In India or even abroad, Banks are doing Behavioural Analysis at account level or at GL level or at product level? For example banks are performing behavioural analysis for each and every account i.e. for each loan account, each CCOD, Bills, Saving Deposit Accounts or Current Deposit Accounts or they doing this analysis based on product type like for Saving Deposit as a product and data used at GL levels and not taking account level data and same process for other products. what is the industrial practice in behavioural analysis?
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Its very difficult to do behavioural analysis at account level and not beneficial as well. For retail pool which is homogeneous is nature modelling is done in a combined fashion.
For behavioral analysis Regression is the most popular technique.