رضا رادفر - Associate Prof., Faculty of Management and Economics, Science and Research Branch Islamic Azad University, Tehran, Iran
نوید نظافتی - Assistant Prof., Faculty of Management and Accounting, Shahid Beheshti University, Tehran, Iran
سعید یوسفی اصلی - MSc. in Information Technology Management, Azad University, E Campus, Tehran, Iran.

Classifying customers using data mining algorithms, enables banks to keep old customers loyality while attracting new ones. Using decision tree as a data mining technique, we can optimize customer classification provided that the appropriate decision tree is selected. In this article we have presented an appropriate model to classify customers who use internet banking service. The model is developed based on CRISP-DM standard and we have used real data of Sina bank’s Internet bank. In compare to other decision trees, ours is based on both optimization and accuracy factors that recognizes new potential internet banking customers using a three level classification, which is low/medium and high. This is a practical, documentary-based research. Mining customer rules enables managers to make policies based on found out patterns in order to have a better perception of what customers really desire.

Data Mining, Decision Tree, Classification, E-Banking