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Comparative Analysis of Machine Learning Models for Customer Churn Prediction in the U.S. Banking and Financial Services: Economic Impact and Industry-Specific Insights

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Journal of Data Analysis and Information Processing 2024年第3期12卷 388-418页

作者： Omoshola S. Owolabi Prince C. Uche Nathaniel T. Adeniken Oghenekome Efijemue samuel Attakorah Oluwabukola G. Emi-Johnson Emmanuel Hinneh Department of Data Science Carolina University Winston-Salem NC USA Department of Computer Science Austin Peay State University Clarkesville TN USA Department of Statistical Sciences Wake Forest University Winston-Salem NC USA

Customer churn poses a significant challenge for the banking and finance industry in the United States, directly affecting profitability and market share. This study conducts a comprehensive comparative analysis of machine learning models for customer churn prediction, focusing on the U.S. context. The research evaluates the performance of logistic regression, random forest, and neural networks using industry-specific datasets, considering the economic impact and practical implications of the findings. The exploratory data analysis reveals unique patterns and trends in the U.S. banking and finance industry, such as the age distribution of customers and the prevalence of dormant accounts. The study incorporates macroeconomic factors to capture the potential influence of external conditions on customer churn behavior. The findings highlight the importance of leveraging advanced machine learning techniques and comprehensive customer data to develop effective churn prevention strategies in the U.S. context. By accurately predicting customer churn, financial institutions can proactively identify at-risk customers, implement targeted retention strategies, and optimize resource allocation. The study discusses the limitations and potential future improvements, serving as a roadmap for researchers and practitioners to further advance the field of customer churn prediction in the evolving landscape of the U.S. banking and finance industry.

关键词： Churn Prediction Machine Learning Economic Impact Industry-Specific Insights Logistic Regression Random Forest Neural Networks

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LIVRES

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中国与非洲（法文版） 2024年第3期16卷 64-64页

作者： samuel OYEWOLE 不详

INSTANTANE DES LIVRES MARQUANTS SUR LAFRIQUE Utilitarianism in Outer Space par samuel OYEWOLE Springer Springer e livre propose une analyse approfondie des politiques et strategies spatiales au Nigeria et en Afrique du Sud,éclairant leurs ambitions de deéveloppement et de sé*** enrichit non seulement la perspective africaine globale,mais aussi la comprehension internationale du domaine spatial dans les pays du *** des nations en développement telles que le Nigeria et I'Afrique du Sud.

关键词： des ism VRE

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Utilitarianism in Outer Space

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ChinAfrica 2024年第3期16卷 64-64页

作者： samuel OYEWOLE 不详

This book delves into the experiences of Nigeria and South Africa regarding space politics,policy and strategy shedding light on their development and security *** contributes not only to the broader African perspective but also to the Global South’s understanding of the *** developing countries like Nigeria and South Africa,space policy is motivated by utilitarian promises that space and the attendant technologies have the potential to advance development and security interests of the affected nations.

关键词： policy Africa security

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Epidemiological and Anatomo Path Ological Aspects of Stomach Cancers at the Koutiala District Hospital

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Surgical Science 2024年第7期15卷 444-450页

作者： Mahamadou Coulibaly Souleymane Sanogo samuel Kletigui Dembélé Moussa Diassana Brehima Ballo Cheick Aka Waigalo Bréhima Bengaly Birama Togola Drissa Traoré Nouhoum Ongoiba Faculty of Medicine University of Science Technique and Technologies of Bamako Bamako Mali Department of Surgery Koutiala Hospital Bamako Mali Department of Surgery University Hospital Center Point G Bamako Mali Department of Surgery Tominian Hospital Tominian Mali Department of Surgery Sikasso Hospital Sikasso Mali

Aim: This paper aims to evaluate the epidemiological and pathological aspects of stomach cancer at Koutiala District Hospital. Methods: This was a retrospective study carried out in the General Surgery Department of the Koutiala District Hospital Health Centre. The records of patients admitted for stomach cancer in the period from August 1, 2017 to December 31, 2022 were collected. Patients who underwent surgery for stomach cancer were included in the study. Patients who had not undergone surgery were excluded. Results: We collected records from 40 patients operated on for stomach cancer. The median age was 58.4 years ± 5.7. Men were in the majority with 72.5% The sex ratio was 2.6. The incidence rate of stomach cancer in the general population in the circle was 4.9 cases per 100,000 population. Patients had a history of gastric ulcer in 90%, Helicobacter pylori infection in 47.5% and a notion of excessive salt consumption in 47.5%. The median duration of disease progression was 5 years ± 2.3. The seat was antro-pyloric in 77.5%. The cancer was ulcerative budding in 23 patients. Adenocarcinoma was the histological type in all patients. The cancer was classified as stage III in 30 cases and stage IV in 10 cases. Palliative surgical treatment was the most performed (47.5%). Postoperative morbidity was 15% and mortality was 42.5% at one year. Conclusion: Stomach cancer is common in the ward. Most patients consult at the stage of metastasis. Palliative surgery remains the most practical. Postoperative morbidity and mortality is very high.

关键词： Epidemiology Stomach Cancer Koutiala

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Need for operational simplicity and timely disbursal of benefits—a qualitative exploration of the implementation of a direct benefit transfer scheme for persons with tuberculosis in India

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贫困所致传染病(英文) 2024年第3期13卷 58-72页

作者： Mohan Malu Thangaraj Jeromie W. V. Pandey Sumit Priya G. Sri Lakshmi Arunachalam Sivavallinathan Sharma Rahul Shewade Hemant Deepak Aishwarya B. Afeeq K. Khatoon Afsana Gokulvijay B. Sireesha Gude Chandra Kavita Nandhakumar S. samuel Prince Viswanathan C. Nanditha Shanmugasundaram Devika Rao Raghuram Murhekar Manoj V. Jeyashree Kathiresan Indian Council of Medical Research-National Institute of Epidemiology R-127 TNHB Ayapakkam Chennai Tamil Nadu India TB Support Network WHO Country Office for India New Delhi India Central Tuberculosis Division Government of India New Delhi India

Background Ni-kshay Poshan Yojana (NPY) is a direct benefit transfer scheme of the Government of India introduced in 2018 to support the additional nutritional requirements of persons with TB (PwTB). Our recent nationwide evaluation of implementation and utilization of NPY using programmatic data of PwTB from nine randomly selected Indian states, reported a 70% coverage and high median delay in benefit credit. We undertook a qualitative study between January and July 2023, to understand the detailed implementation process of NPY and explore the enablers and barriers to effective implementation and utilization of the NPY *** We followed a grounded theory approach to inductively develop theoretical explanations for social phenomena through data generated from multiple sources. We conducted 36 in-depth interviews of national, district and field-level staff of the National Tuberculosis Elimination Programme (NTEP) and NPY beneficiaries from 30 districts across nine states of India, selected using theoretical sampling. An analytical framework developed through inductive coding of a set of six interviews, guided the coding of the subsequent interviews. Categories and themes emerged through constant comparison and the data collection continued until theoretical *** Stakeholders perceived NPY as a beneficial initiative. Strong political commitment from the state administration, mainstreaming of NTEP work with the district public healthcare delivery system, availability of good geographic and internet connectivity and state-specific grievance redressal mechanisms and innovations were identified as enablers of implementation. However, the complex, multi-level benefit approval process, difficulties in accessing banking services, perceived inadequacy of benefits and overworked human resources in the NTEP were identified as barriers to implementation and *** The optimal utilization of NPY is enabled by strong political commitment and

关键词： National Tuberculosis Elimination Programme Nutritional status Direct benefit transfer Ni-kshay Poshan Yojana Implementation Cash transfer scheme Grounded theory India

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Petrographic and Structural Studies of the Guintéguéla Formations (Northwest of Côte d’Ivoire)

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Open Journal of Geology 2024年第1期14卷 29-49页

作者： Mohamed samuel Moriah Conte N’guessan Nestor Houssou Oumar Barou Kaba Mohamed Lamine Timite Abdoulaye Kadiatou Diallo Aly Soumah Mohamed Camara Mohamed Fofana Djibril M’Mamy Camara Applied Research Laboratory Fundamental Geology and Prospecting Research Unit Emergent Centre Mines and Society Higher Institute of Mines and Geology of Boké Boké Republic of Guinea Laboratory of Geology and Energy Resources (LGRME) UFR of Earth Sciences and Mineral Resources University Felix Houphouet Boigny Abidjan Republic of Ivory Coast Applicated Research Laboratory Mining and Resource Development Research Unit Emergent Centre for Mines and Society Higher Institute of Mines and Geology of Boké Boké Republic of Guinea

Côte d’Ivoire is currently experiencing strong growth in the mining sector. Identifying the formations present in our subsoil is therefore essential for mining recovery. It is in this context that we conducted studies on the formations present in the locality of Guintéguéla. It is located in the northwest of Côte d’Ivoire in the bafing region. The aim of this work was to determine the petrographic and structural characteristics of the formations of the area. The methodology began with documentation and then followed petrography and structural analysis work on the macroscopic and microscopic levels. We observed six groups of rocks: granitoids, amphibolites, orthogneiss, quartzites (poor and rich in magnetites), volcano-sediments and filonian rocks. Metamorphism is of amphibolite to granulite facies. However, volcano-sediments must be associated with the green schist facies. With regard to the structural, structures and microstructures such as foliation;fractures;sigmoidal figures reveal that the studied area was affected by ductile and also brittle tectonics whose main directions are oriented along the shear corridor, so N-S to NNW-SSE.

关键词： Mining Petrography Structural Metamorphism

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Sulfurized-polyacrylonitrile in lithium-sulfur batteries:Interactions between undercoordinated carbons and polymer structure under low lithiation

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Journal of Energy Chemistry 2022年第3期31卷 587-596,I0016页

作者： samuel Bertolini Timo Jacob Institute of Electrochemistry Ulm UniversityAlbert-Einstein-Allee 4789081 UlmGermany Helmholtz-Institute Ulm(HIU) Electrochemical Energy StorageHelmholtzstr.1189081 UlmGermany Karlsruhe Institute of Technology(KIT) P.O.Box 364076021 KarlsruheGermany

Lithium-sulfur battery(LSB)represents an important candidate to be used in energy storage applications,due to its high specific ***-polyacrylonitrile(SPAN)is a candidate as a host material in LSB to replace graphite,due to its ability to chemisorb polysulfides(PSs).The sulfur chains attached to the polymer can reversibly form Li2S,and SPAN indicates to have a good cyclability and better performance than graphite,thus,SPAN acts partially as an active and also as a host *** this study,we investigated the capacity of the solvent or the SPAN to lose a hydrogen atom from the backbone,to predict possible anodic reactions between solvent and host *** simulation suggests that the photophilic salts may preferentially react with the solvent,and possibly building a cathode electrolyte interphase(CEI).We observed that an undercoordinated carbon(C_(uc))can be thermodynamically created,due to *** Cuccan react with the solvent on the polymer backbone through different mechanisms,however,the simulations indicated that the reaction should be affected by the interaction between the solvent and C_(uc),according to SPAN’s ***,C_(uc)reacts with long sulfur chains attached to SPAN,capturing sulfur and forming a C-S bond.A sulfur chain from one SPAN can connect to another polymer backbone,however,this process is affected by lithiation and ***,this work also investigates the formation of interconnected SPAN structures and the multiple C_(uc)effects.

关键词： Density functional theory Ab initio molecular dynamics Lithium-sulfur batteries Sulfurized-polyacrylonitrile

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Flow, thermal criticality and transition of a reactive third-grade fluid in a pipe with Reynolds' model viscosity

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Journal of Hydrodynamics 2016年第1期28卷 84-94页

作者： samuel S.OKOYA Department of Mathematics Obafemi Awolowo University

Neglecting the consumption of the material, a steady incompressible flow of an exothermic reacting third-grade fluid with viscous heating in a circular cylindrical pipe is numerically studied for both cases of constant viscosity and Reynolds＇ viscosity model. The coupled ordinary differential equations governing the flow in cylindrical coordinates, are transformed into dimensionless forms using appropriate transformations, and then solved numerically. Solutions using Maple are presented in tabular form and given in terms of dimensionless central fluid velocity and temperature, skin friction and heat transfer rate for three parametric values in the Reynolds＇ case. The numerical results for the velocity and temperature fields are also presented through graphs. Bifurcations are discussed using shooting method. Comparisons are also made between the present results and those of previous work, and thus verify the validity of the provided numerical solutions. Important properties of thermal criticality are provided for variable viscosity parameter and reaction order. Further numerical results are presented in the form of tables and graphs for transition of physical parameters, while varying certain flow and fluid material parameters. Also, the flow behaviour of the reactive fluid of third-grade is compared with those of the Newtonian reactive fluid.

关键词： non-Newtonian fluids third-grade fluid thermal transition heat generation temperature dependent viscosity numerical solutions

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Research trend of cascade heat pumps

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Science China(Technological Sciences) 2017年第11期60卷 1597-1615页

作者： BOAHEN samuel CHOI JongMin Graduate School of Mechanical Engineering Hanbat National UniversityDaejeon 34158Korea Department of Mechanical Engineering Hanbat National UniversityDaejeon 34158Korea

Most commercial and industrial facilities require very low temperatures for refrigeration and high temperatures for space heating and hot water purposes. Single stage heat pumps have not been able to meet these temperature demands and have been characterized by low capacities and coefficient of performance(COP). Cascade heat pump has been developed to overcome the weaknesses of single stage heat pumps. This study reviews recent works done by researchers on cascade heat pumps for refrigeration, heating and hot water generation. Selection of suitable refrigerants to meet the pressure and temperature demands of each stage of the cascade heat pump has been discussed. Optimization of design parameters such as intermediate temperature(low stage condensing and high stage evaporating temperatures), and temperature difference in the cascade heat exchanger for optimum performance of the cascade heat pump has been reviewed. It was found that optimising each design parameter of the cascade heat pump is necessary for maximum system performance and this may improve the exergetic efficiency, especially of cascade refrigeration systems, by about 30.88%. Cascade heat pumps have wider range of application especially for artificial snow production, in the supermarkets,for natural gas liquefaction, in drying clothes and food and as heat recovery system. The performance of cascade heat pumps can be improved by 19% when coupled with other renewable energy sources for various real time applications. Also, there is the need for much research on refrigerant charge amount of cascade heat pumps, refrigerant-refrigerant heat exchangers to be used as cascade heat exchanger, cascade heat pumps for simultaneous cooling, heating and hot water generation and on the use of variable speed compressors and their control strategies in matching system capacity especially at part load conditions.

关键词： cascade heat pump low stage high stage optimization system performance refrigerant

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Impulse force reductions and their effects on WBV exposures in high impact shovel loading operations

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International Journal of Mining Science and Technology 2018年第3期28卷 423-435页

作者： Danish Ali samuel Frimpong Mining & Nuclear Engineering Department Missouri University of Science and Technology

When shovels load the dump trucks with over 100-ton passes under gravity dumping conditions, they will create a large impact force on the dump truck body which generates high frequency shock waves which expose the operators to whole body vibrations （WBV）. The main cause of such truck vibrations is the large impact force due to the gravity dumping of large tonnage passes. Therefore a rigorous mathematical model has been developed for the impact force containing all the necessary factors upon which it depends. Latter, a thorough analysis shows that percentage reduction of 7.19%, 9.40%, 13.27%, 14.8%, 17.30% and 18.13% can he achieved by reducing the dumping distance to 6.33 m, 6.0 m, 5.5 m, 5.33 m, 5.0 m and 4.9 m, respectively, as compared to when the dumping distance was 7.33 m. Even more reduction in the magnitude of impact force can he observed if the shovel pass gets divided into more than two sub-passes. Therefore, these models can he used to figure out the number of sub-passes into which a single ore pass can he divided and/or the extent to which the dumping distance can he reduced which would reduce the impact force significantly enough to obtain safer yet economic operations.

关键词： Impact force HISLO Mathematical modeling Dumping distance Shovel ore sub-passes

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