Documenti di Didattica
Documenti di Professioni
Documenti di Cultura
UNIVARIATE:
a) REWARD POINTS:
Reward Count of Reward
points Row Labels points
2x 2x 11
3x 3x 12
2x 4x 7
4x Grand Total 30
3x
2x Total
3x
14
4x
2x 12
3x
10
4x
2x 8
3x Total
6
2x
3x 4
3x
2
4x
3x 0
2x 3x 4x
2x
3x
4x
2x
3x
4x
2x
2x
3x
4x
2x
3x
OBSERVATION: There is majority of 2x and 3x reward points but the difference
in the reward point is almost negligible. Reward Points falls under the category
of QUALITATIVE ORDINAL.
b) CASH BACK:
Cash back BIN BIN Frequency
5.00% 3.00% 0.03 4
4.00% 4.00% 0.04 10
4.00% 5.00% 0.05 10
5.00% 6.00% 0.06 3
3.00% 7.00% 0.07 3
4.00% More 0
5.00% Histogram
7.00% 15
6.00%
Frequency
10
5.00%
4.00% 5
Frequency
3.00% 0
4.00% 0.03 0.04 0.05 0.06 0.07 More
5.00% BIN
7.00%
5.00%
3.00%
4.00%
5.00%
6.00%
4.00%
7.00%
4.00%
5.00%
3.00%
4.00%
5.00%
6.00%
4.00%
5.00%
OBSERVATION: Cashback is a form of incentive offered to buyers. There are
less customer in 3, 6 and 7 as compare to 4 and 5. Cash Back falls under the
category of QUANTITATIVE RATIO.
c) INTEREST RATE:
Interest
BIN
rate
3.00% 1.00% BIN Frequency
4.00% 2.00% 0.01 2
2.00% 3.00% 0.02 12
3.00% 4.00% 0.03 9
5.00% 5.00% 0.04 4
4.00% 0.05 3
2.00%
More 0
3.00% Histogram
2.00% 15
4.00%
Frequency
10
5.00%
3.00% 5
Frequency
2.00% 0
4.00% 0.01 0.02 0.03 0.04 0.05 More
5.00% BIN
2.00%
3.00%
2.00%
2.00%
2.00%
1.00%
2.00%
1.00%
2.00%
1.50%
2.20%
2.50%
1.50%
3.00%
2.50%
OBSERVATION: Majority of interest rate is 2 %. With the help of histogram we
can interpret that Interest rate provided by bank is pretty low. Interest Rate
comes under QUANTITATIVE RATIO.
d) FREE MOVIE TICKETS:
Free
movie BIN
tickets BIN Frequency
0 0 0 16
1 1 1 14
0 More 0
0
0
0 Histogram
0 20
1
1 15
Frequency
1 10
0
Frequency
0 5
0 0
1 0 1 More
1 BIN
1
0
1
0
1
0
1
0
1
0
1
1
0
1
0
OBSERVATION: This is another advantage provided bythe bank to attract
customer but as with the help of data we can interpret that customers are not
really enjoying the benefit. Free Movie Tickets falls under CATEGORISED
NOMINAL.
e) JOINING FEE:
Joining
BIN
fee BIN Frequency
400 300 300 2
450 400 400 12
500 500 500 12
350 600 600 3
400 More 1
450
500
550 Histogram
500 15
400
Frequency
10
400
500 5
Frequency
300 0
400 300 400 500 600 More
650 BIN
550
450
400
500
350
500
400
550
350
300
400
500
400
500
450
OBSERVATION: Customers is willing to pay a nominal amount of 400/500 as
joining fee. But more than nominal amount is not acceptable to few of them. .
Joining Fee falls under QUANTITATIVE RATIO.
f) DOCUMENTATION:
Documentation Count of
Row Labels Documentation
easy difficult 13
difficult easy 17
easy Grand Total 30
difficult Total
difficult 18
difficult 16
difficult
14
difficult
12
easy
easy 10
easy 8 Total
easy 6
easy 4
easy
2
easy
0
difficult
difficult easy
easy
easy
difficult
easy
difficult
easy
difficult
easy
difficult
easy
difficult
easy
difficult
easy
OBSERVATION: from the data we can interpret that there are many customers
who are finding difficulty in documentation. They need to find a ways to
reduce the level of documentation to easy. Documentation would fall under
CATEGORICAL ORDINAL.
g) EASY PAYMENT OPTIONS:
Easy
payment BIN
options BIN Frequency
1 0 0 16
1 1 1 14
0 More 0
1 Histogram
0 20
1
0 15
Frequency
1
10
0
Frequency
1 5
0
0
1
0 1 More
0
BIN
1
0
1
0
1 0 YES
0 1 NO
1
0
1
0
1
0
0
0
0
0
1
OBSERVATION: Customer always want the payment option to easy and simple
to use. But with the help of data the organization can know that with the good
number of satisfied customer there are also a huge number of unsatisfied
customers are there. Organization need to address the problem ASAP
otherwise they will lose their customer. Easy Payment Option falls under
QUALITATIVE NOMINAL.
h) VARIETY OF CARD:
Variety Count of Variety of
of cards Row Labels cards
y N 16
n Y 14
y
Grand Total 30
n Total
y 16.5
n
16
n
n 15.5
y
15
y
Total
y 14.5
n
14
n
n 13.5
n 13
y n y
y
y
y
n
n
n
n
y
y
y
y
n
n
n
OBSERVATION: Every customer comes into the situation with differing wants.
But bank is not able to fulfil their wants according to the data. There are more
customers whos unhappy as compared to the happy ones. Variety of Cards
falls under CATEGORICAL NOMINAL.
i) STATUS SYMBOL:
Status Count of Status
symbol Row Labels symbol
y N 13
y Y 17
y Grand Total 30
y Total
y 18
n 16
n 14
n
12
n
10
y
8 Total
y
y 6
n 4
y 2
n
0
y n y
n
y
n
y
n
y
n
y
n
y
n
y
n
y
2 More 0
3 Histogram
2 20
3
Frequency
15
2 10
3
5 Frequency
2
0
3 1 2 3 More
3 BIN
3
3
3
3
2
2 1 POOR
1 2 AVG
1 3 GOOD
2
3
3
3
2
3
1
2
3
1
1 More 0
1 Histogram
1 20
0
0 15
Frequency
0 10
0
Frequency
1 5
1
0
0 0 1 More
1 BIN
0
1
0
1
0
1
0
1 0 BAD
1 1 GOOD
1
0
0
1
0
1
1
1
m Grand Total 30
l Total
m 14
m
12
m
h 10
h
8
h
Total
h 6
l
4
m
h 2
m
0
m h l m
h
l
m
h
l
h
m
l
h
l
m
h
h
OBSERVATIONS: Security is always a major concern for any customer.
According to the data 17 banks is having to low/medium security due to which
maybe they are not able to get customers trust. Hence bank should increase
their security level. Security falls under QUALITATIVE ORDINAL.
m) DISCOUNTS:
Discounts BIN BIN Frequency
4.00% 3.00% 0.03 2
5.00% 4.00% 0.04 8
3.00% 5.00% 0.05 12
5.00% 6.00% 0.06 2
4.00% 7.00% 0.07 2
5.00% 8.00% 0.08 2
6.00% 9.00% 0.09 2
5.00% More 0
4.00% Histogram
5.00% 15
7.00%
Frequency
10
5.00%
4.00% 5
Frequency
8.00%
0
5.00% 0.03 0.04 0.05 0.06 0.07 0.08 0.09 More
9.00% BIN
5.00%
4.00%
5.00%
3.00%
5.00%
4.00%
5.00%
4.00%
7.00%
4.00%
8.00%
5.00%
9.00%
6.00%
OBSERVATIONS: According to data we can infer that banks are giving discounts
are more in 4% & 5% and others banks are equal. Banks should give more
discounts to new customer so that more customer will attract. Discounts falls
under QUANTITATIVE RATIO.
n) FOLLOW-UP:
Follow-up BIN BIN Frequency
5 1 1 0
4 2 2 1
3 3 3 6
2 4 4 13
4 5 5 10
5 More 0
3 Histogram
4 15
5
Frequency
10
3
4 5
Frequency
5
0
4 1 2 3 4 5 More
5 BIN
4
3
4
5
4
4
4
5
4
3
4
5
3
5
4
5
2 Histogram
1
16
1.5 14
2 12
Frequency
1 10
1 8
1.5 6 Frequency
2 4
3 2
0
1
1 1.5 2 2.5 3 More
2
BIN
1.5
2
1
2
2
2
2
1.5
3
1.5
3
2
3
OBSERVATION: with the help of technology you can do work instantly but
approval credit card takes time. Customer always wants faster and simple
approval. Data says that 13 banks approval process is difficult because of which
various customers are not joining bank. Approval falls under QUALITATIVE
ORDINAL.
p) DISCOUNTS ON TRAVEL:
Discounts
BIN
on travel BIN Frequency
3.00% 2.00% 0.02 4
4.00% 3.00% 0.03 10
5.00% 4.00% 0.04 7
3.00% 5.00% 0.05 9
2.00% More 0
3.00%
4.00%
5.00% Histogram
2.00% 15
3.00%
Frequency
2.00% 10
4.00%
5 Frequency
5.00%
3.00% 0
3.00% 0.02 0.03 0.04 0.05 More
4.00% BIN
5.00%
3.00%
2.00%
4.00%
5.00%
3.00%
5.00%
4.00%
5.00%
3.00%
4.00%
5.00%
3.00%
5.00%
OBSERVATION: Discounts is the only thing which makes customer active and
customer who travel a lot always want good discount on travelling, so from
above data we can infer that banks lying in 2% need to improve or else they
will lose customer. Discounts on Travel falls under QUANTITATIVE RATIO.
q) DISCOUNTS ON DINING:
Discounts
BIN
on dining BIN Frequency
2.00% 2.00% 0.02 3
3.00% 3.00% 0.03 7
5.00% 4.00% 0.04 6
4.00% 5.00% 0.05 10
5.00% More 4
3.00%
Histogram
2.00%
15
4.00%
Frequency
5.00% 10
6.00%
3.00% 5 Frequency
4.00%
0
2.00%
0.02 0.03 0.04 0.05 More
3.00%
BIN
5.00%
4.00%
5.00%
6.00%
3.00%
5.00%
4.00%
5.00%
6.00%
3.00%
5.00%
4.00%
5.00%
6.00%
3.00%
5.00%
15
21 10
25 5 Frequency
24 0
26 18 21 24 27 More
22 BIN
22
22
21
21
18
18
21
23
21
24
25
26
24
23
24
OBSERVATION: Credit cards are not for who doesnt have an income source.
Credit cards are mostly used by officials. As the data shows that customer
equal to 18 are just 3. This shows that the bank officials are very strict with the
income proof. Age Limit falls under QUANTITATIVE INTERVALS.
s) CUSTOMER CARE:
Customer Count of Customer
care Row Labels care
Y N 6
N Y 24
Y
Grand Total 30
Y
Total
Y 30
Y
25
Y
Y 20
Y
Y 15
Total
Y
Y 10
Y
5
N
N 0
N n y
N
Y
Y
Y
Y
N
Y
Y
Y
Y
Y
Y
Y
Y
OBSERVATION: when customer face any problem he/she directly call to
customer care. So bank officials actively help the customer and sort out the
best solution for customer. According to data 24 banks are having a great
customer care experience but remaining 6 banks need to improve their
customer experience. Customer Care falls under QUALITATIVE ORDINAL.
t) REVIEWS:
Count of
Reviews
Row Labels Reviews
P N 13
P P 17
P Grand Total 30
P Total
N 18
N 16
N 14
P
12
N
10
P
8 Total
N
P 6
P 4
N 2
N
0
N n p
P
N
P
N
P
N
P
N
P
P
P
P
P
N
OBSERVATION: Review is the best way to know that what customers think
about the bank. With the help of data we can infer that there are 13 banks
whose review are negative so they need improve their service. Reviews fall
under QUALITATIVE ORDINAL.
u) COMPARISION WITH OTHER CARDS:
Comparison
with other BIN
cards BIN Frequency
5 1 1 0
3 2 2 0
4 3 3 5
5 4 4 12
5 5 5 13
4 More 0
4
Histogram
5
15
4
Frequency
4 10
5
3 5 Frequency
5
0
4
1 2 3 4 5 More
4
BIN
5
3
5
4
5
5
4
4
4
5
4
3
5
3
5
OBSERVATION: it is very important to keep check on competitor. Data states
that 25 customers are satisfied, 5 are average satisfied. This shows people
enjoy the benefits of credit card in a submissive way and also like it unlike
other cards. Comparison with Other Cards falls under QUANTIFIED.
u) DISCOUNT ON RIDES:
Discount on
BIN
rides BIN Frequency
2.00% 1.00% 0.01 2
3.00% 2.00% 0.02 17
2.00% 3.00% 0.03 8
1.00% 4.00% 0.04 2
2.00% 5.00% 0.05 1
3.00% More 0
2.00% Histogram
4.00%
20
2.00%
15
Frequency
3.00%
2.00% 10
3.00% 5 Frequency
2.00%
0
3.00%
0.01 0.02 0.03 0.04 0.05 More
2.00%
BIN
1.00%
2.00%
3.00%
2.00%
3.00%
2.00%
5.00%
2.00%
3.00%
2.00%
4.00%
2.00%
2.00%
2.00%
2.00%
OBSERVATION: Discount on rides is another service include with the credit
card. Discount on rides always attract the customer but the data shows that
majority of customer is getting 2% which is less compare to others bank. So if
bank doesnt wants to lose their customers they need to increase their efforts.
Discount on Rides falls under QUANTITATIVE RATIOS.
v) ANNUAL FEE:
Annual fee BIN BIN Frequency
1000 200 200 0
800 400 400 0
1200 600 600 0
1000 800 800 5
800 1000 1000 13
1200 1200 1200 11
1000 More 1
800 Histogram
900
15
1200
Frequency
1000 10
1000 5
1200 Frequency
0
800
200 400 600 800 1000 1200 More
900
BIN
900
900
1000
800
1000
1000
1200
1300
1200
1100
1000
1100
1200
1100
1200
OBSERVATION: Customer are required to pay a nominal annual fee for
maintenance. Bank should charge little low as compare to now so that they
can grab more customer. Annual Fee falls under QUANTITATIVE INTERVALS.
w) SPECIAL DISCOUNTS:
Special discounts
BIN
on other purchases
BIN Frequency
0 0 0 13
1 1 1 17
0 More 0
1 Histogram
1 20
1
1 15
Frequency
1
10
0
Frequency
0 5
0
0
1
0 1 More
0
BIN
1
0
1
0
1
0
1
1 0 NO
1 1 - YES
1
1
0
0
0
0
1
1
OBSERVATION: according to data 17 people are getting special discount but
bank should also focus on remaining 13 people otherwise these 13 people will
move to the bank providing discounts. Special Discounts falls under
QUALITATIVE ORDINAL.
BIVARIATE:
1) CASH BACK & DOCUMENTATION:
A1 5.00%
A2 4.00% Mean 4.70%
A3 4.00% Standard Error 0.21%
A4 5.00% Median 5.00%
A5 3.00% Mode 5.00%
A6 4.00% Standard Deviation 1.15%
A7 5.00% Sample Variance 0.01%
A8 7.00% Kurtosis -21.44%
A9 6.00% Skewness 49.37%
A10 5.00% Range 4.00%
A11 4.00% Minimum 3.00%
A12 3.00% Maximum 7.00%
A13 4.00% Sum 1.41
A14 5.00% Count 30
A15 7.00%
A16 5.00% Formula for Range Mean+/- Standard Deviation
A17 3.00% Range (3.55,5.85)
A18 4.00%
A19 5.00%
A20 6.00%
A21 4.00%
A22 7.00%
A23 4.00%
A24 5.00%
A25 3.00%
A26 4.00%
A27 5.00%
A28 6.00%
A29 4.00%
A30 5.00%
Assigned
Interval Frequency Cash Documentation
back
3.55% 4 1 easy
5.85% 20 1 difficult
7% 6 1 easy
1 difficult
Interval Assigned Value 0 difficult
3.55% 0 1 difficult
5.85% 1 1 difficult
7% 2 2 difficult
2 easy
1 easy
1 easy
0 easy
1 easy
1 easy
2 easy
1 difficult
0 easy
1 easy
1 difficult
2 easy
1 difficult
2 easy
1 difficult
1 easy
0 difficult
1 easy
1 difficult
2 Easy
1 Difficult
Easy
1
10
0
6
1
2
4
0
difficult easy
Joining
Bank Joining fee
fee
A1 400
A2 450 Mean 445
A3 500 Standard Error 14.65111506
A4 350 Median 450
A5 400 Mode 400
Standard
A6 450 80.24746209
Deviation
A7 500 Sample Variance 6439.655172
A8 550 Kurtosis 0.109212268
A9 500 Skewness 0.280972527
A10 400 Range 350
A11 400 Minimum 300
A12 500 Maximum 650
A13 300 Sum 13350
A14 400 Count 30
A15 650
Formula For
A16 550 Mean+/-Standard Deviation
Range
A17 450 Range [364.75,525.25]
A18 400
A19 500
A20 350
A21 500
A22 400
A23 550
A24 350
A25 300
A26 400
A27 500
A28 400
A29 500
A30 450
Assigned
Interval Frequency Joining Security
fee
364.75 5 1 h
525.25 21 1 m
650 4 1 h
0 m
Interval Assigned Value 1 l
364.75 0 1 m
525.25 1 1 m
650 2 2 m
1 h
1 h
1 h
1 h
0 l
1 m
2 h
2 m
1 m
1 h
1 l
0 m
1 h
1 l
2 h
0 m
0 l
1 h
1 l
1 m
1 h
1 h
10
h
6
l
m
4
0
0 1 2
Cash
withdrawal
Bank Cash withdrawal limit (in lakhs)
limit (in
lakhs)
A1 1.5
A2 2 Mean 1.85
A3 1.5 Standard Error 0.107612545
A4 2 Median 2
A5 2 Mode 2
Standard
A6 2 0.589418182
Deviation
A7 2 Sample Variance 0.347413793
A8 1 Kurtosis 0.078198614
A9 1.5 Skewness 0.497970622
A10 2 Range 2
A11 1 Minimum 1
A12 1 Maximum 3
A13 1.5 Sum 55.5
A14 2 Count 30
A15 3
Mean+/- Standard
A16 1 Formula
Deviation
A17 2 Range [1.26,2.44]
A18 1.5
A19 2
A20 1
A21 2
A22 2
A23 2
A24 2
A25 1.5
A26 3
A27 1.5
A28 3
A29 2
A30 3
Assigned
Cash
Intervals Frequency withdrawal Service
limit (in
lakhs)
1.26 5 1 3
2.44 21 1 2
3 4 1 1
1 2
1 3
Intervals Assigned 1 2
1.26 0 1 3
2.44 1 0 2
3 2 1 3
1 2
Service Scale 0 3
1 poor 0 3
2 average 1 3
3 good 1 3
2 3
0 3
1 2
1 2
1 1
0 1
1 2
1 3
1 3
1 3
1 2
2 3
1 1
2 2
1 3
2 1
Count of Assigned Cash withdrawal limit (in lakhs) Column Labels
Grand
Row Labels 0 1 2 Total
1 1 3 1 5
2 1 8 1 10
3 3 10 2 15
Grand Total 5 21 4 30
12
10
0
6
1
2
4
0
1 2 3
Annual
Bank Annual fee
fee
A1 1000
A2 800 Mean 1026.666667
A3 1200 Standard Error 27.51523437
A4 1000 Median 1000
A5 800 Mode 1000
A6 1200 Standard Deviation 150.7071454
A7 1000 Sample Variance 22712.64368
A8 800 Kurtosis -1.107032218
A9 900 Skewness -0.035210909
A10 1200 Range 500
A11 1000 Minimum 800
A12 1000 Maximum 1300
A13 1200 Sum 30800
A14 800 Count 30
A15 900
Mean+/- Standard
A16 900 Formula
Deviation
A17 900 Range [875.96,1177.37]
A18 1000
A19 800
A20 1000
A21 1000
A22 1200
A23 1300
A24 1200
A25 1100
A26 1000
A27 1100
A28 1200
A29 1100
A30 1200
Annual
Intervals Frequency Reviews
fee
875.96 5 1 p
1177.37 16 0 p
1300 9 2 p
1 p
0 n
Intervals Assigned 2 n
875.96 0 1 n
1177.37 1 0 p
1300 2 1 n
2 p
1 n
1 p
2 p
0 n
1 n
1 n
1 p
1 n
0 p
1 n
1 p
2 n
2 p
2 n
1 p
1 p
1 p
2 p
1 p
2 n
Count of Annual
fee Column Labels
Grand
Row Labels n p Total
0 2 3 5
1 7 9 16
2 4 5 9
Grand Total 13 17 30
10
5 n
4 p
0
0 1 2