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Modelling the purchase propensity: analysis of a revolving store card

G Andreeva (), J Ansell and J N Crook
Additional contact information
G Andreeva: Credit Research Centre, University of Edinburgh
J Ansell: Credit Research Centre, University of Edinburgh
J N Crook: Credit Research Centre, University of Edinburgh

Journal of the Operational Research Society, 2005, vol. 56, issue 9, 1041-1050

Abstract: Abstract We investigate the incremental roles of information that becomes available only after a revolving loan has been granted in explaining and predicting the time taken until the borrower makes a second purchase. Using data relating to a store card, granted around the time of first purchase and used in Belgium, we find that characteristics of a first purchase and remaining credit available for use enhance the explanatory and predictive power of application characteristics. The relationship differs between good and poor payers.

Keywords: credit scoring; survival analysis; risk; banking (search for similar items in EconPapers)
Date: 2005
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Citations: View citations in EconPapers (6)

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DOI: 10.1057/palgrave.jors.2601933

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