Research on the Application of Machine Learning in the Pricing of Cash Deposit Products

Xiao Jing

European Journal of Business, Economics & Management, 2025, vol. 1, issue 2, 150-157

Abstract: In the context of interest rate marketization and the vigorous development of financial technology innovation, the pricing of cash deposit products has a dilemma of real-time responding and personalization. Based on machine learning technology, this paper designs a price model path of data acquisition, attribute construction, algorithm screening and model practice. Through neural network, supply and demand curve optimization and other means, it quantitatively analyzes consumer behavior and product fit, empirically analyzes the effectiveness and operability of the model, and provides technical support for banks to optimize capital pricing efficiency and customer loyalty.

Keywords: cash deposits; machine learning; intelligent pricing; financial technology; customer behavior modeling (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:dba:ejbema:v:1:y:2025:i:2:p:150-157

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