Title: Credit cards in a developing economy: a data mining approach

Authors: Ankit Mehrotra; Reeti Agarwal

Addresses: Faculty of Information Technology, Jaipuria Institute of Management, Lucknow – 226010, Uttar Pradesh, India ' Faculty of Marketing, Jaipuria Institute of Management, Lucknow – 226010, Uttar Pradesh, India

Abstract: Usage of credit cards has been witnessing an increase in recent years in India. The study was undertaken to comprehend the effect of the different demographic characteristics of the respondents on credit cards owned by them. Findings indicate that friends/family members are most influential in affecting customer's knowledge of credit card. It was seen that for pitching more than one credit card, the group of customers that should be targeted are those with low income and in the age group 46-60 years.

Keywords: C&RT; credit cards; data mining; demographic variables; feature selection; gender; income; Indian customers; influencing medium; target group.

DOI: 10.1504/IJIDS.2020.110449

International Journal of Information and Decision Sciences, 2020 Vol.12 No.4, pp.377 - 389

Received: 18 Feb 2019
Accepted: 06 Apr 2019
Published online: 20 Oct 2020 *

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