1. Firstly, we adopt a domain-driven data mining strategy and utilize data mining techniques to analyze the data from fixed-line users for establishing a late payment prediction system, namelythe Combined Mining-based Customer Payment Behavior Predication System (CM-CoP).
2. Secondly, the average accuracy of the CM-CoP model was 78.53% under an average recall of 88.13% and an average gain of 11.2% after a six-month validation