In methodological terms, we propose a local search metaheuristic which explores rich solution neighborhoods composed of exchanges of variable-length customer sequences.
Accordingly, considering the limitations in the available data in the bank's database, in this research, length of customer association and customer complaints were used to evaluate level of customer's dissatisfaction.
They used service failure rate, length of customer association, and customer complaints to evaluate the level of dissatisfaction across the operator's database.
If number of transactions through USSD-based mobile banking ≤0.5 and length of customer association >6.5 and education level = Ph.
As demonstrated in Fig. 10, by increasing length of customer time windows from 120 to 240 min, the different between 2-VRPTW and our model is decreased.
If number of transactions through USSD-based mobile banking ≤0.5 and length of customer association >6.5 and education level = high school diploma and age ≤29.5 → Churn 5.
In the first one we assumed that the length of customer satisfaction time window is 40 min and in the next scenarios we increased its length up to 120 min equal to hard time window.
Another motivation for WAP at the distribution level is its role as an enabler for adaptive control, e.g. automatic network reconfiguration that reduces the frequency and length of customer interruptions, manages circuit loading, and limits the fault level [57].
If number of transactions through USSD-based mobile banking ≤0.5 and length of customer association ≤6.5 and number of transactions through internet bank ≤1.5 and number of transactions through mobile bank ≤0.5 and number of transactions through telephone bank ≤1 and gender = 1 → Churn 2.
If number of transactions through USSD-based mobile banking ≤0.5 and length of customer association ≤6.5 and number of transactions through internet bank ≤1.5 and number of transactions through mobile bank ≤0.5 and number of transactions through telephone bank ≤1 and gender = 0 and age ≤35 → Churn 3.
The consumer bureau said the complaints it has received raise concerns that loan servicers are focused on "minimizing the length of customer contacts with little regard for resolving borrowers' issues".
