{"id":"https://openalex.org/W2021233137","doi":"https://doi.org/10.4018/jdwm.2008040103","title":"Ensemble PROBIT Models to Predict Cross Selling of Home Loans for Credit Card Customers","display_name":"Ensemble PROBIT Models to Predict Cross Selling of Home Loans for Credit Card Customers","publication_year":2008,"publication_date":"2008-04-01","ids":{"openalex":"https://openalex.org/W2021233137","doi":"https://doi.org/10.4018/jdwm.2008040103","mag":"2021233137"},"language":"en","primary_location":{"id":"doi:10.4018/jdwm.2008040103","is_oa":false,"landing_page_url":"https://doi.org/10.4018/jdwm.2008040103","pdf_url":null,"source":{"id":"https://openalex.org/S53932126","display_name":"International Journal of Data Warehousing and Mining","issn_l":"1548-3924","issn":["1548-3924","1548-3932"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320424","host_organization_name":"IGI Global","host_organization_lineage":["https://openalex.org/P4310320424"],"host_organization_lineage_names":["IGI Global"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Data Warehousing and Mining","raw_type":"journal-article"},"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5113482262","display_name":"Hualin Wang","orcid":null},"institutions":[{"id":"https://openalex.org/I4210127406","display_name":"Alliance Data (United States)","ror":"https://ror.org/02gzaeb51","country_code":"US","type":"company","lineage":["https://openalex.org/I4210127406"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Hualin Wang","raw_affiliation_strings":["AllianceData, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"AllianceData, USA","institution_ids":["https://openalex.org/I4210127406"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5102318353","display_name":"Yan Yu","orcid":null},"institutions":[{"id":"https://openalex.org/I4210127406","display_name":"Alliance Data (United States)","ror":"https://ror.org/02gzaeb51","country_code":"US","type":"company","lineage":["https://openalex.org/I4210127406"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Yan Yu","raw_affiliation_strings":["AllianceData, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"AllianceData, USA","institution_ids":["https://openalex.org/I4210127406"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5017984384","display_name":"Kaixia Zhang","orcid":null},"institutions":[{"id":"https://openalex.org/I4210127406","display_name":"Alliance Data (United States)","ror":"https://ror.org/02gzaeb51","country_code":"US","type":"company","lineage":["https://openalex.org/I4210127406"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Kaixia Zhang","raw_affiliation_strings":["AllianceData, USA"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"AllianceData, USA","institution_ids":["https://openalex.org/I4210127406"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210127406"],"apc_list":null,"apc_paid":null,"fwci":1.2287,"has_fulltext":false,"cited_by_count":5,"citation_normalized_percentile":{"value":0.88803715,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":96},"biblio":{"volume":"4","issue":"2","first_page":"15","last_page":"21"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.7710000276565552,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.7710000276565552,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12384","display_name":"Customer churn and segmentation","score":0.6632000207901001,"subfield":{"id":"https://openalex.org/subfields/1406","display_name":"Marketing"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.6607000231742859,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/probit-model","display_name":"Probit model","score":0.7549647092819214},{"id":"https://openalex.org/keywords/credit-card","display_name":"Credit card","score":0.7228379249572754},{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.6846555471420288},{"id":"https://openalex.org/keywords/probit","display_name":"Probit","score":0.6515191793441772},{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6321384310722351},{"id":"https://openalex.org/keywords/ordered-probit","display_name":"Ordered probit","score":0.6101572513580322},{"id":"https://openalex.org/keywords/set","display_name":"Set (abstract data type)","score":0.4722648859024048},{"id":"https://openalex.org/keywords/econometrics","display_name":"Econometrics","score":0.4174085557460785},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.3653266429901123},{"id":"https://openalex.org/keywords/machine-learning","display_name":"Machine learning","score":0.2446098029613495},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.24249419569969177},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.11630606651306152},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.10828006267547607},{"id":"https://openalex.org/keywords/payment","display_name":"Payment","score":0.07109206914901733}],"concepts":[{"id":"https://openalex.org/C67257552","wikidata":"https://www.wikidata.org/wiki/Q635217","display_name":"Probit model","level":2,"score":0.7549647092819214},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.7228379249572754},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.6846555471420288},{"id":"https://openalex.org/C184314375","wikidata":"https://www.wikidata.org/wiki/Q3117995","display_name":"Probit","level":2,"score":0.6515191793441772},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6321384310722351},{"id":"https://openalex.org/C70339092","wikidata":"https://www.wikidata.org/wiki/Q7100715","display_name":"Ordered probit","level":2,"score":0.6101572513580322},{"id":"https://openalex.org/C177264268","wikidata":"https://www.wikidata.org/wiki/Q1514741","display_name":"Set (abstract data type)","level":2,"score":0.4722648859024048},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.4174085557460785},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3653266429901123},{"id":"https://openalex.org/C119857082","wikidata":"https://www.wikidata.org/wiki/Q2539","display_name":"Machine learning","level":1,"score":0.2446098029613495},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.24249419569969177},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.11630606651306152},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.10828006267547607},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.07109206914901733},{"id":"https://openalex.org/C199360897","wikidata":"https://www.wikidata.org/wiki/Q9143","display_name":"Programming language","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.4018/jdwm.2008040103","is_oa":false,"landing_page_url":"https://doi.org/10.4018/jdwm.2008040103","pdf_url":null,"source":{"id":"https://openalex.org/S53932126","display_name":"International Journal of Data Warehousing and Mining","issn_l":"1548-3924","issn":["1548-3924","1548-3932"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320424","host_organization_name":"IGI Global","host_organization_lineage":["https://openalex.org/P4310320424"],"host_organization_lineage_names":["IGI Global"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"International Journal of Data Warehousing and Mining","raw_type":"journal-article"},{"id":"pmh:oai:RePEc:igg:jdwm00:v:4:y:2008:i:2:p:15-21","is_oa":false,"landing_page_url":"https://services.igi-global.com/resolvedoi/resolve.aspx?doi=10.4018/jdwm.2008040103","pdf_url":null,"source":{"id":"https://openalex.org/S4306401271","display_name":"RePEc: Research Papers in Economics","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":"https://openalex.org/I77793887","host_organization_name":"Federal Reserve Bank of St. Louis","host_organization_lineage":["https://openalex.org/I77793887"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth","score":0.5699999928474426}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W4297683888","https://openalex.org/W2209414691","https://openalex.org/W1521763318","https://openalex.org/W3124990839","https://openalex.org/W2034024586","https://openalex.org/W35849224","https://openalex.org/W3130477596","https://openalex.org/W3122701957","https://openalex.org/W2105715653","https://openalex.org/W2020830749"],"abstract_inverted_index":{"Ensemble":[0],"a":[1,12,40],"set":[2],"of":[3,10],"PROBIT":[4],"models":[5],"to":[6,45],"predict":[7],"the":[8,16,21],"likelihood":[9],"buying":[11,27],"home":[13],"loan":[14],"from":[15],"current":[17],"company":[18],"which":[19],"has":[20],"credit":[22],"card":[23],"base":[24],"customers.":[25],"The":[26],"rate":[28],"is":[29,34],"very":[30,35,52],"low":[31],"and":[32,42,50],"data":[33],"limited.":[36],"This":[37],"approach":[38],"offers":[39],"stable":[41],"robust":[43],"way":[44],"solve":[46],"this":[47],"extremly":[48],"difficult":[49],"yet":[51],"common":[53],"business":[54],"problem.":[55]},"counts_by_year":[{"year":2013,"cited_by_count":1},{"year":2012,"cited_by_count":2}],"updated_date":"2026-06-11T06:19:23.411458","created_date":"2025-10-10T00:00:00"}