> pikes in the churn rate at the end of the deposit period
► We have to adapt the active time line for every customer
► The last 3 months before the churn are the most informative
► Different account types have different patterns in churn
► Slow attriters pay down their outstanding balance until they become inactive
► Fast attriters quickly pay down their balance and either lapse it or close it
► Proper segmentation of the customers is the key for further precise modeling