# 신용카드 거래내역 군집분석(고객 마케팅 용도)install.packages('fpc')package 'fpc' successfully unpacked and MD5 sums checked
The downloaded binary packages are in
C:\Users\one\AppData\Local\Temp\RtmpoZE3F5\downloaded_packagesinstall.packages('useful')package 'useful' successfully unpacked and MD5 sums checked
The downloaded binary packages are in
C:\Users\one\AppData\Local\Temp\RtmpoZE3F5\downloaded_packagesinstall.packages('NbClust')package 'NbClust' successfully unpacked and MD5 sums checked
The downloaded binary packages are in
C:\Users\one\AppData\Local\Temp\RtmpoZE3F5\downloaded_packagesinstall.packages('HSAUR')package 'HSAUR' successfully unpacked and MD5 sums checked
The downloaded binary packages are in
C:\Users\one\AppData\Local\Temp\RtmpoZE3F5\downloaded_packagesdat2=read.csv("CC_RANGE.csv")
head(dat2)| TENURE | BALANCE_range | BALANCE_FREQUENCY_range | PURCHASES_range | ONEOFF_PURCHASES_range | INSTALLMENTS_PURCHASES_range | CASH_ADVANCE_range | PURCHASES_FREQUENCY_range | ONEOFF_PURCHASES_FREQUENCY_range | PURCHASES_INSTALLMENTS_FREQUENCY_range | CASH_ADVANCE_FREQUENCY_range | CASH_ADVANCE_TRX_range | PURCHASES_TRX_range | CREDIT_LIMIT_range | PAYMENTS_range | MINIMUM_PAYMENTS_range | PRC_FULL_PAYMENT_range |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 12 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 12 | 2 | 5 | 1 | 1 | 1 | 4 | 1 | 1 | 1 | 2 | 1 | 1 | 2 | 2 | 1 | 1 |
| 12 | 2 | 5 | 1 | 1 | 1 | 1 | 3 | 4 | 1 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |
| 12 | 1 | 5 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 12 | 1 | 5 | 1 | 1 | 2 | 1 | 2 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | 1 |
| 12 | 1 | 5 | 4 | 4 | 1 | 1 | 3 | 4 | 3 | 1 | 1 | 3 | 4 | 3 | 1 | 4 |
#datascale=scale(dat2) #표준화
datascale = dat2
datascale = datascale[sample(1:nrow(datascale), 2000),]head(datascale)| TENURE | BALANCE_range | BALANCE_FREQUENCY_range | PURCHASES_range | ONEOFF_PURCHASES_range | INSTALLMENTS_PURCHASES_range | CASH_ADVANCE_range | PURCHASES_FREQUENCY_range | ONEOFF_PURCHASES_FREQUENCY_range | PURCHASES_INSTALLMENTS_FREQUENCY_range | CASH_ADVANCE_FREQUENCY_range | CASH_ADVANCE_TRX_range | PURCHASES_TRX_range | CREDIT_LIMIT_range | PAYMENTS_range | MINIMUM_PAYMENTS_range | PRC_FULL_PAYMENT_range | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 8417 | 9 | 1 | 5 | 1 | 1 | 1 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 2265 | 12 | 4 | 5 | 4 | 4 | 1 | 1 | 3 | 2 | 3 | 1 | 1 | 4 | 4 | 1 | 2 | 1 |
| 2244 | 12 | 3 | 5 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | 1 | 1 |
| 7395 | 12 | 1 | 4 | 1 | 1 | 1 | 1 | 2 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| 4433 | 12 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| 2895 | 12 | 1 | 5 | 2 | 1 | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 2 | 3 | 1 | 1 | 2 |
kim.out=hclust(d=dist(datascale[sample(1:nrow(datascale), 20),]))
kim.outCall:
hclust(d = dist(datascale[sample(1:nrow(datascale), 20), ]))
Cluster method : complete
Distance : euclidean
Number of objects: 20 plot(kim.out)
kim.out <- kmeans(datascale, 10)
kim.out K-means clustering with 10 clusters of sizes 149, 176, 290, 94, 513, 124, 177, 257, 171, 49
Cluster means:
TENURE BALANCE_range BALANCE_FREQUENCY_range PURCHASES_range
1 7.416107 1.161074 4.342282 1.026846
2 11.954545 1.403409 4.909091 1.744318
3 11.920690 1.203448 4.896552 1.196552
4 11.648936 3.063830 4.957447 1.127660
5 11.877193 1.163743 4.883041 1.007797
6 11.838710 1.000000 4.580645 1.120968
7 11.909605 1.000000 2.175141 1.011299
8 11.887160 1.105058 4.805447 1.015564
9 11.865497 2.871345 4.953216 1.058480
10 11.959184 2.122449 4.979592 4.122449
ONEOFF_PURCHASES_range INSTALLMENTS_PURCHASES_range CASH_ADVANCE_range
1 1.033557 1.026846 1.315436
2 1.778409 1.267045 1.028409
3 1.034483 1.555172 1.044828
4 1.095745 1.159574 3.500000
5 1.013645 1.000000 1.124756
6 1.048387 1.330645 1.008065
7 1.022599 1.016949 1.112994
8 1.015564 1.042802 1.015564
9 1.040936 1.093567 1.795322
10 3.204082 3.530612 1.061224
PURCHASES_FREQUENCY_range ONEOFF_PURCHASES_FREQUENCY_range
1 1.812081 1.187919
2 2.892045 3.386364
3 2.996552 1.175862
4 1.691489 1.478723
5 1.015595 1.042885
6 2.548387 1.403226
7 1.237288 1.039548
8 2.159533 1.463035
9 1.339181 1.146199
10 2.897959 3.142857
PURCHASES_INSTALLMENTS_FREQUENCY_range CASH_ADVANCE_FREQUENCY_range
1 1.583893 1.637584
2 1.909091 1.142045
3 2.968966 1.151724
4 1.414894 3.723404
5 1.001949 1.434698
6 2.306452 1.016129
7 1.192090 1.096045
8 1.700389 1.101167
9 1.198830 1.853801
10 2.591837 1.163265
CASH_ADVANCE_TRX_range PURCHASES_TRX_range CREDIT_LIMIT_range PAYMENTS_range
1 1.221477 1.046980 1.214765 1.046980
2 1.079545 1.931818 2.238636 1.414773
3 1.075862 1.482759 1.520690 1.103448
4 3.776596 1.265957 2.829787 2.361702
5 1.202729 1.009747 1.270955 1.054581
6 1.016129 1.250000 1.774194 1.064516
7 1.056497 1.000000 1.542373 1.254237
8 1.035019 1.073930 1.350195 1.027237
9 1.461988 1.029240 2.935673 1.350877
10 1.122449 4.204082 3.530612 2.775510
MINIMUM_PAYMENTS_range PRC_FULL_PAYMENT_range
1 1.020134 1.416107
2 1.028409 1.505682
3 1.186207 1.193103
4 1.425532 1.127660
5 1.089669 1.013645
6 1.016129 3.580645
7 1.000000 1.384181
8 1.042802 1.112840
9 1.210526 1.005848
10 1.285714 2.000000
Clustering vector:
8417 2265 2244 7395 4433 2895 1490 880 1692 7935 2851 1809 2102 3916 4405 4513
1 10 9 8 5 3 5 5 3 5 7 4 2 9 8 8
6288 6185 325 8301 2623 3550 5479 7366 8092 1530 8450 8311 7697 3351 5198 3751
1 7 6 5 7 5 1 3 7 5 3 3 8 5 8 8
4576 2142 7094 2665 1513 26 3611 5998 3713 6258 6503 409 135 3061 3155 4869
7 9 7 4 3 5 10 8 3 8 8 9 6 5 3 5
5519 6490 5900 4841 4330 5457 2045 5681 6484 1441 3231 5160 5880 3502 7140 6142
5 5 3 2 2 7 5 1 3 2 3 2 8 6 7 2
349 5875 1368 3244 2833 4634 4744 2497 3583 596 8569 108 8282 7486 1306 3285
5 5 3 8 2 5 2 3 5 4 1 10 5 5 5 2
6059 7966 3074 7377 5865 3761 5417 8308 240 4177 8104 8150 7069 7820 4468 2567
3 2 3 5 7 5 6 3 3 5 3 7 1 5 9 4
6935 4254 7129 7075 6659 4766 8223 3638 7673 7554 4617 7204 7942 851 8552 67
5 5 5 2 4 5 7 8 8 5 5 8 3 6 1 8
5622 996 526 6762 4402 1791 748 5972 7750 5879 5529 1874 5680 6554 6380 5902
6 7 10 8 2 3 3 8 8 1 1 7 5 7 9 5
4115 4665 4338 3101 3036 2650 8432 7335 6344 1461 4561 7622 6831 5138 2825 339
5 8 8 7 3 6 1 6 5 6 4 8 8 9 5 2
2915 1787 8290 5025 6742 7081 5572 8206 1916 6121 5859 4017 3673 7512 7682 7879
5 8 5 2 5 1 3 3 3 2 3 3 8 5 5 5
6514 131 6998 6148 3940 7719 6120 8215 1819 8033 3666 5743 6665 2913 203 4503
5 8 3 5 8 3 5 1 4 5 9 2 9 5 2 5
1382 2213 2472 7137 1069 2604 5375 5700 5083 1728 7364 7368 5989 2149 8461 1854
8 7 8 8 5 3 8 2 2 2 6 5 5 2 3 9
1981 3694 7977 1682 5402 186 290 2575 529 4718 6814 2908 2365 2336 624 2866
3 3 5 8 6 7 9 8 6 2 5 2 9 8 5 5
8630 7199 7013 939 435 7127 8633 4190 1707 1734 658 3368 537 4056 386 2178
1 1 8 8 9 2 1 5 2 7 2 2 8 5 5 8
281 2599 5077 2441 1334 3166 1715 8420 4519 4618 2584 7200 1883 5071 2160 6679
5 5 6 5 7 5 8 8 8 9 2 6 4 1 4 8
5020 4853 6658 1740 600 3676 4358 3230 2055 7765 5664 5404 717 6515 6418 3165
5 9 5 8 5 3 2 5 4 3 5 3 9 6 3 8
4938 1795 7397 8219 837 2405 540 2944 4086 8106 5714 5425 7733 4341 2703 709
4 5 8 5 9 4 8 4 5 7 1 5 8 5 1 2
700 2418 1934 4226 6133 4030 8270 4220 2147 4836 8489 3193 4569 6351 7993 316
1 1 5 3 7 7 5 6 5 4 6 8 1 4 5 2
1998 2277 7065 1718 1577 3734 4585 5830 8128 5952 2518 3473 7763 5701 3188 2587
4 9 5 5 8 5 9 3 8 3 9 9 3 5 1 8
8447 2010 8339 6229 2765 4959 6036 5422 8207 2735 5167 6841 4949 8443 4054 100
7 5 7 2 5 5 7 7 3 7 9 8 5 1 7 3
3775 4434 1241 7267 3085 1192 8103 5668 6242 5793 2264 3570 3411 3678 7450 6764
1 9 3 8 8 4 3 1 1 5 6 5 6 5 8 7
5868 1613 441 7260 768 3946 3460 4575 6849 1704 5022 7830 8531 8258 6931 4435
4 10 10 5 5 5 5 2 5 5 3 3 1 3 5 4
901 4160 4706 7186 4537 5112 3092 890 4556 397 8468 5308 6994 6127 2800 1592
10 7 6 7 5 5 5 5 8 9 6 4 9 7 3 9
7732 6971 7955 4798 1055 3178 4942 919 1022 6161 2107 2288 6015 6037 6716 1070
1 4 1 5 9 5 8 5 5 8 9 5 8 9 1 6
892 5950 1633 8523 2411 2138 3496 498 5597 655 1506 1032 2758 975 5817 5137
2 5 5 1 2 6 8 7 3 3 5 5 2 3 3 6
918 2434 4786 5450 1482 538 1849 8024 6012 1792 6472 8407 4215 8321 7952 5642
3 2 5 5 2 9 3 3 7 5 5 4 8 5 6 2
390 8007 2873 1605 6744 122 4825 5786 4694 6475 3988 5620 7401 1354 356 4831
5 5 1 5 1 3 2 6 5 5 2 3 5 8 3 3
5822 6749 1788 5737 2826 6223 5957 2021 5733 4922 2489 7316 4668 6109 1537 4232
5 1 5 2 7 1 3 3 5 5 3 3 3 9 7 6
5052 2513 1551 7689 8230 659 4377 3540 7802 8238 3000 8291 7531 7085 7690 3295
7 5 4 6 6 3 8 3 3 7 3 1 5 7 5 9
4007 2824 5418 5548 4691 3015 4524 8026 3376 4830 5550 7727 7587 6974 6760 4598
5 5 5 5 7 5 8 5 3 5 9 1 5 5 7 5
426 8181 265 6943 8392 3434 1064 6070 2122 2014 8105 7437 461 3403 7889 3827
8 1 5 8 2 3 9 2 5 1 3 6 5 10 7 2
4216 6631 3324 5650 835 4256 8609 1106 3585 2556 6675 4441 3305 8124 5201 1431
5 7 5 3 2 9 1 5 3 8 7 5 5 7 7 2
468 7963 1496 7387 6433 3436 4187 1628 5500 1935 6316 278 4096 1719 2877 4105
3 3 8 3 8 1 7 5 2 3 8 6 5 10 9 9
2287 3854 205 5028 637 3526 4361 7735 4286 6901 2787 4203 7965 4071 8622 3394
3 3 10 3 10 8 5 5 2 5 3 5 8 8 1 2
7358 287 3248 5115 6244 4654 2955 4770 1790 3663 6406 4580 5660 8323 1585 3909
8 1 4 3 1 8 5 8 1 7 3 8 1 3 2 8
6602 6068 4731 6180 6613 4605 685 4991 3697 7423 1838 1947 7097 1424 556 3013
8 5 3 5 7 3 10 10 10 8 7 5 2 9 5 3
4084 2344 8098 154 143 6329 5836 497 8564 4541 3726 3745 1465 2951 4272 630
7 2 7 7 9 5 8 2 1 5 5 10 3 5 3 5
1631 1140 4077 3382 4913 1384 5390 3561 6090 612 7370 6989 6442 1976 3072 5812
10 9 1 3 3 4 6 8 7 1 3 3 2 9 9 9
6884 4842 4132 810 5740 4470 1826 2871 6947 4721 1035 4574 1164 5293 7273 5521
8 7 5 8 8 8 6 5 8 7 6 8 7 8 3 9
5051 721 7122 2214 3918 2565 1757 3671 5343 2506 8209 5771 3602 6439 8191 2081
8 6 3 5 5 6 2 5 2 8 3 2 5 5 5 8
6199 2816 2985 1542 7585 1206 585 6312 4581 2545 839 1544 757 3939 8044 4943
6 3 10 9 7 3 3 3 5 5 9 2 10 10 5 5
1796 7027 3968 5381 4300 2675 3176 2756 206 3258 4407 8390 8278 1591 527 7806
1 8 5 5 8 7 3 3 8 5 2 7 8 3 5 1
1100 121 5993 6603 3167 4352 3208 4189 3759 7339 7886 7549 2799 6135 3113 5102
5 10 8 9 5 5 5 9 8 3 1 6 3 3 8 6
3882 5520 5096 7307 2330 5090 1863 1433 3571 832 5400 7037 4616 3482 8245 3079
9 5 5 5 9 8 1 2 5 2 4 6 9 3 1 5
824 6863 2398 4915 7928 2898 8216 4337 1357 8538 8208 317 1625 8388 4412 8472
6 8 5 7 3 6 5 1 2 1 7 3 2 5 4 1
8169 8109 4910 1676 6834 3042 5050 8591 7243 5538 255 144 8503 1816 5645 5983
5 1 8 4 7 5 3 1 8 4 8 3 3 5 3 8
8608 4277 7722 1005 5526 329 899 7427 5686 3255 2424 5405 6485 6671 6046 2223
1 2 3 3 7 8 6 1 8 5 7 4 7 2 3 6
5424 6915 7064 986 1212 1812 6303 4325 2875 252 6481 6845 6615 6493 4689 2383
7 5 5 5 10 10 1 3 3 3 1 6 9 3 3 8
7152 478 7385 4979 8360 7328 1476 7598 6083 2743 3682 2571 4363 6093 5290 3342
3 2 5 5 3 3 3 2 2 5 4 9 5 6 9 5
4062 4130 5532 4257 5578 6169 8516 4625 1111 3707 5570 5798 8577 6320 4495 3088
5 3 5 1 9 2 1 8 2 3 5 5 1 5 5 9
661 3163 8268 3605 6686 7501 5465 1034 2509 3075 3290 7149 6450 7189 2120 8127
1 3 6 6 5 3 7 9 6 9 5 9 5 7 5 1
4228 345 3656 1318 5889 5981 404 6905 4123 3068 2140 931 978 6342 8154 7444
5 6 7 8 7 2 7 3 5 9 5 2 4 6 7 6
7177 6153 2537 7263 5116 1349 6325 3844 1333 2505 8217 5542 3315 1092 3065 161
5 5 5 5 7 8 5 2 4 8 1 5 8 5 5 3
720 6314 1813 7818 6663 3004 481 3655 2797 6289 1774 3783 3637 6897 471 1911
9 7 4 1 2 9 6 5 3 5 5 8 5 3 10 5
7038 2634 3122 6298 3245 951 8406 1352 2528 4426 3647 220 2655 3495 4643 7974
3 1 5 10 8 5 3 2 9 8 5 2 8 1 5 6
6879 8229 1936 3791 6846 849 6593 4384 4520 3338 2772 5589 5135 5366 5776 7852
5 5 9 8 9 9 7 7 8 6 9 5 3 5 9 9
4398 7322 2589 6674 7769 5103 4734 1581 3848 6721 2874 6816 2061 2952 86 562
8 5 7 9 5 2 2 3 7 5 5 1 3 6 5 9
2175 6820 2949 552 3471 7550 8055 6731 1058 4781 5910 491 8170 5388 1355 8048
8 7 7 3 5 6 6 5 9 5 5 3 2 4 3 1
347 6225 7613 3803 5428 7579 3216 6272 8615 1137 1943 8241 727 4209 8495 7958
5 5 4 3 8 3 5 9 1 4 9 5 5 5 3 5
4266 2839 8167 180 2311 3018 4221 6585 5101 5171 3229 3547 112 3045 1524 2801
7 9 7 9 3 3 3 8 9 4 2 5 10 5 2 4
1709 81 1299 5921 6695 5551 8171 5086 1294 7089 8193 868 430 4239 4342 7561
5 4 6 5 7 3 9 5 1 6 3 8 3 5 5 1
115 8581 7274 3801 7625 7794 6523 1555 2638 1213 6257 4937 8037 1386 5765 4986
4 1 10 9 5 8 5 2 5 5 5 7 3 2 2 5
6552 997 3572 2438 332 4571 2928 5154 4659 4301 5489 6182 5977 3640 5310 4679
5 5 9 8 4 3 5 1 3 6 3 4 5 9 4 5
3429 7836 285 7621 4732 6146 5221 1804 985 4791 6222 6066 6438 3986 934 3032
9 8 5 3 8 7 2 4 7 5 9 2 3 2 3 9
7262 2880 2073 5203 8158 5607 8205 1051 3614 2378 427 2596 5626 7902 533 6521
8 8 9 3 3 2 7 5 5 1 3 7 9 8 5 8
602 6550 3936 2075 2868 4457 4725 1221 6441 5301 5289 1665 6065 4406 4518 5123
2 5 5 5 8 1 6 2 5 3 7 3 1 5 5 9
2348 6007 522 883 399 4883 7746 4870 6477 1847 2522 7403 2226 3284 1884 5313
2 3 5 3 4 5 3 5 3 8 9 4 3 4 9 2
7546 7923 2034 4677 4587 3557 2935 7476 5976 3899 4972 3890 6810 3228 6404 1130
8 5 5 5 3 9 8 5 5 5 2 8 6 1 4 10
4149 3005 1462 3319 6582 4214 4990 7647 645 7433 5563 5030 1748 7580 5449 2163
2 6 3 5 8 9 5 3 5 3 5 6 2 5 9 8
7039 5966 267 3643 6737 3765 1824 7311 4717 2410 7859 4678 7015 7264 3522 2540
8 8 3 8 6 5 9 3 5 6 7 1 8 4 5 8
2154 2629 238 3971 8455 4409 4270 8335 7343 8566 5585 1770 3721 2346 690 5567
10 3 8 5 8 3 5 3 5 1 5 2 2 1 5 8
5814 6894 5408 6165 7324 8496 6888 1378 5036 7287 1228 3597 4988 8431 1316 7627
5 8 5 5 3 8 8 5 6 8 9 3 10 3 5 7
1165 8322 4699 7969 4960 463 3923 4417 3093 4567 4996 496 1743 8022 2544 1693
7 3 8 5 5 8 9 6 5 9 7 8 3 7 5 6
1275 4733 3419 1659 6908 4647 58 3994 4864 5053 5104 7565 3951 396 796 7025
3 8 7 7 6 5 3 3 5 9 5 3 5 5 4 5
5333 5338 8377 6331 1142 6907 6833 2463 6911 2442 4076 1340 2628 2237 6250 1047
7 2 7 7 5 6 3 5 5 3 9 6 2 3 7 5
5635 2016 6940 1227 643 6091 2377 916 4079 7782 1521 5079 2191 802 653 1214
9 5 5 8 2 5 5 9 5 3 2 5 2 9 2 6
3582 5235 6802 2535 391 2024 3813 3541 4596 2008 4020 1457 2791 2458 1848 2520
8 2 6 3 5 5 6 5 5 5 2 3 8 5 3 5
2012 6592 6818 6393 3186 4244 6017 3590 732 3612 2602 4415 666 1736 3894 7121
2 5 8 8 1 8 8 5 5 2 2 4 5 9 4 6
4983 422 3693 116 2653 1876 3703 8140 3569 1942 4290 7278 6875 7652 6286 2476
3 5 2 3 8 9 5 3 3 5 2 8 7 8 2 6
610 4871 5671 6428 3529 5965 7605 7865 5340 3628 1331 5091 558 7738 351 8161
4 9 10 8 6 1 8 7 5 9 2 6 7 5 7 3
6376 4055 3259 3950 8040 2969 7856 3933 1993 466 8082 4379 6793 955 8085 1534
7 6 1 9 4 9 8 1 5 6 5 5 5 2 6 4
2749 4544 3962 2854 3123 3404 1634 7677 1417 3718 2586 7829 3024 1049 6044 3959
5 1 2 6 8 8 9 2 5 3 5 8 3 5 9 5
2930 5306 3445 5534 3485 2468 2941 4151 7361 8146 4726 3057 7691 7868 2396 7785
5 5 5 9 9 6 8 9 5 7 8 4 7 8 7 8
7480 3393 7006 5469 5468 7265 1487 2543 774 6584 788 7362 841 6877 3719 4703
4 2 8 2 1 3 7 4 7 9 8 6 5 8 5 6
3608 2907 6071 6969 2118 1954 6941 7325 98 7309 5658 2822 7155 8070 2515 6152
8 3 3 4 2 7 5 2 4 8 2 8 8 6 7 8
2400 7193 405 6099 1557 530 4222 3920 5034 3212 6527 2517 4129 2457 459 5633
5 7 4 5 10 3 2 5 9 5 2 9 3 7 4 8
7517 425 1019 7681 1203 2614 2492 1285 6232 8296 2430 6766 5769 302 8119 920
2 3 3 6 2 9 8 7 3 1 5 2 3 3 5 9
969 4905 2804 3180 2181 133 3194 2838 5140 622 4509 3897 6047 1913 7247 7301
5 1 8 5 4 9 1 5 5 2 1 9 6 5 6 5
4344 6735 7173 2380 7077 4672 546 5852 7098 3491 3517 2215 5452 6865 5463 5001
5 5 1 9 6 2 10 3 6 5 5 7 9 8 3 8
4751 5277 8240 3800 6778 5173 8452 2089 344 8135 4968 1185 5178 7775 3145 5181
9 2 6 4 7 1 1 8 10 3 9 8 5 5 5 3
8505 6610 6119 5750 2056 5973 1926 3785 2455 6118 2552 2999 8462 5331 2048 1435
1 8 5 9 7 2 8 3 3 9 3 4 6 6 1 8
2664 5274 47 1332 73 1699 7391 676 6694 8583 5076 7908 7160 2937 5225 2889
9 5 5 10 9 3 6 9 3 1 6 3 7 2 5 2
5706 4329 2281 7376 6916 1621 711 3773 4246 6054 2255 6315 5060 8493 8623 8235
7 9 4 8 8 2 8 3 3 8 10 5 8 3 1 8
1929 6904 4738 6060 5246 52 2775 5768 3063 3843 5515 670 2323 3190 8439 1747
3 9 5 6 9 2 3 2 1 3 3 9 9 6 5 8
5539 6724 3559 3686 7982 7709 2327 8057 6045 6367 2885 1568 691 5693 948 3062
5 6 9 5 6 7 3 3 5 5 5 8 9 2 5 7
3303 5656 1595 7989 6501 5141 185 3981 7381 1571 451 2198 3955 4389 6215 1646
1 5 7 3 8 7 9 7 5 10 2 7 10 1 6 5
5269 7825 8058 3668 921 2502 886 1611 406 4399 2453 2270 4736 5999 3313 8425
4 3 1 4 3 5 5 6 5 5 5 5 3 1 3 8
8031 8525 36 4762 6785 6333 7545 817 2832 7608 6160 5540 7790 3399 2523 7308
5 1 4 2 5 5 3 2 5 5 4 8 5 8 5 1
1485 5934 1359 1963 2563 3287 6282 743 6771 225 6547 4182 7449 5321 7276 4385
9 5 4 5 4 1 6 3 1 3 5 5 3 4 8 2
2750 7594 5988 3048 6906 5222 3243 3035 7318 1745 555 5564 1341 2068 2283 6032
5 3 3 5 7 7 2 3 5 2 5 7 3 5 2 2
4483 6754 8351 4506 8319 2044 1091 8398 7897 3874 1489 762 6311 2696 3449 5220
5 7 5 6 8 5 6 1 8 2 10 6 3 10 10 5
803 6792 4092 4188 2413 2508 2084 5082 1638 8018 1449 4724 1548 458 3204 7996
9 8 4 2 8 3 5 4 5 7 8 2 5 2 5 8
607 5223 4564 588 984 4335 6003 1639 3320 1869 1653 183 5858 1806 4265 1480
10 3 8 3 5 9 2 9 2 7 3 5 2 2 2 8
8550 4817 5964 8340 4655 620 5731 8555 6534 8350 705 476 1048 6639 434 1984
1 5 5 6 7 7 5 1 5 7 3 4 5 5 4 7
3049 6429 3322 1259 6978 1726 723 6898 7712 5985 1576 6779 3301 2009 5476 5414
6 2 4 4 8 7 4 2 8 5 1 7 5 8 5 7
958 3841 5155 3262 6487 4884 38 8587 7640 495 941 1994 7261 8571 875 5150
9 5 3 8 4 2 9 1 5 8 1 1 5 1 7 5
4900 6028 7249 1326 4170 6617 7190 2591 5392 169 7104 7524 1681 263 7091 686
5 5 4 7 5 7 4 9 9 7 2 7 7 2 5 10
738 5158 2622 3139 8501 5359 1781 5846 963 6866 512 1158 1587 1464 5978 8259
2 5 4 9 5 3 3 7 7 1 1 3 5 3 9 4
4828 6474 5011 6723 713 8153 6562 4563 2117 3885 2452 442 160 306 2909 4608
5 7 3 8 1 5 8 9 5 8 5 5 7 7 5 8
7932 5129 2891 7940 8195 4967 4827 3953 3250 1649 5609 4305 6852 2577 4800 1597
5 6 7 7 7 8 5 9 5 3 9 1 5 5 3 5
1706 4243 6335 4089 2721 2139 2773 3879 2888 7352 283 4777 7470 789 3624 4658
7 3 5 5 5 5 1 2 3 1 2 9 1 3 4 5
6230 2423 2238 10 7107 2551 1235 3546 531 7635 2227 4102 4935 6825 4516 3210
8 6 3 3 3 3 2 9 9 3 5 9 8 7 5 8
6 5834 8597 1396 8129 5438 7636 7220 6159 5831 3492 5994 962 7862 5236 4008
10 8 1 4 7 8 5 3 1 3 9 5 1 6 9 3
1928 5587 1710 1803 90 8071 4805 1612 1852 4594 4866 570 2662 3440 7685 3007
8 10 1 2 1 3 7 2 3 7 2 3 8 8 8 6
2062 8545 775 6807 1398 4416 8294 7947 2831 6256 3414 4752 6332 3941 5996 7367
5 1 5 5 9 5 6 7 1 5 8 5 5 6 8 7
5719 2342 2711 6923 7493 5759 3456 4267 6354 7409 8627 7894 3977 8380 827 8160
1 5 8 2 3 8 9 5 7 3 1 5 2 7 2 5
1751 2894 4780 4702 1539 1385 5127 4310 3257 3893 4109 8131 3426 8479 3746 232
10 5 7 2 6 9 1 5 10 1 9 9 10 7 3 3
1322 3330 7592 8485 7937 6590 5488 6188 1178 3912 5619 5442 3857 282 8579 2524
8 3 5 8 4 7 5 5 7 7 3 5 9 2 1 5
191 2674 7895 6437 1264 5708 862 6275 7951 2356 2374 1753 8476 1952 5459 1951
5 7 5 7 1 1 6 4 4 9 7 5 6 10 5 9
4661 8595 8177 3067 2658 4714 3205 1056 7458 3688 5611 744 2690 5081 6664 4948
8 1 1 7 5 9 3 5 7 7 8 9 6 8 8 5
4711 1170 6492 5292 6618 1459 5243 6374 5997 877 6212 4855 5233 4357 7915 5383
2 5 5 5 1 9 8 3 5 5 8 2 3 5 7 3
5963 3073 4296 4529 4641 8123 6544 277 3902 7422 2748 3615 7131 5592 8194 6962
5 2 6 5 9 5 8 4 8 8 6 9 2 8 5 5
3739 187 5806 6649 7055 6395 6513 3794 4737 6453 1772 2819 3022 72 2601 3892
8 4 5 5 8 8 8 3 6 5 5 1 8 5 1 5
2903 8567 2474 3524 7196 5630 6239 4609 7386 4533 393 954 8050 8053 6020 7903
7 1 6 9 3 5 3 3 3 5 4 9 3 8 5 8
6765 4374 6803 2404 5448 3973 7416 1561 8480 2367 1637 5429 7161 1829 5287 4473
2 9 3 10 5 1 1 3 5 2 3 7 5 3 8 8
Within cluster sum of squares by cluster:
[1] 1158.0805 1231.9886 1148.7759 1443.7979 1053.8285 595.7097 661.0960
[8] 523.9922 1073.4386 939.3878
(between_SS / total_SS = 57.3 %)
Available components:
[1] "cluster" "centers" "totss" "withinss" "tot.withinss"
[6] "betweenss" "size" "iter" "ifault" kimout1=kim.out$withinss
kimout1- 1430.65217391307
- 1012.79014598533
- 896.168918918926
- 976.843930635832
- 1481.17015706808
- 1007.82068965517
- 1244.78048780489
- 1051.2710280374
- 831.48936170213
- 644.275862068967
kimout2=kim.out$betweenss
kimout214731.2802442102
library(fpc)
plotcluster(datascale, kim.out$cluster)library(NbClust)
nc = NbClust(datascale, min.nc=2, max.nc=7, method="kmeans")*** : The Hubert index is a graphical method of determining the number of clusters.
In the plot of Hubert index, we seek a significant knee that corresponds to a
significant increase of the value of the measure i.e the significant peak in Hubert
index second differences plot. *** : The D index is a graphical method of determining the number of clusters.
In the plot of D index, we seek a significant knee (the significant peak in Dindex
second differences plot) that corresponds to a significant increase of the value of
the measure.
*******************************************************************
* Among all indices:
* 5 proposed 2 as the best number of clusters
* 5 proposed 3 as the best number of clusters
* 9 proposed 4 as the best number of clusters
* 1 proposed 5 as the best number of clusters
* 2 proposed 6 as the best number of clusters
* 1 proposed 7 as the best number of clusters
***** Conclusion *****
* According to the majority rule, the best number of clusters is 4
******************************************************************* par(mfrow = c(1, 1))
barplot(table(nc$Best.n[1,]), main="Number of Clusters ")library(useful)
plot.kmeans(kim.out)kim.out = kmeans(datascale, 4)
plotcluster(datascale, kim.out$cluster)kim.outK-means clustering with 4 clusters of sizes 688, 943, 128, 241
Cluster means:
TENURE BALANCE_range BALANCE_FREQUENCY_range PURCHASES_range
1 11.48983 1.171512 4.815407 1.167151
2 11.51220 1.176034 4.259809 1.013786
3 11.96875 1.914062 4.960938 3.242188
4 11.55187 2.871369 4.900415 1.091286
ONEOFF_PURCHASES_range INSTALLMENTS_PURCHASES_range CASH_ADVANCE_range
1 1.097384 1.332849 1.047965
2 1.024390 1.007423 1.103924
3 2.781250 2.734375 1.093750
4 1.082988 1.103734 2.904564
PURCHASES_FREQUENCY_range ONEOFF_PURCHASES_FREQUENCY_range
1 2.832849 1.675872
2 1.246023 1.125133
3 2.929688 3.148438
4 1.514523 1.298755
PURCHASES_INSTALLMENTS_FREQUENCY_range CASH_ADVANCE_FREQUENCY_range
1 2.459302 1.120640
2 1.124072 1.323436
3 2.539062 1.179688
4 1.344398 2.991701
CASH_ADVANCE_TRX_range PURCHASES_TRX_range CREDIT_LIMIT_range PAYMENTS_range
1 1.049419 1.357558 1.728198 1.095930
2 1.134677 1.010604 1.392365 1.097561
3 1.101562 3.468750 3.054688 2.429688
4 2.643154 1.124481 2.800830 2.000000
MINIMUM_PAYMENTS_range PRC_FULL_PAYMENT_range
1 1.052326 1.777616
2 1.090138 1.172853
3 1.234375 1.843750
4 1.298755 1.058091
Clustering vector:
1284 4680 5385 4431 2283 4851 7167 5937 5174 1500 5557 1427 1878 2687 3667 5851
2 4 2 4 3 2 2 1 1 2 4 4 1 2 2 3
7298 7161 7684 5005 4108 6745 7849 3533 3011 6912 3925 193 2537 7699 3351 7553
2 4 2 4 2 4 1 1 1 2 2 2 2 1 2 1
3457 1740 7647 961 2958 5729 4690 5694 2973 519 2879 2473 2017 8471 359 5057
1 2 1 1 2 4 4 2 3 2 1 2 2 1 1 2
2046 6398 2491 2155 2768 2289 7802 2450 6120 7269 7668 2064 960 6715 4700 2287
1 1 2 1 2 4 1 2 2 1 1 1 4 2 1 1
8270 394 5147 7913 2548 7889 8603 633 7991 5104 7993 8244 2761 4177 1189 8277
2 4 2 4 1 2 2 2 4 2 2 1 2 2 2 2
6118 8308 5362 2645 6351 4445 7480 1736 7443 7352 3171 2527 8383 8498 3781 5704
2 1 1 3 4 2 4 4 2 2 2 1 2 2 4 1
8289 8472 6239 3528 1455 330 221 281 158 2593 741 4938 4094 8501 2186 676
2 2 4 1 4 2 1 2 2 2 1 4 4 2 1 4
951 5493 1483 7391 1053 2368 3333 179 4027 3324 3149 2868 8576 1 5781 5341
2 2 2 1 1 3 1 1 2 2 2 2 2 2 2 2
3193 5257 4935 7301 1770 8451 2150 4896 7982 2221 3769 5790 4249 6934 7663 7449
2 2 1 2 2 1 1 1 1 4 2 4 2 2 1 1
5845 989 7985 2229 7532 5469 289 1467 1683 4913 6301 2747 1476 8431 4584 2706
3 2 4 4 2 1 1 1 4 1 4 4 1 1 2 2
900 4152 5209 2909 5014 6376 4385 1085 4926 6337 7539 3096 6735 1071 8607 8358
2 3 2 4 1 2 1 4 3 1 4 2 2 2 1 2
4300 3924 6707 6997 5018 509 7620 4362 6819 3962 4693 6149 1445 8571 8396 6967
2 2 2 2 2 3 4 1 3 1 1 2 4 2 2 4
2329 8206 70 2714 4216 6099 7305 5607 582 7469 2530 4501 5124 6050 5265 3869
1 1 1 2 2 2 1 3 3 2 2 2 2 2 2 1
8050 5725 2324 7550 3270 4756 1607 5389 5563 513 1211 3609 3554 6033 2923 794
1 2 1 1 2 1 1 2 2 3 1 1 2 2 1 4
2759 7186 7432 2112 2511 8294 1026 6599 6092 5550 7176 2073 7851 3846 6598 6267
2 2 2 1 1 1 4 4 2 4 2 2 1 2 1 4
6268 5082 1104 5952 3599 6820 29 1811 1286 388 4405 8522 1185 6100 3542 6624
1 4 2 3 2 1 1 2 1 1 1 2 2 1 1 1
2232 1884 1273 8033 7830 1986 7614 49 4050 2162 7343 5055 8346 7755 5856 7531
4 2 2 2 1 2 1 1 2 2 2 2 2 2 1 2
6492 2369 373 5964 8440 4322 888 3757 5396 8589 1485 4476 4043 214 7705 8367
2 2 2 2 1 1 2 1 2 1 4 2 1 2 4 1
1702 4858 4834 7071 1730 1727 1561 5479 7430 1679 7900 728 1981 7854 7350 6927
2 2 1 2 2 1 1 2 2 4 1 4 1 2 1 4
4121 5484 8573 3091 4263 7451 6909 7299 7345 82 5886 4709 7892 693 222 4288
2 1 1 2 4 2 1 4 2 2 1 1 2 3 4 2
4248 4910 6615 491 6566 7884 3768 3307 2679 3982 5606 5911 2177 2047 541 6772
1 2 4 1 3 2 2 2 2 2 2 2 2 2 2 1
1066 2991 3185 1570 6793 4856 5121 7962 2049 4187 3910 7656 76 5848 8245 1342
1 1 2 1 2 2 1 2 1 2 2 2 2 2 1 3
1268 5445 3016 4122 6668 4782 1686 8094 5072 2022 6507 3530 1835 5301 5407 2891
4 2 2 1 2 1 3 1 2 1 2 1 2 1 2 2
518 2302 2253 4488 3346 3597 695 6155 199 3249 5941 3829 7387 2867 5441 6837
1 1 4 4 2 1 4 2 1 1 2 2 1 3 4 4
7084 6209 7053 5187 5787 2018 6410 2058 2681 409 912 3294 7122 4998 6246 4035
1 1 2 1 2 2 2 1 4 1 4 1 1 1 1 1
4196 4746 2602 2787 3853 5326 3026 3624 6319 1775 1504 7291 300 3435 5651 7462
2 1 1 1 3 4 2 4 2 1 1 1 2 4 4 4
7322 7576 8113 6131 7259 2995 944 7248 5962 333 8283 7845 1370 6026 1931 3618
2 2 2 4 1 4 2 2 4 2 2 1 2 2 1 2
1809 5336 4848 5495 4532 6454 6335 6974 4354 3981 567 6641 6794 805 7784 5545
4 3 1 1 2 2 2 2 2 2 2 4 2 2 4 1
2159 1671 1717 6914 1238 2563 6943 5182 4976 7634 5329 3762 4585 7411 887 3521
2 4 1 2 2 4 2 4 2 2 2 3 2 1 2 3
2103 2124 2134 5512 7110 3774 643 2701 6629 3968 7206 4672 1765 1668 5369 2007
1 2 1 1 2 1 1 1 2 2 1 3 1 2 1 1
8317 474 3308 1270 4734 8608 7290 2650 5723 182 5820 7717 2154 2603 1305 7409
2 1 1 1 1 2 1 1 4 2 1 1 3 2 1 1
6309 5932 6475 4225 3729 8029 7157 8427 7193 6703 1586 7701 7958 4872 5852 6786
2 1 2 2 1 2 2 1 2 2 2 2 2 2 1 1
4695 7735 5241 6027 5780 1644 3717 3161 6932 7484 2403 2767 7115 1629 2026 5838
2 2 1 1 3 3 4 1 1 1 2 2 1 2 3 2
1116 4268 3253 4892 6661 2432 6979 2898 6451 2922 5568 1557 363 6656 1173 7948
2 2 1 3 2 2 2 1 1 2 1 3 2 2 4 2
4408 8599 645 5271 6402 3863 2335 6103 1247 1968 7014 196 1034 5929 4865 8093
4 1 2 2 2 1 1 2 3 3 4 3 2 2 1 2
2467 7101 8437 477 1653 5507 3388 5059 5615 6990 1313 6705 5475 2857 5897 7687
4 1 3 1 1 2 2 2 2 2 1 1 1 1 1 1
7964 6387 4229 125 3340 187 3896 4826 891 3755 8595 5043 7534 1184 8125 1513
4 2 1 2 1 4 2 2 2 1 1 2 1 2 2 1
6177 8614 6317 1119 3492 8077 507 2872 279 1235 4224 2344 6712 1632 4864 2466
1 1 2 2 4 1 3 2 1 1 1 1 1 1 2 1
3614 80 964 7369 524 1280 3224 4053 7424 5784 1707 6662 889 3412 3449 6234
2 4 1 1 2 2 2 1 2 1 1 2 2 4 3 1
6539 1921 3306 8537 4994 1258 3034 7180 7321 5261 6575 3101 955 7994 1376 4927
4 2 2 2 1 3 4 1 1 1 1 2 1 2 2 2
8323 4631 1379 5956 3345 8348 1776 6968 8536 1450 7910 2564 8577 811 830 3556
1 2 2 2 2 1 1 4 2 2 1 1 2 2 1 1
2465 3126 8470 4446 3798 2830 1953 1470 1667 8313 2300 5116 4503 190 1489 8554
2 1 1 1 2 1 3 4 3 1 4 2 2 2 3 2
5553 623 4829 5684 7177 1446 7885 1969 4083 7483 7140 445 6759 709 1631 3398
4 3 2 2 2 2 2 2 2 2 2 1 2 1 3 1
2102 7541 3563 5254 2950 790 3553 7197 3523 8392 4005 27 3447 8299 5332 5811
3 2 3 1 1 1 2 2 2 3 2 1 4 2 2 2
6604 7529 2518 349 5907 3108 7013 1434 1441 244 3579 8452 7119 3403 4849 176
1 2 4 2 2 1 2 2 4 3 4 2 1 3 3 4
48 2301 3636 6479 1426 476 1326 3596 523 3957 7121 4704 669 7224 3979 851
4 2 2 2 4 4 2 3 3 2 1 2 3 1 1 2
2902 7806 2718 5633 3805 5270 6221 3063 6271 4074 1038 2132 2783 4434 552 4250
1 2 1 2 2 1 1 2 1 2 2 1 1 1 1 2
1093 1002 7295 1614 7336 764 7756 5682 5905 687 8485 4067 6388 3865 6165 2074
2 2 2 4 2 1 1 1 1 2 2 2 2 2 2 2
8172 4148 5467 1362 4721 924 1910 7628 2597 2254 7477 2260 6726 5958 5089 4272
1 2 3 4 2 2 2 2 1 1 2 1 2 4 1 1
6143 7195 3 5521 3303 5076 2934 4936 4430 7686 4960 3367 8004 1061 6187 8504
1 4 1 4 1 1 2 2 2 1 2 2 1 2 2 1
8360 1044 6525 6775 5064 6247 510 6562 6872 3338 45 7981 1963 1537 3812 7907
1 1 1 2 2 3 1 1 1 1 2 2 2 2 3 1
3682 6854 2914 4664 3515 1755 3117 1154 4159 3356 1857 1708 1680 3336 3673 7639
4 2 4 1 4 1 1 2 2 2 4 1 4 1 2 1
5401 1134 5792 2837 7752 2222 5427 6928 5831 5573 6289 1930 1022 4982 6898 130
4 2 2 2 2 1 4 2 1 2 2 1 2 2 1 2
4744 1834 5595 4649 1039 7566 5098 67 8303 2037 473 2916 2562 3545 1566 5150
1 2 4 2 2 2 4 2 2 1 1 2 2 3 2 2
731 1685 2911 1339 2554 7077 2605 3622 879 1151 499 7185 7909 5342 689 6833
3 2 2 2 1 2 2 1 1 1 3 2 2 2 1 1
5992 4438 4198 3203 7507 3099 809 7244 3223 7762 7863 6723 1505 7749 8512 4640
2 1 2 2 1 4 3 2 4 1 1 2 2 2 1 1
4066 784 8628 7867 4796 3122 2957 6002 2224 7554 8015 7002 2331 1756 3368 5465
1 2 2 2 2 2 2 2 1 2 1 2 1 4 1 2
7015 1848 7347 6899 1596 836 1337 5198 1156 5035 4197 721 3317 7117 3431 4745
1 1 1 1 2 1 2 2 2 2 2 1 2 3 2 2
843 876 6318 8039 3314 5310 7417 6258 999 8060 8051 7209 6889 154 4240 5226
4 3 1 2 4 4 1 1 2 2 1 1 3 2 3 3
4085 1600 6355 5455 2520 4093 6150 1642 6776 4902 3176 7371 2421 5203 1360 4555
3 2 2 1 2 1 2 1 2 1 1 1 2 1 4 3
4868 7500 7219 5707 4041 2688 6606 5652 6817 4866 2665 8447 5515 8401 3473 5912
2 2 2 1 1 3 2 2 2 1 4 1 1 2 2 4
5506 6282 7258 402 7983 7328 2209 1223 2318 6122 5476 411 7956 1988 3876 5771
1 1 1 2 3 3 1 2 2 1 2 2 2 2 4 1
617 1442 5769 2622 4004 8200 3240 6905 6243 2612 7466 18 5440 7103 10 656
1 1 1 4 2 2 2 1 4 2 2 1 2 3 1 4
6474 5436 3450 8462 962 7170 8041 276 492 635 857 634 4326 225 2175 4143
2 2 2 1 2 2 2 2 1 1 1 4 1 1 2 2
865 8063 5286 2998 2248 4957 6654 3952 8407 2070 8506 3456 7733 5899 3187 1666
4 1 2 4 2 2 2 1 4 1 2 3 2 1 1 1
39 4132 7904 5569 4077 6835 3491 8273 3620 860 6119 4919 2057 6003 8185 7308
4 2 2 2 1 1 2 2 1 1 2 2 1 1 2 1
1804 5324 6506 3737 4574 1634 503 6528 183 1259 820 1833 4679 1838 1023 4131
4 2 4 2 2 2 1 2 2 4 1 4 2 2 2 2
3467 4314 4811 6805 3580 4052 6361 3332 4612 21 268 1236 3764 5665 432 6152
1 1 2 2 1 2 1 2 2 3 3 1 4 1 3 2
2693 5891 5628 1918 897 2598 5917 7732 6687 5371 1863 572 6728 6807 4713 977
2 1 1 1 2 2 2 2 1 1 1 4 1 2 1 1
2691 8455 1728 217 6499 7035 5817 3631 3721 2689 1353 7937 6483 7792 8095 6406
1 2 1 2 2 2 1 1 1 2 3 4 2 4 1 3
5670 3788 3341 7833 1299 2542 1255 6065 7731 963 3584 2303 5577 7088 7568 4104
2 1 2 1 1 1 2 2 2 2 1 2 2 1 3 2
3642 7544 2536 5747 3017 5135 2399 6028 1264 3485 3419 1205 3071 6637 4266 6689
1 2 2 2 1 1 1 2 2 4 2 2 2 1 2 2
1784 2093 3593 7316 1746 3712 8418 5087 1995 5025 7090 4243 6520 7881 3850 6366
1 2 1 1 2 1 1 3 2 3 2 1 1 2 2 1
4367 1499 3894 7093 235 2443 7996 4710 3173 3801 105 8438 5020 6230 3822 4207
3 1 4 2 3 2 2 2 4 2 2 2 2 2 2 2
8211 2387 8302 3783 2845 7658 5346 6947 3005 3882 5994 5308 5443 3777 338 1089
2 2 2 1 2 1 1 2 1 4 2 4 1 4 4 2
575 6173 2960 7842 4373 1401 6124 6486 3417 839 2483 4444 8042 5138 6346 6296
1 2 2 2 2 2 3 1 3 4 2 2 2 4 2 1
7947 3125 4616 8557 7816 5757 1895 6953 7609 4990 7595 954 2833 596 7050 3052
2 2 1 1 1 1 2 2 2 2 1 4 1 4 1 2
717 8030 2535 5642 4792 7974 3138 7159 5641 2507 6795 5745 7228 1999 2340 7505
2 2 1 3 3 1 4 2 4 2 1 1 1 1 2 2
6936 3978 4959 8160 5027 4045 4463 8386 1278 2703 8568 6791 5194 4622 7100 7578
1 4 2 2 2 2 1 2 1 2 2 2 2 2 4 2
3790 4632 4966 3748 4211 3536 3243 2257 6286 6163 7810 461 8441 4714 485 874
2 1 2 1 1 2 1 2 1 1 1 2 1 4 2 4
6868 4724 5176 2621 6248 184 1622 6792 4193 7583 7359 824 3831 1193 7353 3319
2 1 1 2 1 4 4 2 2 1 2 1 2 2 2 2
2441 8464 4417 79 5860 5864 1206 6922 7826 4985 1651 387 7106 216 8213 1176
2 1 1 1 2 1 1 2 2 2 2 3 2 3 2 1
8295 1310 4850 2056 6488 6514 7085 7921 5391 7673 7285 6592 6408 6902 4038 2754
1 1 2 2 1 2 2 2 1 1 2 2 1 2 1 4
3045 5748 2781 5352 7703 1118 8123 6457 7264 8116 6272 1358 1005 6333 8611 3480
2 1 2 1 2 1 2 2 4 1 1 2 1 4 2 3
3272 3630 5927 2880 267 739 3507 8108 7456 1290 4271 1932 1013 8469 1218 4479
4 1 1 1 1 4 1 2 2 1 2 4 1 1 3 1
1229 7265 4055 383 2478 3944 5584 5803 7481 306 8457 8032 6568 3211 2326 3707
2 1 1 2 1 4 2 2 2 2 1 1 2 3 1 1
4319 8508 3881 2883 6710 3950 8268 3796 2258 4366 5717 7406 4526 2852 5218 7203
1 1 1 4 2 4 1 2 4 2 1 2 2 3 1 2
3613 2218 3074 3852 7337 8432 1737 2959 2709 4514 4662 2716 146 8000 1311 6307
2 2 1 2 1 2 3 2 2 2 2 2 1 1 2 1
7770 5773 3702 8494 8490 2215 5744 3302 2619 324 1843 3908 5186 5359 8511 2831
2 1 2 2 4 2 3 1 1 3 4 2 4 1 1 2
4669 2160 755 174 918 2578 5066 201 3379 8516 8626 7127 6378 2354 4287 4312
2 4 2 1 1 2 1 2 1 1 2 1 2 4 4 3
3325 2740 6198 3998 559 2342 688 1851 7227 4767 4273 3716 3051 5683 6430 3806
2 2 2 2 1 2 1 2 2 1 2 1 1 1 1 2
6976 5919 3539 7221 6259 2239 1802 246 3864 7361 6590 7764 902 3612 2402 3914
2 4 1 2 2 1 1 1 4 2 2 2 2 1 2 2
4619 2918 2801 1709 8292 3565 5643 3694 4801 1055 1306 4078 1109 8255 8261 2793
1 1 4 2 2 3 1 1 3 2 2 2 1 4 2 2
5291 4236 5316 6536 4636 8340 3269 5321 403 1276 6758 2262 6482 6587 8510 4456
2 2 2 1 2 1 1 4 1 1 1 2 2 2 2 2
5148 4560 1777 2824 5459 716 6549 2633 2966 5989 6146 7279 4558 7435 1068 530
1 4 2 2 2 1 1 1 2 2 2 2 3 1 1 1
621 6917 6918 694 1364 7950 6704 3986 8332 568 1077 2446 5019 1522 4034 681
2 2 2 1 1 2 1 3 2 4 4 1 1 3 2 2
8362 1332 7674 8139 283 7057 3723 74 7033 3913 5279 7092 7364 6487 2137 5106
1 3 2 2 1 1 1 1 1 2 1 2 1 4 1 2
7130 2804 7334 3912 3832 3207 6509 4780 5783 208 6640 1752 4785 6895 7746 3132
2 2 2 2 1 1 2 1 1 1 4 2 2 1 1 1
2282 5185 953 6649 6907 7356 6552 229 7616 7040 5965 1957 5412 5398 3771 5871
2 1 4 2 1 4 2 2 1 2 2 1 2 1 1 2
3697 3534 3727 2760 5878 6077 3784 754 4468 5661 1437 2757 7490 2778 2278 8209
3 2 1 1 4 2 2 1 4 4 2 1 2 4 2 1
2826 1900 7471 8174 8610 1939 4529 7187 5095 8565 3635 1208 4443 7413 4255 7495
2 2 2 1 2 2 2 2 1 1 4 2 1 1 2 2
6136 7286 4515 2658 1559 2163 2766 2182 751 241 2738 7303 1103 8364 1057 2577
4 2 4 2 4 2 2 2 2 1 1 2 2 1 1 2
7537 7573 5906 5311 884 6202 2506 1406 3652 189 2920 1699 2977 550 167 2565
2 2 4 2 1 2 2 1 2 2 4 1 2 2 2 1
8165 4689 4569 8414 274 6722 5766 6806 6516 3759 5501 6809 8219 11 571 4794
2 1 2 1 1 2 2 2 2 1 2 2 2 2 1 2
8086 99 7052 2510 1447 7769 2105 8526 3509 20 5579 778 4895 4879 4561 5693
2 1 1 1 1 2 2 2 2 2 3 1 2 2 4 1
7068 4567 6283 2712 668 4233 7834 6639 3144 6424 6702 3497 2194 6109 3903 675
1 4 3 1 3 4 2 2 3 2 4 1 1 4 2 1
3167 7164 1658 670 3230 4972 8253 5672 1595 7786 3708 4836 1873 2189 5829 3357
2 1 3 4 2 3 1 1 2 2 1 4 1 3 2 4
4660 1922 4343 6542 6724 464 4888 6595 38 6957 3014 4339 7220 7626 4897 5764
2 1 2 2 1 1 1 1 4 1 4 4 1 1 4 2
6067 7297 465 5046 5237 8588 3537 6558 7719 5306 1069 5591 8528 1599 4192 4320
1 2 3 3 2 1 1 2 1 2 2 2 2 2 4 1
496 4556 8001 6691 6051 5216 1891 6553 4988 2975 7793 1350 2987 5041 1830 7968
1 2 2 2 4 2 3 2 3 2 2 2 4 3 1 1
1297 3742 5266 3772 2798 479 301 1225 8143 3255 5259 4269 1514 7979 6653 542
2 1 2 1 2 1 1 4 2 2 2 4 2 1 2 2
2486 4181 4126 7838 6113 7319 1877 6983 6084 261 140 3215 1419 3281 1219 4303
4 1 4 1 2 2 1 2 4 2 3 2 3 2 2 2
6295 1923 8225 3892 7064 7740 7312 683 165 910 2128 2481 7567 5122 1172 6445
2 1 1 2 2 2 2 4 2 3 2 4 2 4 2 2
7547 5357 5158 7147 3814 3665 4402 2053 2842 4644 8382 3711 8087 4568 4738 6278
3 2 2 1 2 1 3 1 2 2 2 2 4 2 2 2
3329 7549 6701 5961 2670 430 2459 6369 2641 4969 3546 2487 3741 6555 1626 8239
2 1 2 2 2 1 4 2 4 1 4 2 3 1 2 4
316 2348 2504 8344 3518 5092 3970 5044 2135 381 5533 7463 968 4533 3297 2557
1 1 1 1 2 2 2 2 2 4 4 1 2 2 2 3
8218 2406 5728 3188 3402 8621 7917 2079 5453 108 6257 2695 7419 4244 1062 5446
2 2 2 1 2 1 2 1 2 3 2 1 3 1 4 1
1327 1979 7636 1618 4863 5498 4185 1155 595 4172 4290 5630 2617 8288 7034 6316
2 1 2 1 2 2 1 2 1 2 1 2 1 2 2 1
4203 4596 2745 927 1487 5604 7787 980 4491 1010 5189 1973 55 7575 2250 4628
4 2 2 1 2 2 2 3 1 2 4 1 2 2 2 2
7380 2075 8591 1021 4800 3747 7081 194 3409 6392 4399 933 6904 4317 4874 528
4 2 2 2 1 2 2 4 1 1 2 4 4 1 2 3
3689 4420 468 2748 1432 7781 7711 6693 6001 4723 5582 5390 905 7467 8543 247
1 2 1 2 1 2 1 2 2 2 2 1 1 2 1 3
2401 6110 6578 3328 1403 3945 1048 7868 1989 7428 4107 2381 8351 3007 2715 4647
2 1 1 1 1 1 2 2 4 2 2 4 2 1 2 2
5339 3147 2572 3749 8069 580 418 1328 4267 5991 1221 8531 2720 4082 4154 3455
2 4 1 2 2 2 1 2 2 2 3 1 2 1 4 1
6182 4398 5541 5195 1712 4116 907 8581 2539 7200 4624 7708 7721 6066 4138 1898
4 2 1 2 4 4 2 1 1 1 2 2 2 3 1 2
4681 5950 1675 6810 8325 4737 5223 4217 4113 3264 521 6022 1436 6670 6749 1816
2 2 1 2 2 2 1 1 3 2 4 2 1 2 2 2
Within cluster sum of squares by cluster:
[1] 5475.333 5554.554 2360.547 3550.548
(between_SS / total_SS = 33.1 %)
Available components:
[1] "cluster" "centers" "totss" "withinss" "tot.withinss"
[6] "betweenss" "size" "iter" "ifault" cluster means 기반 군집의 특성 도출
'''
TENURE 3 124
신용카드 서비스 이용내역, 높을수록 이용 많음
BALANCE_RANGE 4 3 12
통장 잔액
BALANCE_FREQUENCY_range 34 1 2
잔고 업데이트 주기
PURCHASES_range 3 1 24
신용카드 이용 횟수
ONEOFF_PURCHASES_range 3 142
1회 사용금액 max값
INSTALLMENTS_PURCHASES_range 3 1 42
분할납부금액
CASH_ADVANCE_range 4 231
현금 서비스 총 이용금액
PURCHASES_FREQUENCY_range 31 42
신용카드 사용 주기
ONEOFF_PURCHASES_FREQUENCY_range 3 1 42
일시불 이용 주기
PURCHASES_INSTALLMENTS_FREQUENCY_range 31 42
분할납부 이용 주기
CASH_ADVANCE_FREQUENCY_range 4 2 31
현금서비스 이용 주기
CASH_ADVANCE_TRX_range 4 231
현금서비스 총 이용횟수
PURCHASES_TRX_range 3 1 42
구매 트랜잭션 발생 횟수
CREDIT_LIMIT_range 3 4 12
신용한도
PAYMENTS_range 3 4 12
이용자가 지출한 금액
MINIMUM_PAYMENTS_range 43 21
이용자가 이용한 최소금액
PRC_FULL_PAYMENT_range 31 24
이용자가 지불 해야 하는 금액 중 기 지불한 금액의 퍼센트 비율
''''''
그룹 1
서비스 이용내역 낮음
통장 잔고 낮음
계좌 사용빈도 중간
신용카드 총 이용횟수 중간
한번에 큰 금액 지출하지 않음
분할납부 누적사용금액은 중간
현금서비스 이용금액 낮음
신용카드 사용빈도 높음
일시불 이용 주기 중간
분할납부 이용 주기 높음
현금서비스 이용주기 가장낮음
현금서비스 이용주기 낮은수준
구매이력 횟수 중간
신용한도 낮음
총 지출금액 낮음
결제한 최소금액 낮음
채무 상환비율 높음
그룹2
서비스 이용내역 낮음
통장 잔고 낮음
계좌 사용빈도 매우낮음
신용카드 총 이용횟수 매우낮음
한번에 큰 금액 지출하지 않음
분할납부 누적사용금액은 매우낮음
현금서비스 이용금액 낮음
신용카드 사용빈도 낮음
일시불 이용 주기 가장낮음
분할납부 이용 주기 낮음
현금서비스 이용주기 높은수준
현금서비스 이용횟수 중간수준
구매이력 횟수 매우낮음
신용한도 가장낮음
총 지출금액 가장낮음
결제한 최소금액 낮음
상환비율 낮은편
그룹3
서비스 이용내역 가장높음
통장 잔고 높은수준
계좌 사용빈도 매우높음
신용카드 총 이용횟수 가장높음
한번에 큰 금액을 지출하는 그룹
분할납부 누적사용금액은 매우높음
현금서비스 이용금액 아주낮음
신용카드 사용빈도 가장높음
일시불 이용 주기 가장높음
분할납부 이용 주기 가장높음
현금서비스 이용주기 매우낮음
현금서비스 이용횟수 매우낮음
구매이력 횟수 가장높음
신용한도 가장높음
총 지출금액 가장높음
결제한 최소금액 높음
상환비율 가장높음
그룹4
서비스 이용내역 가장낮음
통장 잔고 가장높음
계좌 사용빈도 매우높음
신용카드 총 이용횟수 가장낮음
한번에 큰 금액을 지출하지 않는 그룹
분할납부 누적사용금액은 매우낮음
현금서비스 이용금액 매우높음
신용카드 사용빈도 낮음
일시불 이용 주기 낮음
분할납부 이용 주기 낮음
현금서비스 이용주기 가장높음
현금서비스 이용횟수 가장높음
구매이력 횟수 매우낮음
신용한도 중간 수준
총 지출금액 중간 수준
결제한 최소금액 가장높음
상환비율 가장낮음
'''reports = data.frame(datascale, cluster=kim.out$cluster)library(dplyr)
library(tidyr)
for (col in 1:ncol(reports)) {
colname = colnames(reports[col])
try({
p = ggplot(reports, aes(x=reports[,col])) +
labs(x=colname) +
theme(aspect.ratio = 1) +
geom_histogram(position="identity", bins = 6, binwidth=0.4, fill="#F8766D", colour="black") +
facet_wrap(cluster~.,nc=6, scales='free_y')
print(p)
}, silent=TRUE)
myfilename = paste(c(colname),"png", sep = ".")
print(myfilename)
ggsave(myfilename, p)
}Attaching package: 'dplyr'
The following objects are masked from 'package:stats':
filter, lag
The following objects are masked from 'package:base':
intersect, setdiff, setequal, union
help(facet_wrap)kim.outK-means clustering with 6 clusters of sizes 624, 137, 126, 247, 685, 181
Cluster means:
TENURE BALANCE_range BALANCE_FREQUENCY_range PURCHASES_range
1 11.52724 1.102564 4.876603 1.161859
2 10.47445 2.240876 4.883212 1.167883
3 11.96032 2.007937 4.968254 3.484127
4 11.25911 1.000000 2.327935 1.028340
5 11.60146 1.138686 4.855474 1.020438
6 11.87293 2.983425 4.917127 1.066298
ONEOFF_PURCHASES_range INSTALLMENTS_PURCHASES_range CASH_ADVANCE_range
1 1.086538 1.326923 1.035256
2 1.138686 1.124088 2.985401
3 2.960317 2.817460 1.119048
4 1.028340 1.032389 1.056680
5 1.032117 1.004380 1.096350
6 1.033149 1.121547 1.624309
PURCHASES_FREQUENCY_range ONEOFF_PURCHASES_FREQUENCY_range
1 2.865385 1.689103
2 1.562044 1.321168
3 2.928571 3.261905
4 1.364372 1.056680
5 1.264234 1.141606
6 1.607735 1.337017
PURCHASES_INSTALLMENTS_FREQUENCY_range CASH_ADVANCE_FREQUENCY_range
1 2.503205 1.107372
2 1.350365 3.510949
3 2.500000 1.126984
4 1.287449 1.101215
5 1.137226 1.383942
6 1.397790 1.740331
CASH_ADVANCE_TRX_range PURCHASES_TRX_range CREDIT_LIMIT_range PAYMENTS_range
1 1.036859 1.370192 1.660256 1.112179
2 3.145985 1.182482 2.080292 1.854015
3 1.126984 3.571429 3.023810 2.523810
4 1.048583 1.004049 1.534413 1.222672
5 1.143066 1.014599 1.252555 1.059854
6 1.381215 1.121547 3.077348 1.392265
MINIMUM_PAYMENTS_range PRC_FULL_PAYMENT_range
1 1.062500 1.729167
2 1.160584 1.072993
3 1.285714 1.809524
4 1.000000 1.740891
5 1.129927 1.020438
6 1.513812 1.022099
Clustering vector:
1301 8522 1799 8229 1129 878 7845 5922 6526 5071 2900 7075 4650 2159 3476 1948
5 4 5 5 2 5 1 2 5 4 5 1 4 4 5 5
2580 1530 7289 4633 6519 4344 1222 2858 5400 526 1069 5522 8214 5838 5862 6337
5 5 5 5 5 5 6 3 2 3 5 5 5 5 5 1
5491 7494 1791 4939 465 7976 3863 8276 1895 3101 3990 6877 6764 1328 8479 6473
1 5 1 5 3 4 1 4 4 4 2 1 4 4 4 3
6995 858 6763 316 733 6273 4907 5051 2330 6429 3992 1706 501 6655 536 6881
1 4 1 1 5 2 2 5 6 3 5 4 4 5 3 5
7507 7514 3747 5163 29 1942 4934 1820 2281 1966 8561 4182 5603 5742 8547 5939
2 1 5 1 5 5 5 6 2 1 2 5 6 6 4 1
6956 8553 6902 2866 219 8327 532 3123 6611 2178 5936 7233 5932 4455 2153 1148
1 1 5 5 4 5 6 1 5 5 2 5 1 1 5 4
1101 1242 1218 4115 8465 418 6563 867 4499 3821 5897 818 4730 664 719 500
1 6 3 5 1 1 5 5 1 1 1 5 4 1 1 6
3045 6816 6373 8159 3598 3700 5136 785 6789 7131 8053 1572 4401 1833 2461 4225
5 2 5 5 5 5 1 5 4 1 5 5 1 2 1 4
309 7892 4078 7146 3189 470 1360 1822 1790 8066 3144 4686 5048 455 6500 7793
6 2 5 4 1 1 6 5 2 5 3 4 2 6 5 5
3306 6217 8207 4158 4486 5987 8632 5447 6809 8174 4096 6887 4084 2110 1172 797
5 3 1 4 1 1 4 1 4 1 5 5 4 4 5 2
8613 4072 5057 7452 5388 2762 1265 7812 8562 2265 2156 6415 5390 7151 5458 5729
1 2 5 5 2 1 5 2 1 3 6 1 1 5 5 2
1760 5704 5685 4664 4075 5474 7525 4212 3070 5353 7439 462 6443 4049 6657 7888
1 1 4 1 4 1 1 5 5 5 5 4 5 2 4 4
2033 731 7039 2813 3805 4771 966 6193 5591 5793 4749 2482 6885 3388 3418 2722
1 3 1 3 5 5 4 3 5 5 1 1 1 4 2 3
2884 56 7193 934 7640 8109 4590 7883 3552 5123 6803 4257 127 717 7715 7447
4 5 4 1 5 4 2 2 5 6 1 1 6 6 5 5
676 8616 5795 148 121 8361 1491 2815 1115 6308 3616 3551 6525 436 2137 8137
6 1 5 4 3 5 1 5 4 4 1 1 1 1 1 1
533 2752 5592 5191 6459 3565 570 6976 1926 5666 1813 7681 2833 7885 5694 7981
5 6 1 1 1 3 6 4 5 1 2 1 1 5 5 5
5161 7560 4063 7918 8528 724 1354 6164 3255 8457 5199 6017 2016 132 6186 5094
5 6 1 5 5 4 1 1 5 1 5 5 5 1 5 1
1659 6068 6438 2312 6321 5040 1839 3505 1838 5259 4211 6595 6990 6303 2167 2543
4 5 1 1 2 5 5 5 4 5 1 1 5 4 5 2
5914 8301 3760 6663 2587 8582 7935 393 7046 7923 4208 5147 4318 6410 4254 8431
1 5 5 1 5 1 5 6 5 5 2 5 5 5 5 1
2778 8368 7343 6103 7334 4436 6236 5772 99 7684 7983 3200 3822 8090 6989 5763
2 5 5 6 4 1 5 1 1 4 3 1 5 5 1 1
7805 1190 1459 5117 1776 116 7360 8319 3157 1749 1326 1847 1018 8635 383 771
1 4 5 1 1 1 5 5 2 5 4 1 1 5 4 1
5207 484 4599 6449 3887 2563 58 4801 2021 8421 2170 1803 1124 313 6790 822
5 1 6 5 6 2 1 3 1 4 1 3 1 4 5 5
6625 5480 5131 3382 8308 81 3328 3126 2194 5235 5663 2796 6472 2775 7174 1401
5 2 1 1 1 2 1 1 1 3 1 3 5 1 5 5
5605 7961 3360 1779 7656 4278 8253 4606 1089 1861 8552 7374 7893 8271 2992 3797
4 1 5 4 4 3 1 1 5 3 1 5 5 1 1 5
6079 1177 8209 1057 3706 6440 7123 2257 1525 6420 5809 2079 8516 7009 3037 6485
6 4 1 1 3 5 1 5 1 6 6 1 1 5 2 4
3558 4568 7842 2351 7666 3651 6266 1871 5034 5005 8060 363 2573 8345 3329 2373
1 6 4 5 5 3 5 2 6 2 5 6 1 4 5 5
702 1378 959 2273 8537 5031 8468 744 564 8472 2290 3482 5327 5287 87 4313
5 5 5 5 5 1 1 6 2 5 3 1 5 5 5 1
5633 860 5620 7817 6134 2446 628 5368 1104 1493 4062 3926 1518 4784 2811 1473
5 1 1 5 5 1 3 1 5 1 5 1 6 5 5 4
2572 4572 4364 8251 4402 8398 6152 5174 671 4933 6284 7198 2569 8538 4745 6505
5 1 2 3 3 1 5 6 5 4 5 1 1 4 5 4
2551 128 3497 7211 3350 7545 1435 7210 102 3644 5750 7255 4066 5443 3004 3457
1 3 1 5 5 1 1 5 1 5 6 1 1 1 6 1
2370 5331 2678 2973 453 2402 4585 6138 3468 8486 8146 6050 815 574 4109 7463
4 1 1 3 6 5 5 5 6 4 4 5 5 1 6 1
644 7238 8184 48 3437 7513 7120 1174 7578 7040 7720 2608 3854 5877 1529 4358
1 5 1 2 5 4 1 3 5 5 5 1 1 1 6 3
1590 7368 4693 3352 835 2280 7461 1550 4123 6733 2899 8419 1821 573 4165 7917
5 5 1 1 1 1 1 5 5 5 5 1 1 6 6 5
5107 601 1759 718 2107 4343 1019 2020 3924 543 5243 7757 8295 296 5144 5853
3 1 5 1 6 5 1 5 4 3 1 1 1 6 5 5
1930 4557 764 5566 7850 1734 8374 122 3047 498 1043 376 4562 8372 6101 2734
1 5 6 5 5 4 4 1 4 4 4 5 5 1 5 1
919 8539 1487 6109 5248 5999 8366 5661 6085 1366 4673 7025 854 525 1814 6912
5 1 4 6 1 5 5 2 6 1 1 5 4 5 1 5
2490 8603 108 4137 2145 8612 3862 6945 4221 3018 2285 4435 2056 396 2507 144
5 4 3 6 5 4 6 3 1 1 5 2 4 5 5 1
1835 3733 5254 8424 3290 252 2504 2069 3591 4963 2346 4897 5726 6277 133 8469
5 6 4 5 5 1 1 2 5 1 5 2 5 1 6 6
8289 1641 386 6652 1802 290 770 5756 7500 902 2158 4666 4297 487 7379 2053
2 1 5 1 1 6 5 2 5 5 3 1 5 3 6 1
2513 8589 5814 7660 3254 5209 1421 908 3363 1800 3714 4286 247 2362 457 991
5 1 5 1 1 5 5 5 6 5 5 5 3 1 5 5
6320 3130 4222 583 8240 4279 647 4007 2732 492 3807 7354 3586 1620 7348 3129
5 2 1 4 4 5 5 5 1 1 4 1 3 1 5 5
7603 5435 553 1780 1864 8617 1443 5238 7445 7200 1787 2037 4030 3408 1031 8467
1 4 3 1 1 1 1 5 2 1 6 1 4 6 2 1
4330 3027 2298 2531 3417 8224 8129 1587 8422 1651 3402 6818 5776 5195 6067 7512
1 5 3 6 3 1 4 6 5 4 6 5 6 5 1 5
6787 1630 6422 672 5527 2136 8186 5148 4488 151 5133 1524 4085 786 3946 827
1 1 3 3 6 4 4 1 2 5 4 6 3 5 5 5
4418 8451 3635 4876 1418 2616 6444 2684 633 6167 4678 776 2839 3213 7947 7419
5 1 2 1 4 1 5 1 5 6 1 5 6 5 4 3
1131 4333 1890 3976 8211 1203 5334 5271 4404 7555 6404 2997 7637 7628 3835 3160
4 5 5 6 4 1 1 5 5 5 2 5 5 5 4 2
8227 6398 5319 8515 4630 3384 186 7286 4407 2019 2400 4485 6708 2548 8162 1967
4 1 2 5 5 1 4 5 1 1 5 4 5 6 4 2
7991 8362 347 4490 6557 589 5305 6583 2161 5630 4210 8525 1216 2395 231 1774
2 1 5 5 1 5 5 2 5 5 5 5 1 5 1 5
8070 1792 5053 1584 129 2424 3145 5757 3939 5643 2792 314 4324 689 823 1866
1 5 5 2 6 4 5 1 3 1 5 3 6 1 5 5
8386 3773 407 2524 5024 8426 280 3579 6476 7034 1210 517 4255 3793 3590 7598
4 1 1 5 5 5 1 6 2 5 2 2 4 3 5 3
669 851 8571 3547 3393 2625 3465 5702 3520 7987 6314 7652 8232 793 703 324
3 5 5 5 3 5 2 1 1 5 4 5 1 2 2 3
3529 7241 235 3641 1575 3390 6948 2106 787 1591 1373 1592 2320 5251 6569 5988
1 1 3 5 5 5 6 6 1 1 6 6 5 1 5 1
660 5006 1038 6574 4065 8058 3969 64 2924 4579 2131 920 8046 626 4503 306
5 5 5 4 1 4 5 1 1 1 1 6 4 6 5 4
6850 5607 5502 4884 4558 2680 4848 2506 6293 375 5920 284 6940 1863 2308 7257
1 3 4 1 3 5 1 5 1 4 1 5 5 1 1 5
1950 3237 416 3210 2605 4759 7433 6008 1313 4973 3127 1355 1108 6996 4023 8455
4 4 6 1 4 5 1 2 1 1 5 1 1 5 5 5
8011 2223 3085 7173 2111 7907 8580 8202 4206 3729 6849 1198 4400 5512 384 6776
1 1 5 1 1 1 1 4 1 1 5 6 1 1 1 5
5330 8558 4270 5846 8513 5943 7782 452 6222 8111 1611 5165 6544 153 3451 1700
5 1 5 4 5 5 1 6 6 1 1 4 1 3 1 5
3781 479 4844 6171 1922 352 6190 7511 1492 6598 197 5843 4083 3298 369 2389
6 1 2 6 1 3 5 5 3 1 1 5 5 1 1 3
5863 1876 4186 4064 5671 2664 7781 779 5589 635 4365 3647 1812 249 2038 8425
5 6 1 1 3 2 5 5 5 1 3 5 3 4 4 1
7239 101 3665 520 5670 8408 7945 5016 8414 3415 3914 7435 650 4110 4779 6096
1 6 1 2 4 1 6 5 1 5 5 4 3 1 5 3
4014 5531 617 6145 4676 2599 5881 1846 7191 4223 3327 3680 7568 4392 1428 7300
1 4 1 2 1 5 1 1 6 5 5 5 3 3 1 5
7031 4105 4729 4944 5361 1247 3338 2465 5864 2577 909 7763 5337 4754 1600 3033
1 6 4 5 4 3 1 5 1 5 1 1 3 3 5 1
4600 586 2622 4253 6025 812 2480 5956 1562 1653 4582 338 5667 2737 5845 2492
2 3 6 1 5 1 1 5 1 1 1 6 2 6 3 5
6512 206 5470 3137 5847 442 5687 5879 4777 4842 2267 6919 590 4640 8297 7310
1 5 1 4 1 5 5 2 6 4 5 1 3 5 1 6
1372 8322 6775 6063 6081 817 2823 2045 220 2904 7095 7030 6517 6558 5413 4952
3 1 4 5 3 3 5 5 1 1 1 1 1 5 5 2
6584 8187 5672 5227 2214 7717 4637 1647 552 3663 6581 522 611 217 7862 8449
6 1 1 1 5 1 1 1 1 4 5 5 5 5 1 4
4819 2493 3063 6712 6554 2152 2512 6239 7309 7529 3631 6515 6531 6603 271 6467
5 6 5 1 4 3 2 6 5 5 6 1 5 6 1 3
1299 2871 4900 6799 7970 4171 7304 5957 4893 1949 4733 5281 7165 27 561 5910
1 5 5 5 4 5 5 1 1 3 5 5 5 1 5 5
6448 5921 2672 2724 4578 4385 2937 4240 2464 4292 1747 3766 1017 7228 7261 8508
5 5 4 6 1 1 3 3 2 2 5 3 2 1 5 1
7766 251 5061 888 3115 7755 2693 5912 3531 8043 1598 213 3564 8624 5575 4997
1 1 5 4 1 5 5 2 5 5 4 4 1 1 5 5
5934 8576 1088 4721 2761 1161 859 3572 1071 6348 15 503 3927 2095 2541 6628
5 4 4 4 5 1 3 6 4 5 6 1 1 5 1 6
5466 2439 5857 2864 979 3152 7737 4151 2284 7690 610 8264 490 6226 2116 656
4 3 5 6 5 3 5 6 6 5 2 5 6 1 1 2
4775 2022 4327 3702 6693 5135 7498 5176 1252 2826 6572 8607 3188 8339 5167 2391
4 1 6 4 5 1 5 1 1 4 5 2 1 4 6 3
8154 7910 413 203 7723 7362 6660 5226 1546 1037 2469 6722 139 1259 5189 1436
4 1 4 1 1 1 5 3 3 6 6 5 5 6 2 1
7676 4901 6387 4103 8370 4895 4814 8628 1654 427 863 7839 3199 4362 1716 8136
1 1 4 5 1 5 2 5 4 1 1 1 1 1 1 1
582 576 1817 3114 5159 6349 225 2956 3060 6247 5578 185 2841 2426 4609 5770
3 5 6 5 5 2 1 4 3 3 6 6 1 5 1 1
5797 7712 245 5937 8249 3679 2888 3842 6727 4711 2928 450 7765 665 5086 1670
6 5 6 1 5 5 1 4 5 1 5 5 6 5 5 1
5692 7382 614 3313 1090 7553 5253 1249 3715 1798 4836 6357 4589 6100 4596 2403
4 5 3 1 1 1 5 1 1 1 2 1 5 1 5 5
39 3833 7008 1552 3176 7353 721 6560 5761 7647 1961 1432 5579 8026 2955 6987
4 1 2 6 1 5 1 5 5 1 5 1 3 5 5 5
4910 5473 4460 4896 6883 5954 5767 6810 1044 6417 2843 8330 327 4039 3800 1311
5 5 5 1 5 6 1 4 1 6 6 5 5 1 2 5
3330 6750 837 1205 8391 7771 1768 4038 6903 5049 2296 6834 7285 435 5871 1693
1 4 6 4 5 1 4 1 6 3 1 4 4 5 4 1
6681 3316 6160 1852 838 3212 8226 4474 4703 5396 4649 7896 3977 3878 5699 5654
6 1 2 1 4 5 1 1 4 5 5 5 1 5 5 4
556 3322 3003 4346 7789 2435 945 2772 6490 4826 1279 5908 749 8001 224 7792
5 2 1 5 6 6 4 6 5 4 1 1 5 5 5 2
4220 3448 7503 8131 3268 8258 4904 6804 7791 4360 2765 2240 4588 7659 3721 534
1 5 4 6 2 1 5 1 1 1 5 6 4 3 1 5
3022 2423 6265 7207 8356 1526 7709 5749 401 7373 3279 4780 7104 3929 34 7450
5 1 5 5 5 5 4 1 6 1 3 4 3 1 6 5
3728 8311 6093 2046 3288 6644 2751 877 2374 7882 3984 1302 3755 4178 571 4866
5 1 1 1 6 5 5 5 4 2 5 6 1 3 1 1
5156 855 4926 3580 5564 4688 5727 7543 7546 5418 1882 2206 68 4618 4924 7854
5 5 1 1 4 1 5 5 1 5 4 1 5 6 5 5
5184 5787 173 391 2350 505 4475 3983 2289 3444 3553 935 6054 1316 5240 6910
2 5 1 5 6 2 2 5 2 2 5 1 5 5 5 4
7824 8256 3936 5157 2878 2408 2438 90 6705 2836 1623 1514 4473 2600 6795 2499
2 1 5 1 5 5 1 5 1 5 1 6 5 1 1 5
1689 5101 3510 7523 1954 3387 4142 8615 1511 773 3524 3375 3650 5401 6879 7143
6 6 4 5 4 2 1 4 1 5 6 5 4 6 5 1
5640 8056 40 41 5291 4239 8459 113 3890 4651 7495 6744 2255 3158 6262 8030
5 1 5 5 5 5 1 5 1 5 5 4 3 5 2 5
2690 8354 7004 5735 8027 4527 794 6043 4111 4387 5394 7626 4612 7852 6376 3159
4 2 1 5 5 1 2 4 1 5 5 1 4 6 4 3
6196 2705 6480 1830 1359 6963 1581 5958 5007 7980 4778 2579 667 3435 6906 4811
1 5 5 1 2 5 1 6 4 1 5 6 5 2 4 4
4611 798 2511 3652 5260 1778 2889 5971 8307 738 2522 6825 5690 2002 4298 7592
5 1 1 5 5 1 1 1 5 6 6 4 2 5 1 5
7867 2756 6896 5935 8048 759 1560 6211 6251 8597 4987 1258 8452 4107 6238 5892
4 1 1 4 4 2 1 5 4 4 5 3 2 4 5 5
5948 2228 2617 3920 699 3277 340 2169 7397 3792 3426 4990 4996 3670 8595 3814
4 1 1 5 6 1 6 2 1 5 3 5 4 1 1 6
2560 6384 3413 5650 6394 2235 3993 1698 1376 7965 3845 4018 2565 3956 4953 1098
5 1 1 3 2 6 3 1 5 5 2 4 1 6 4 1
2166 5794 7973 2041 2934 2538 4053 7341 7377 814 4724 1000 3682 5340 5728 6335
5 1 1 1 5 4 1 1 5 6 1 5 2 5 5 5
6035 8527 5869 2539 8504 2018 6185 619 5192 1144 2182 1636 1243 2282 2185 5420
1 5 5 1 1 5 4 3 5 5 4 4 6 5 5 5
5959 4258 7915 7524 2663 5317 6461 4969 6762 8353 6592 5387 5307 2877 8175 3561
5 5 4 4 1 3 4 1 1 1 5 1 5 6 2 1
7276 2129 2520 5624 4149 6622 7533 1965 5674 4522 1742 1827 310 8010 616 1261
1 1 5 5 3 4 5 4 5 5 6 1 5 1 3 1
1092 8321 1411 4086 6060 2211 4119 7311 547 5741 8075 756 7434 8267 1818 4925
5 5 5 5 1 5 1 1 3 5 5 6 5 4 1 5
1782 7745 5256 1163 6968 7069 8263 1558 5993 6264 4547 240 1619 7036 4390 7350
5 1 1 5 2 5 1 1 5 5 5 1 1 4 3 1
4773 6958 2112 3309 2300 7650 4168 6924 5428 6077 5468 1929 6128 649 2602 406
4 5 1 1 2 5 2 1 5 6 4 1 5 1 1 5
8153 5391 965 5265 5781 54 2964 5887 777 4634 2272 5456 6343 3257 7274 5594
5 1 5 4 6 6 5 5 5 5 4 5 1 3 3 1
7410 5245 6586 7944 2595 3266 1214 830 7953 569 2604 6294 441 1983 7 6259
5 3 1 5 5 1 1 1 4 1 1 1 3 6 1 4
7986 2222 4162 2820 4188 8450 229 5316 2930 7672 6156 51 5299 2359 5581 2562
1 1 5 6 1 1 4 4 5 5 5 5 5 3 5 5
2301 3103 6934 1869 1740 1362 8178 4889 864 5324 2409 4983 7679 1951 3802 2124
5 4 4 4 5 6 1 1 5 5 1 1 1 6 1 4
6430 7686 2766 4340 2379 3838 1996 6488 4469 464 7378 1998 1209 2030 335 5788
1 1 5 5 6 4 1 1 4 1 1 2 4 5 5 5
8084 8475 4738 1919 7748 1106 1762 4150 3818 5836 2744 3051 3333 1025 44 6623
1 5 5 5 5 5 1 1 4 1 4 1 1 6 1 1
6275 1786 1935 7068 2380 6571 5257 4698 6791 2044 3804 5519 6998 704 3989 7420
2 4 1 1 6 4 5 5 5 5 3 5 1 5 1 1
3235 8614 5318 7535 3427 2509 4555 4564 5138 7802 7895 332 1936 2051 7751 6361
2 1 4 4 1 1 3 1 6 1 5 2 6 5 5 1
2840 2287 7176 1439 3879 8530 6098 1191 7942 5686 7539 1865 1010 882 853 2356
1 1 5 4 1 1 5 5 1 5 2 5 4 4 1 6
259 6973 5765 5186 4804 3324 1702 697 7497 3915 3447 6408 7796 2076 2837 1154
5 5 1 6 2 5 5 4 4 5 2 1 1 6 5 5
1748 7464 692 4451 7102 7490 7606 4894 1035 5221 2887 3661 1899 5035 5093 4315
1 1 5 6 5 4 4 1 1 2 5 1 5 5 5 5
3731 1448 1457 5003 3343 1597 3058 686 1989 6867 2789 3326 3442 5608 2922 7179
1 6 1 6 2 5 5 3 2 1 1 3 2 1 5 1
6985 8586 5020 221 1746 3245 8118 7661 6296 8083 558 3143 1221 3588 6895 2962
5 1 5 1 4 5 1 2 1 1 4 5 3 2 1 5
3600 949 7815 8436 3100 3318 3945 8577 682 7391 3229 5807 1806 3039 4713 3367
2 1 1 2 5 5 1 4 5 1 1 2 1 1 4 5
2449 5268 5949 2039 2716 2003 4200 6468 1583 2935 7756 4632 6757 4807 6537 3150
2 1 1 3 5 6 2 1 5 5 1 1 1 3 1 6
2012 1213 8512 6807 3765 1855 5149 460 6207 1330 5562 6369 3416 8223 3379 8358
1 5 1 5 5 5 5 5 5 4 5 2 5 4 1 5
1453 7713 3198 7544 6965 3625 4635 6616 4717 1610 5889 1236 463 4662 5272 677
1 4 5 5 1 5 1 5 5 2 4 1 1 5 5 5
8096 2096 1438 983 4700 2788 7189 1603 325 5301 263 3768 3953 1386 273 6888
5 5 5 5 6 6 4 6 1 1 1 5 6 3 5 1
2382 4419 1752 5377 1857 7554 6907 3618 2186 3434 3032 7818 4304 6760 467 4112
1 5 5 5 6 5 4 5 1 1 6 5 6 4 1 1
36 990 7181 7848 3089 6058 1984 130 560 5963 2028 5653 2857 3815 1828 4359
2 1 5 4 5 5 4 5 1 5 6 6 1 5 5 2
1570 5841 215 3484 6281 1079 6514 2645 7096 2378 7335 7369 2306 7876 6313 7093
1 5 4 4 5 4 5 3 5 2 1 1 1 1 5 5
Within cluster sum of squares by cluster:
[1] 4530.712 2287.168 2472.460 1707.919 2464.750 1480.530
(between_SS / total_SS = 40.3 %)
Available components:
[1] "cluster" "centers" "totss" "withinss" "tot.withinss"
[6] "betweenss" "size" "iter" "ifault" Data Dictionary
CUST_ID : Identification of Credit Card holder (Categorical)
BALANCE : Balance amount left in their account to make purchases
BALANCE_FREQUENCY : How frequently the Balance is updated, score between 0 and 1
(1 = frequently updated, 0 = not frequently updated)
PURCHASES : Amount of purchases made from account
ONEOFF_PURCHASES : Maximum purchase amount done in one-go
INSTALLMENTS_PURCHASES : Amount of purchase done in installment
CASH_ADVANCE : Cash in advance given by the user
PURCHASES_FREQUENCY : How frequently the Purchases are being made, score between 0 and 1
(1 = frequently purchased, 0 = not frequently purchased)
ONEOFFPURCHASESFREQUENCY : How frequently Purchases are happening in one-go
(1 = frequently purchased, 0 = not frequently purchased)
PURCHASESINSTALLMENTSFREQUENCY : How frequently purchases in installments are being done
(1 = frequently done, 0 = not frequently done)
CASHADVANCEFREQUENCY : How frequently the cash in advance being paid
CASHADVANCETRX : Number of Transactions made with "Cash in Advanced"
PURCHASES_TRX : Number of purchase transactions made
CREDIT_LIMIT : Limit of Credit Card for user
PAYMENTS : Amount of Payment done by user
MINIMUM_PAYMENTS : Minimum amount of payments made by user
PRCFULLPAYMENT : Percent of full payment paid by user
TENURE : Tenure of credit card service for user
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