lead to payment of huge interests, if not cleared on time.

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previous chapter Artificial Intelligence-Based Cost Reduction for Customer Retention Management in the Indian Life Insurance Industry
next chapter Mitigating Agricultural Lending Risk: An Advanced Analytical Approach
Literature
Bierman, H., & Hausman, W. (1970). The Credit Granting Decision. Management Science, 16(8), B-519–B-532.
Budd, J., & Taylor, P. (2015). Calculating optimal limits for transacting credit.
Dey, S. (2010). Credit limit management using action-effect models.
Famby, T. (2008). The unobservable components model.
Freud, M. R., & Grigas, P. (2014). New analysis and results for the Frank-Wolfe method.
Haimowitz, I. J., & Schwarz, H. (1997). Clustering and prediction for credit line optimization.
Hand, D. J., & Blunt, G. (2001). Prospecting for gems in credit card data. IMA Journal of Management Mathematics, 12(2), 173–200.
Leippold, M., Vanini, P., & Ebnoether, S. (n.d.). Optimal credit limit management under different information regimes.
Terblanche, S., & Rey, T. D. (2014). Credit price optimisation within retail banking.
Metadata
Title
Optimization of Initial Credit Limit Using Comprehensive Customer Features
Authors
Shreya Piplani
Geetika Bansal
Copyright Year
2021
Publisher
Springer Singapore
Book
Applied Advanced Analytics

Print ISBN: 978-981-336-655-8

Electronic ISBN: 978-981-336-656-5

Copyright Year: 2021

DOI
https://doi.org/10.1007/978-981-33-6656-5_7