Decision Tree: Categorizing Financial Inclusion
Tanu Tiwari1, Alpana Srivastava2, Surendra Kumar3
1TanuTiwari, pursuing Ph.D. (Management) at Amity Business School.
2Dr. Alpana Srivastava, Professor at Amity University, Lucknow.
3Surendra Kumar, Professor at Amity University, Lucknow.

Manuscript received on November 11, 2019. | Revised Manuscript received on November 20 2019. | Manuscript published on 30 November, 2019. | PP: 10431-10435 | Volume-8 Issue-4, November 2019. | Retrieval Number: D8979118419/2019©BEIESP | DOI: 10.35940/ijrte.D8979.118419

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Abstract: Financial Inclusion (FI) is a global concern and even developed economies are trying to achieve complete inclusion. The inclusion index is reported by many institutions and regulatory bodies considering only one or two key attributes in their reports and hence, the impact of other financial parameters is missed. Further, the reports display an aggregated value at national level. Deciphering the inclusion at individual level will help to take corrective measures and in designing new policies. This study aims to propose a decision ruleusing techniques from data analytics to segment the population into excluded and included. The consolidated weighted scoring method was used over four key financial attributes to identify the actual class.C5.0 algorithm has been applied to arrive at the decision rule which employs technique of entropy or information gain. Surveyed data with 691 records was partitioned into training (80%) and test (20%) data sets. The classification accuracy over the test data set was found to be 100%.The findings of this study could be used by policymakers for individual estimate of FI score and prioritizing the policies.
Keywords: Financial Inclusion, C5.0, Classification tree, Decision rule.
Scope of the Article: Classification.