Personal Financial Manager
High conversion of banking product offers to bank customers implies a deep understanding and analysis of the behaviour of bank customers, while information on customer spending on bank cards is a valuable source of user data. Thematic modeling and segmentation of customers is carried out by decomposing the initial customer transactions into interpretable behaviour profiles, followed by highlighting the most attractive customer groups for the subsequent sale of products.
Input Data
Output Data
Main Results
A pilot project was carried out, integrated into the customer’s business process:
Customer consumption clusters

Customer consumption clusters | |
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Degree of coverage of interpretable types | 80 % |
Average number of consumption types | 5 |
The proportion of interpreted consumption types | 84 % |
Average number of categories expenses in type | 6 |
Average share of customers per type | 0.19 |
Sample type “Sick” | |
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Therapeutic Services | 0.28 |
Licensed doctors | 0.23 |
Dentists, orthodontists | 0.09 |
Hospitals | 0.02 |