Monte Carlo / Predicting New Customers’ Risk Type / /
Country
United States / China / /
Currency
USD / HKD / / /
Facility
Georgia State University / J. Mack Robinson College of Business / Hong Kong University of Science / /
IndustryTerm
Web Appendix / finance charges / advertising effect analysis / bank card industry average / bank / finance / customer relationship management / /
Organization
J. Mack Robinson College of Business / Department of Marketing / Hong Kong University of Science and Technology / Georgia State University / Federal Reserve Board / Center for Excellence / Research Grants Council of the Hong Kong Special Administrative Region / /
Person
Van Heerde / Sunil Gupta / YI ZHAO / YING ZHAO / Inseong Song / /
Position
Associate Professor of Marketing / Assistant Professor of Marketing / associate editor for this article / naive model for the holdout sample / proposed model for the three consumer types / /
YI ZHAO, YING ZHAO, and INSEONG SONG* Recent studies in marketing have consistently shown that all customers are not equally profitable. In the credit card business, all customers are not equally risky. When a customer m