[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-606462-105":59,"doc-detail-606462-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","a-dynamic-ensemble-selection-method-for-bank-telemarketing-sales-prediction","A dynamic ensemble selection method for bank telemarketing sales prediction","","This paper proposes META-DES-AAP, a dynamic ensemble selection approach for predicting the success of bank telemarketing sales for time deposits. Beyond prediction accuracy, the method jointly targets accuracy and average profit maximization. It introduces a multi-objective optimization strategy within metatraining to select base classifiers that fit each test telemarketing campaign. Experiments on bank telemarketing data show META-DES-AAP achieves top accuracy and the largest average profit compared with several state-of-the-art methods, and analyzes key factors affecting predicted success probability and profit.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/a-dynamic-ensemble-selection-method-for-bank-telemarketing-sales-prediction/606462/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/a-dynamic-ensemble-selection-method-for-bank-telemarketing-sales-prediction/606462.png","ImageObject",300,407,{"name":92,"@type":93},"Lucas Martin","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-11-02","2026-10-16",true,{"@type":102,"interactionType":103,"userInteractionCount":14},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What does META-DES-AAP predict in bank telemarketing sales?","Question",{"text":112,"@type":113},"META-DES-AAP predicts the success of bank telemarketing sales for time deposits.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"How is META-DES-AAP different from accuracy-only marketing sales prediction methods?",{"text":117,"@type":113},"It considers both prediction accuracy and average profit maximization when selecting base classifiers.",{"name":119,"@type":110,"acceptedAnswer":120},"How does the proposed method integrate classifiers for each telemarketing campaign?",{"text":121,"@type":113},"It integrates base classifiers using a dynamic-based base classifiers integration method tailored to each test telemarketing campaign.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},606462,1792274253,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":14,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":139,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":144,"read_time":145},8796095360427,"https://ap-avatar.wpscdn.com/davatar_994ba38a5ba835b3df7d355c54d3ed8d","Journal of Business Research 139 (2022) 368–382  \nContents lists available at ScienceDirect  \nJournal of Business Research  \njournal [homepage:](homepage: www.elsevier.com/locate/jbusres)[ www.elsevier.com/locate/jbusres](homepage: www.elsevier.com/locate/jbusres)  \n| A dynamic ensemble selection method for bank telemarketing sales prediction☆\u003Cbr>Yi Feng a, Yunqiang Yin b, Dujuan Wang a, *, Lalitha Dhamotharanc\u003Cbr>a Business School, Sichuan University, Chengdu 610064, China\u003Cbr>b School of Economics and Management, University of Electronic Science and Technology of China, Chengdu 610064, China c Centre for Simulation, Analytics and Modelling (CSAM), University of Exeter Business School, EX4 4PU, UK |  |  | |\n| --- | --- | --- | --- |\n| A R T I C L E I N F O |  | A B S T R A C T |  |\n| Keywords:\u003Cbr>Time deposits\u003Cbr>Multi-objective\u003Cbr>Dynamic ensemble selection Telemarketing sales Marketing strategy |  | We propose a dynamic ensemble selection method, META-DES-AAP, to predict the success of bank telemarketing sales of time deposits. Unlike existing machine learning-based marketing sales prediction methods focusing only on prediction accuracy, META-DES-AAP considers the accuracy and average profit maximization. In META-DESAAP, to consider both accuracy and average profit in the framework of dynamic ensemble selection using metatraining, a multi-objective optimization algorithm is designed to maximize the accuracy and average profit for base classifiers selection. Base classifiers suitable for each test telemarketing campaign are integrated according to the dynamic-based base classifiers integration method. Experimental results on bank telemarketing data show that META-DES-AAP achieves the best accuracy and the largest average profit when compared across several state-of-the-art machine learning methods. In addition, the factors influencing telemarketing on the average predicted probability of telemarketing success and average profit obtained by META-DES-AAP are analyzed. |  |\n\n1. Introduction  \nFor contemporary financial institutions, highly liquid deposits serve as the main funding source, accounting for more than two-thirds of the total asset sources (Mei, Xu, & Wang, 2016). In particular, large retail banks, an integral part of the globalized financial system, are key intermediary players in international trade and investment. These large retail banks require sufficient deposits to thrive and expand their businesses (Dincer, Hacioglu, Tatoglu, & Delen, 2019). The performance of most retail banks depends largely on the success of their marketing campaigns (i.e., whether customers subscribe to their financial products). Therefore, stronger stability and lower cost of financial products and time deposits inform the bank’s future expansion capacity on loans. However, conducting successful marketing campaigns in a competitive financial market is undoubtedly difficult, as retail banks are constrained to invest in 30% of customers below the economic profit threshold (M´endez-Su´arez & Crespo-Tejero, 2020). Hence, banks attempt to target marketing campaigns efficiently in their profit and social welfare maximization strategies.  \nOne of the main ways banks reach their customers is through telemarketing services. As a marketing method, this covers the promotion of products by making calls out of a curated customer list (Kotler, 2016), which has the advantage of lower cost and higher yield than other methods (Mei et al., 2016; Yan, Li, & Liu, 2020) when a consumer is accurately targeted. In other words, conducting telemarketing without a strategy can result in unnecessary cost expenditures (Yan et al., 2020). Furthermore, several customers face discomfort when they experience telemarketing campaigns because they are not interested in products or think telemarketing is an invasion of their privacy (Ritsema & Pi¨est, 1990; Yan et al., 2020). Thus, some customers’ opinions, critics, and telemarketing complaints are easily found on social me","cbCaihEz5uGofubQ","https://ap.wps.com/l/cbCaihEz5uGofubQ","pdf",2896001,15,"English","# Introduction\n## Telemarketing in retail banking\n## Motivation for sales prediction with machine learning","[{\"question\":\"What does META-DES-AAP predict in bank telemarketing sales?\",\"answer\":\"META-DES-AAP predicts the success of bank telemarketing sales for time deposits.\"},{\"question\":\"How is META-DES-AAP different from accuracy-only marketing sales prediction methods?\",\"answer\":\"It considers both prediction accuracy and average profit maximization when selecting base classifiers.\"},{\"question\":\"How does the proposed method integrate classifiers for each telemarketing campaign?\",\"answer\":\"It integrates base classifiers using a dynamic-based base classifiers integration method tailored to each test telemarketing campaign.\"}]","A dynamic ensemble selection method for bank telemarketing sales prediction | PDF",1792184442,38]