frequency, and monetary value (RFM)framework that captures the main characteristics of customer usage behavior. ‘‘Recency tells how long it has been since each customer made the last purchase; frequency tells how many times each customer has purchased; and monetary tells how much each customer has spent in total” (Ha et al., 2002). Cluster analysis algorithms, which are currently available in numerous software packages, have been also attracted a great deal of attention among practitioners to determine well-differentiated segments by examining customers’ usage pattern (Berry & Linoff, 2004; Giudici &Figini, 2009).