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| Tekijä: | Peltier, J. Schibrowsky, J. Davis, J. |
| Otsikko: | Predicting payment and nonpayment of direct mail obligations: profiling good and bad credit risks |
| Lehti: | Journal of Direct Marketing
1996 : SPRING, VOL. 10:2, p. 36-43 |
| Asiasana: | DIRECT SELLING RISK PAYMENT SYSTEMS |
| Kieli: | eng |
| Tiivistelmä: | Profiles of prospect groups are developed in terms of their likelihood of fulfilling financial obligation to direct mail offers. An extensive database of individuals responding to a variety of direct mail offers is analyzed. The variables that best differentiate the likelihood of defaulting or not defaulting on their financial commitments are identified. Two specific data-analytic models are presented. The first tests hypotheses pertaining to a limited set of demographic and credit-related variables. The second begins with a set of 271 variables and identifies the 11 that best predict default likelihood. |
SCIMA