• Proceedings of the Korean Statistical Society Conference
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• 2002.11a
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• pp.249-254
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• 2002

기업의 입장에서 가장 중요한 이슈 중 하나는 자사에 있는 많은 고객들 중 회사에 수익을 가져다 줄 수 있는 고객이 누구인가라는 문제이다. 이러한 문제에 대한 기업의 고객 관리 전략 중 하나가 '교차판매(Cross-Selling)' 전략이다. 본 연구에서는 국내 A 손해보험사의 고객 데이터베이스를 활용하여 데이터마이닝프로세스가 어떻게 진행되고 있는지를 실제 프로젝트를 중심으로 설명하고자 한다. 특히, 본 연구에서 목표로 하고 있는 것은 기존의 자동차보험에 가입한 고객 중에서 장기보험에 추가로 가입하는 고객을 설명하기 위한 교차판매 스코어링 모델을 개발하는 것이다.

• The Journal of Bigdata
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• v.7 no.2
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• pp.195-204
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• 2022

The tourism industry is facing a crisis due to the recent COVID-19 pandemic, and it is vital to improving profitability to overcome it. In situations such as COVID-19, it would be more efficient to sell additional products other than guest rooms to customers who have visited to increase the unit price rather than adopting an aggressive sales strategy to increase room occupancy to increase profits. Previous tourism studies have used machine learning techniques for demand forecasting, but there have been few studies on cross-selling forecasting. Also, in a broader sense, a resort is the same accommodation industry as a hotel. However, there is no study specialized in the resort industry, which is operated based on a membership system and has facilities suitable for lodging and cooking. Therefore, in this study, we propose a cross-selling prediction model using various machine learning techniques with an actual resort company's accommodation data. In addition, by applying the explainable artificial intelligence XAI(eXplainable AI) technique, we intend to interpret what factors affect cross-selling and confirm how they affect cross-selling through empirical analysis.

• The Korean Journal of Applied Statistics
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• v.17 no.2
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• pp.229-238
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• 2004

Cross-sell models are used to predict the probability or value of a current customer buying a different product or service from the same company. Selling to current customers is one of the easiest way to increase profits and allows companies to carefully manage offers to avoid over-soliciting and possibly alienating their customers. In this study, by using the real database of an insurance company in Korea, we try to explain the steps of actual data mining process. Especially, this study aims to develop cross-sell models to predict the probability which a current customer of automobile insurance buys long-term insurance product.

• Journal of Service Research and Studies
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• v.9 no.3
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• pp.39-60
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• 2019

The purpose of this study is to analyze the determinants of insurance product cross selling performance. For the study, 11 insurance managers and 2 sales managers belonging to A insurance agency were selected and in-depth interviews were conducted. The analysis of the research data was done by the open coding method suggested by Strauss & Corbin(2001). As a result, 84 concepts, 28 subcategories and 10 categories were derived. The ten categories that were determinants of insurance product cross-selling performance were personal characteristics, consultation method, cross-selling ratio, sales culture, education, customer change, customer DB provision, satisfaction, business support system, and customer service. In order to verify the qualitative results, quantitative analysis was emplyed to the actual performance data of insurance planners belonging to A insurance agency during April 2016~March 2019. As a result of the analysis, the age, position, and the number of months worked in the insurance company had a statistically significant effect on the number of life insurance contracts in total insurance contracts and life insurance contracts in total insurance contracts. In addition, the age, position, and the number of months worked in the insurance company had a statistically significant negative impact on the number of non-life insurance contracts in the total number of insurance contracts and the total amount of insurance contracts in total insurance contracts. The result of this study can be an important basic data for the development of educational programs and job support systems for the training of insurance planners. Insurance companies should refer to ten categories derived from qualitative research in order to increase the performance of insurance planners and to promote long-term service. Especially, it is necessary to develop specialized education programs and job support systems so that cross sales that increase the proportion of life insurance sales increase.

• Asia Marketing Journal
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• v.11 no.3
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• pp.57-89
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• 2009

This study aims to shed light on the new insights on the cross-buying intentions in the banking industry and suggests an integrated model of the cross-buying intentions. Recently with globalization in the financial sector, financial companies are trying to retain current customers and attract new one by developing various financial products. In South Korea, this trend is especially apparent in the banking sector. Cross-selling of various financial products such as beneficiary certificates, bankasurance and etc. is becoming more important in retaining competitive advantage in Korean banking industry. However, there are few studies which are trying to find out the factors affecting cross-buying intentions and explain their interrelationships comprehensively. Based upon the previous studies, this study finds out the factors affecting cross-buying intentions and classifies them into two dimensions: affective and instrumental. Affective dimension includes trust, satisfaction and commitment. Instrumental dimension includes the factors such as geological convenience, one-stop convenience, professionality, and direct mail. The results from this study are as follow. All the factors in the affective dimension(trust, satisfaction and commitment) have significant impacts on cross-buying intentions. Also all the factors in the instrumental dimension(geological convenience, one-stop convenience, professionality, and DM) significantly affect cross-buying intentions. Some implications of this dissertation are as follow; First, this study identifies the antecedents of cross-buying intentions comprehensively. Second, this paper provides practical guidelines for the banks attempting to intensify cross-selling activities. Third, banks need to develop sophisticated plans which can consolidate the emotional ties with customers through positive service experiences as the affective dimension is important in influencing cross-buying intentions. Finally, regarding the instrumental dimesnion, the implications are: 1) Developing various new financial products in addition to traditional product such as deposits and installment savings for improving customer convenience, 2) Enhancing the professionality of employees by strengthening education programs on numbers of financial products, 3) Increasing cross-buying intentions through the DM.

• Journal of Intelligence and Information Systems
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• v.16 no.2
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• pp.1-17
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• 2010

Association rules among product items by association analysis suggest sales effect among products. These are useful for marketing strategies such as cross-selling and product display etc. However, if we evaluate more practical product values reflecting cross-selling effects, they will be also more useful for the decisions of companies such as product item selection for product assortment and profit maximization etc. This study proposes product value evaluation models with the concept of effective value based on single-item association chain and itemset association chain. In addition to that, we performed experiments with transaction data related to clothing of an online shopping mall in Korea to show the performances of our models. In result, we confirmed that some items increased in effective values compared with their pure values while the others decreased in effective values.

• Proceedings of the Korea Information Processing Society Conference
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• 2001.04a
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• pp.15-18
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• 2001

개별화 웹 마케팅은 본질적으로 고객지향의 패러다임이다. 즉, 개별 고객의 특수한 니즈를 개별적으로 파악해서 각각의 고객에게 차별화된 서비스를 제공하는 것이 그 핵심이다. 웹 서버의 고객이 접근한 상품의 로그파일에 데이터마이닝의 연관규칙 기술을 이용하게 되면 고객행동 패턴의 파악 및 예측을 위한 기법으로 활용할 수 있다. 본 연구에서는 웹 사용자의 교차 판매를 위한 원투원 마케팅에 필요한 접근패턴을 분석하고자 하며, 이는 고객의 상품에 대한 접근이 기록된 액세스 로그 데이터베이스의 분석을 통하여 이루어진다. 이들 데이터 처리와 교차판매 지원을 위한 데이터마이닝 모델링, 이를 통한 원투원 마케팅 모델 제시, 그리고 이의 활용이 고객관계관리(eCRM)에 미치는 효과를 제시한다.

• Proceedings of the Korea Information Processing Society Conference
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• 2000.04a
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• pp.10-15
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• 2000

개별화 웹 마케팅은 본질적으로 고객지향의 패러다임이다. 즉, 개별 고객의 특수한 니즈를 개별적으로 파악해서 각각의 고객에게 차별화된 서비스를 제공하는 것이 그 핵심이다. 웹 서버의 로그파일에 데이터마이닝의 연관규칙 기술을 이용하게 되면 고객행동 패턴의 파악 및 예측을 위한 기법으로 활용할 수 있다. 본 연구에서는 웹 사용자의 교차 판매를 위한 원투원 마케팅에 필요한 접근패턴을 분석하고자 하며, 이는 웹서버 로그파일 분석을 통하여 이루어진다. 분석하고자 하는 웹서버 로그파일은 기존의 데이터웨어하우스의 원천 데이터들과는 다르게 비정형적인 데이터 구조를 가지고있다. 이들 비정형 데이터 처리와 교차판매 지원을 위한 데이터마이닝 모델링, 이를 통한 원투원 마케팅 모델 제시, 그리고 이의 활용이 고객관계관리(CRM)에 미치는 효과를 제시한다.

• Journal of Intelligence and Information Systems
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• v.15 no.4
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• pp.159-182
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• 2009

We construct product networks from the retail transaction dataset of an off-line department store. In the product networks, nodes are products, and an edge connecting two products represents the existence of co-purchases by a customer. We measure the quantities frequently used for characterizing network structures, such as the degree centrality, the closeness centrality, the betweenness centrality and the centralization. Using the quantities, gender, age, seasonal, and regional differences of the product networks were analyzed and network characteristics of each product category containing each product node were derived. Lastly, we analyze the correlations among the three centrality quantities and draw a marketing strategy for the cross-selling.

• International Commerce and Information Review
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• v.3 no.1
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• pp.157-176
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• 2001

국내외 마케팅에 있어서 경쟁의 심화로 말미암아 새로운 고객의 획득에 따른 비용-효과보다 기존고객과의 관계유지를 위하여 고객의 평생가치를 높이도록 노력하는 것이 오히려 효과적인 경우가 많아졌다. 이러한 관계마케팅의 개념은 최근 마케팅을 포함한 기업경영 전반에 적용되는 고객관계관리(CRM)로 확장되고 있다. 또한 인터넷 기반의 e CRM이 고객행동의 분석도구를 거의 정확하고도 실시간으로 파악할 수 있게 함으로써 통합적 CRM의 아키텍쳐와 솔루션이 개발, 적용되고 있다. 통합 CRM에서의 고객은 B2B이든 B2C이든 간에 개별(개인) 고객을 가리키며, 개별 고객의 니즈와 요구를 적절하게 충족시킬 수 있도록 개인화 시스템을 구축하여 관리하는 것이 중요하다. 따라서 본 논문에서는 통합 CRM의 기본 틀과 시스템을 비롯하여 개인화 설계를 어떻게 할 것인가에 관한 사례 및 실증분석에 앞서 그 배경 지식을 정리하고자 이론적 탐구를 하였다.