Context of the concept drift in data mining: An empirical study on the regional economic influence to the relation between demographic attributes and credit card holder’s loyalty

In data mining field, concept drift means that the original rule can not adapt to the sample. Concept drift will make the rules unable to be used widely. Recent works supposed the concept drift was influenced by many hidden factors which is called context factor, but did not give evidence. Based on the concept drift theories, this paper carried on the empirical study with Chinese credit card holders, finding the regional economic environment is a remarkable context factor to the individual loyal behavior; it hidden influenced the relation between individual characteristic and their behavior indirectly. This research offered a real empirical example for the influence of context factors of concept drift and proposed a special perspective for Chinese credit card market.