Title: Modelling deposit outflow in financial crises: application to branch management and customer relationship management
Authors: Katsutoshi Yada, Takashi Washio, Yasuharu Ukai
Addresses: RISS, Kansai University, 3-3-35, Yamate, Suita, 564-8680 Osaka, Japan. ' ISIR, Osaka University, 8-1, Mihogaoka, Ibaraki, 567-0047 Osaka, Japan. ' RISS, Kansai University, 3-3-35, Yamate, Suita, 564-8680 Osaka, Japan
Abstract: This paper aims to propose models for deposit outflows caused by various financial crises, and to present a framework of knowledge discovery required for bank management to create branch strategies and customer strategies for financial crises. Based on the models proposed in this paper, we understand effects on consumer behaviour caused by various financial crises (computer system failure, scandal, natural disaster, etc.), and estimate the total amount of deposit outflows, based on consumer behaviour data acquired through questionnaires to consumers. A bank can create appropriate branch strategies and customer strategies according to the knowledge obtained from these models.
Keywords: deposit outflows; simulation; deposit withdrawal probability; financial crisis; bank branch management; customer relationship management; banking CRM; modelling; knowledge discovery; consumer behaviour.
International Journal of Advanced Intelligence Paradigms, 2010 Vol.2 No.2/3, pp.254 - 270
Published online: 21 Dec 2009 *Full-text access for editors Full-text access for subscribers Purchase this article Comment on this article