Corporate network analysis based on graph learning

Abstract

We constructed a financial network based on the relationships of the customers in our database with our other customers or other bank customers using our large-scale data set of money transactions. There are two main aims in this study. Our first aim is to identify the most profitable customers by prioritizing companies in terms of centrality based on the volume of money transfers between companies. This requires acquiring new customers, deepening existing customers and activating inactive customers. Our second aim is to determine the effect of customers on related customers as a result of the financial deterioration in this network. In this study, while creating the network, a data set was created over money transfers between companies. Here, text similarity algorithms were used while trying to match the company title in the database with the title during the transfer. For customers who are not customers of our bank, information such as IBAN numbers are assigned as unique identifiers. We showed that the average profitability of the top 30% customers in terms of centrality is five times higher than the remaining customers. Besides, the variables we created to examine the effect of financial disruptions on other customers contributed an additional 1% Gini coefficient to the model that the bank is currently using even if it is difficult to contribute to a strong model that already works with a high Gini coefficient. © 2023, The Author(s), under exclusive license to Springer Nature Switzerland AG.