Table 11 Descriptive statistics of real and integer features
From: A framework to improve churn prediction performance in retail banking
Feature | Average | Standard deviation | Minimum | Median | Maximum |
|---|---|---|---|---|---|
01. Adjusted overdraft limit | 256.40 | 630.09 | 0.00 | 0.00 | 9,250.00 |
02. Balance value (inflow-outflow) of credit portability | 18.58 | 16,280.40 | − 338,316.03 | 0.00 | 414,720.72 |
03. Balance value (inflow-outflow) of salary portability | 306.95 | 1,266.32 | − 5,531.10 | 0.00 | 0.00 |
05. Checking account balance | 298.07 | 2,077,43 | 0.00 | 4.74 | 53,932.53 |
06. Cohort | 57.31 | 18.43 | 6.00 | 68.00 | 68.00 |
07. Credit card limit | 466.05 | 1,216.43 | 0.00 | 0.00 | 14,875.00 |
09. Credit score continuous | 0.10 | 0.11 | 0.00 | 0.06 | 0.87 |
14. Maximum viable overdraft limit | 370.53 | 894.32 | 0.00 | 0.00 | 13,900.00 |
15. Overall income | 3,468.91 | 5,707.86 | 0.00 | 1,915.50 | 125,626.80 |
16. Overall overdraft limit | 256.40 | 630.09 | 0.00 | 0.00 | 9,250.00 |
17. Overdraft limit | 1,213.84 | 3,925.43 | 0.00 | 0.00 | 60,000.00 |
18. Paycheck value | 1,678.21 | 2,449.37 | 0.00 | 1,100.00 | 32,995.03 |
20. Savings account balance | 2,703.46 | 15,142.11 | 0.00 | 0.00 | 304,495.32 |
26. Value customer takes the credit value in the banking system | 19,694.76 | 61,405.29 | 0.00 | 1,076.91 | 1,481,108.16 |
27. Value of inflow of credit portability | 678.95 | 10,654.78 | 0.00 | 0.00 | 338,316.03 |
28. Value of inflow of salary portability | 306.95 | 1,266.32 | 0.00 | 0.00 | 5,531.10 |
29. Value of outflow of credit portability | 697.39 | 12,605.24 | 0.00 | 0.00 | 417,276.72 |
33. Purchase recency | 0.08 | 0.89 | 0 | 0.00 | 33 |
34. Purchase frequency | 30.24 | 7.49 | 0 | 33.00 | 33 |
35. Relative purchase frequency | 0.97 | 0.17 | 0.00 | 1.00 | 1.00 |
37. Effective total amount transacted monthly | 16,358.43 | 55,182.67 | 0.00 | 669.87 | 1,248,443.91 |
38. Number of distinct monthly transactions | 12.92 | 15.79 | 0.00 | 7.00 | 1,160.00 |
39. Total value transacted monthly | 19,282.47 | 58,117.48 | 0.00 | 2,265.93 | 1,297,626.13 |
40. Total contribution margin | 75.11 | 232.77 | − 79.47 | 3.40 | 28,222.49 |
41. Credit purchase recency | 2.45 | 7.09 | 0 | 0.00 | 33 |
42. Investment purchase recency | 14.86 | 14.81 | 0 | 9.00 | 33 |
43. Use of mobile channels recency | 7.82 | 12.63 | 0 | 0.00 | 33 |
47. Number of direct debits | 0.48 | 0.86 | 0 | 0.00 | 11 |
48. The number of interactions in mobile channels | 16.41 | 33.39 | 0 | 0.00 | 2,200 |
49. The number of transactions and purchases in mobile channels | 2.49 | 5.73 | 0 | 0.00 | 553 |
50. Number of distinct products purchased | 3.43 | 2.79 | 0 | 3.00 | 20 |
56. Overall investment value | 4,987.83 | 21,306.99 | 0.00 | 0.00 | 370,407.32 |
57. Overall credit value | 10,182.29 | 47,298.56 | 0.00 | 95.14 | 1,062,054.80 |
58. The ratio of overall credit value over credit value taken by the customer with all banks in the market | 0.27 | 0.40 | 0.00 | 0.00 | 1.00 |
59. Number of investment products terminated | 1.44 | 4.47 | 0 | 0.00 | 32 |
60. Number of credit contracts finished or terminated | 0.69 | 1.69 | 0 | 0.00 | 32 |