摘要：The financial sector in any country deals with large amounts of data on customers.This data is collected for use in the improvement of their services. Thedetection of tendencies and patterns of customer behavior reflected in the datais very important in respect for marketing, profit maximization and customervalue management.In particular a better understanding of consumer habits with respect to ATMwithdrawals is crucial for the logistic management of this type of service and mayassist in other studies on the topic. One of the most important tasks in the explorationof such data is to use it to manage risk by means of econometric modelswhich are used for forecasts of the future behavior of customers.
