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基于集成学习的银行营销策略提升:实证分析。

Enhancing bank marketing strategies with ensemble learning: Empirical analysis.

机构信息

Institute of Traffic Engineering, Nanjing Vocational University of Industry Technology, Nanjing, Jiangsu, China.

School of Mathematics, Sichuan University, Chengdu, Sichuan, China.

出版信息

PLoS One. 2024 Jan 11;19(1):e0294759. doi: 10.1371/journal.pone.0294759. eCollection 2024.

Abstract

In order to enhance market share and competitiveness, large banks are increasingly focusing on promoting marketing strategies. However, the traditional bank marketing strategy often leads to the homogenization of customer demand, making it challenging to distinguish among various products. To address this issue, this paper presents a customer demand learning model based on financial datasets and optimizes the distribution model of bank big data channels through induction to rectify the imbalance in bank customer transaction data. By comparing the prediction models of random forest model and support vector machine (SVM), this paper analyzes the ability of the prediction model based on ensemble learning to significantly enhance the market segmentation of e-commerce banks. The empirical results reveal that the accuracy of random forest model reaches 92%, while the accuracy of SVM model reaches 87%. This indicates that the ensemble learning model has higher accuracy and forecasting ability than the single model. It enables the bank marketing system to implement targeted marketing, effectively maintain the relationship between customers and banks, and significantly improve the success probability of product marketing. Meanwhile, the marketing model based on ensemble learning has achieved a sales growth rate of 20% and improved customer satisfaction by 30%. This demonstrates that the implementation of the ensemble learning model has also significantly elevated the overall marketing level of bank e-commerce services. Therefore, this paper offers valuable academic guidance for bank marketing decision-making and holds important academic and practical significance in predicting bank customer demand and optimizing product marketing strategy.

摘要

为了提高市场份额和竞争力,大型银行越来越注重推广营销策略。然而,传统的银行营销策略往往导致客户需求的同质化,使得各种产品难以区分。针对这个问题,本文提出了一种基于金融数据集的客户需求学习模型,并通过归纳优化银行大数据渠道的分布模型,纠正银行客户交易数据的不平衡。通过比较随机森林模型和支持向量机(SVM)的预测模型,本文分析了基于集成学习的预测模型对电子商务银行市场细分能力的显著增强。实证结果表明,随机森林模型的准确率达到 92%,而 SVM 模型的准确率达到 87%。这表明集成学习模型比单一模型具有更高的准确性和预测能力。它使银行营销系统能够实现有针对性的营销,有效维护客户与银行之间的关系,并显著提高产品营销的成功率。同时,基于集成学习的营销模型实现了 20%的销售增长率,并将客户满意度提高了 30%。这表明集成学习模型的实施也显著提高了银行电子商务服务的整体营销水平。因此,本文为银行营销决策提供了有价值的学术指导,对预测银行客户需求和优化产品营销策略具有重要的学术和实践意义。

https://cdn.ncbi.nlm.nih.gov/pmc/blobs/6dc5/10783788/bb023735cd55/pone.0294759.g001.jpg

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