Abstract
The paper is focused on retail core banking services in Central Europe where expert system named Retail core banking services calculator (Calculator) has been introduced at the beginning of the year. This online system is created to help the client to choose the best bank concerning his or hers usage pattern. The main part of the paper describes data analysis outcome from Calculator’s respondents such as client clustering and average costs. The four main client clusters are identified and described by specific and detail month usage pattern gained using the non-hierarchic cluster analysis. There is also discussed charge structure in EU non-eurozone countries but the main focus of this paper is on the e-banking clients in the Czech Republic (non-eurozone member of EU).
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References
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Acknowledgments
This paper is written in the frame of the project “Index cenové hladiny core banking services a klientské clustery”, translated as “Core banking services price level index and client clusters”, project number 2111, funded by Czech Republic Ministry of Education, Youth and Sport.
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Hedvicakova, M., Soukal, I. (2013). Expert System as the Tool for Information Asymmetry Reduction on RCBS Market in EU. In: Sobh, T., Elleithy, K. (eds) Emerging Trends in Computing, Informatics, Systems Sciences, and Engineering. Lecture Notes in Electrical Engineering, vol 151. Springer, New York, NY. https://doi.org/10.1007/978-1-4614-3558-7_42
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DOI: https://doi.org/10.1007/978-1-4614-3558-7_42
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