Datasets:

electricsheepafrica
/

nigerian-banking-customer-360

customer_id stringlengths 12 12	snapshot_date timestamp[us]date 2024-12-31 00:00:00 2024-12-31 00:00:00	age int64 18 70	gender stringclasses 2 values	monthly_income_ngn float64 1.24k 10M	state stringclasses 37 values	kyc_tier stringclasses 3 values	account_age_days int64 1 7.3k	products_count int64 1 7	has_savings_account bool 2 classes	has_current_account bool 2 classes	has_loan bool 2 classes	has_debit_card bool 2 classes	has_credit_card bool 2 classes	has_wallet bool 2 classes	has_investment bool 2 classes	total_balance_ngn float64 27.7 60M	transaction_count_30d int64 5 52	transaction_volume_ngn_30d float64 734 32.1M	days_since_last_transaction int64 0 365	dormant_flag bool 2 classes	digital_engagement_score int64 0 100	churn_30d bool 2 classes	churn_90d bool 2 classes
CUS-00000001	2024-12-31T00:00:00	40	male	121,890.983438	Gombe	tier1	5,881	2	false	true	false	false	false	true	false	86,187.599582	20	135,020.374223	7	false	76	false	false
CUS-00000002	2024-12-31T00:00:00	33	female	65,450.104929	Abuja (FCT)	tier2	6,530	1	true	false	false	false	false	false	false	25,440.651497	26	293,349.039674	14	false	33	false	false
CUS-00000003	2024-12-31T00:00:00	42	male	126,501.08022	Kwara	tier1	6,756	1	false	true	false	true	false	false	false	387,692.192059	28	62,167.832834	60	false	25	false	true
CUS-00000004	2024-12-31T00:00:00	53	female	42,281.279822	Akwa Ibom	tier2	3,308	1	true	false	false	false	false	false	false	37,490.68126	21	177,967.018357	3	false	55	false	false
CUS-00000005	2024-12-31T00:00:00	32	male	149,005.739367	Imo	tier2	1,986	4	true	false	false	false	false	false	false	137,546.652869	26	222,014.964124	0	false	51	false	false
CUS-00000006	2024-12-31T00:00:00	32	male	95,231.82978	Abuja (FCT)	tier3	5,393	1	false	false	false	true	false	true	false	303,616.970446	27	831,006.264547	0	false	61	false	false
CUS-00000007	2024-12-31T00:00:00	53	female	653,258.0854	Cross River	tier1	4,302	2	true	false	false	true	false	false	false	123,958.971038	23	215,310.50956	30	false	54	false	false
CUS-00000008	2024-12-31T00:00:00	44	male	212,128.507717	Oyo	tier1	1,709	2	true	true	false	false	false	false	true	5,261.157975	29	222,547.06748	30	false	94	false	false
CUS-00000009	2024-12-31T00:00:00	29	male	243,755.342629	Osun	tier1	3,526	1	true	false	false	false	false	false	false	17,680.710219	24	441,605.511222	1	false	29	false	false
CUS-00000010	2024-12-31T00:00:00	41	female	200,225.574278	Kogi	tier2	2,352	2	true	false	true	false	false	false	false	444,249.002856	27	26,913.185304	3	false	37	false	false
CUS-00000011	2024-12-31T00:00:00	29	male	80,777.903399	Abia	tier2	5,415	1	true	false	true	false	false	false	false	1,411.334644	12	71,105.023843	2	false	90	false	false
CUS-00000012	2024-12-31T00:00:00	29	male	548,252.477262	Kaduna	tier2	835	1	true	false	false	false	true	true	false	154,749.996457	16	63,019.998659	1	false	31	false	false
CUS-00000013	2024-12-31T00:00:00	37	female	192,464.300756	Kaduna	tier3	5,840	1	false	false	false	false	true	false	false	19,335.54754	25	97,933.730299	1	false	57	false	false
CUS-00000014	2024-12-31T00:00:00	18	male	125,652.291646	Kano	tier2	1,787	1	true	false	true	false	false	true	false	7,334.109231	18	161,316.123892	0	false	79	false	false
CUS-00000015	2024-12-31T00:00:00	18	male	125,756.619333	Oyo	tier1	2,370	1	false	false	false	false	false	false	false	129,247.837736	26	181,112.774136	7	false	68	false	false
CUS-00000016	2024-12-31T00:00:00	28	female	67,359.230783	Lagos	tier1	4,328	2	true	false	true	true	false	false	false	65,225.020116	25	38,612.934803	7	false	59	false	false
CUS-00000017	2024-12-31T00:00:00	22	female	53,633.074677	Kaduna	tier2	5,889	1	true	false	false	false	false	false	true	4,923.944747	24	347,202.536833	14	false	47	false	true
CUS-00000018	2024-12-31T00:00:00	38	female	272,800.127288	Kano	tier1	61	1	true	false	false	true	false	false	false	50,660.10161	20	100,536.854243	1	false	94	false	false
CUS-00000019	2024-12-31T00:00:00	24	male	49,487.507588	Bauchi	tier1	7,041	1	false	false	false	true	false	false	false	93,261.839208	23	70,202.519789	0	false	59	false	false
CUS-00000020	2024-12-31T00:00:00	18	female	378,848.663851	Osun	tier2	6,418	1	true	true	false	false	false	false	false	84,153.798063	28	357,466.368976	90	true	42	true	true
CUS-00000021	2024-12-31T00:00:00	52	female	20,756.587073	Lagos	tier1	5,902	1	false	false	false	false	false	false	false	35,142.932981	31	110,475.337907	1	false	51	false	false
CUS-00000022	2024-12-31T00:00:00	32	female	143,587.735236	Edo	tier1	5,827	1	true	true	true	false	false	false	false	3,002.329383	29	63,099.268884	2	false	45	false	false
CUS-00000023	2024-12-31T00:00:00	35	female	335,516.216399	Rivers	tier1	5,370	1	false	false	false	true	false	false	false	22,440.480858	27	35,539.230706	2	false	25	false	false
CUS-00000024	2024-12-31T00:00:00	18	female	279,399.967413	Akwa Ibom	tier3	1,181	4	true	true	false	true	false	false	true	59,065.460056	30	62,147.022639	2	false	60	false	false
CUS-00000025	2024-12-31T00:00:00	28	male	94,325.976705	Kano	tier1	1,234	1	true	false	false	true	false	false	true	6,940.178758	27	295,660.425487	14	false	45	false	true
CUS-00000026	2024-12-31T00:00:00	36	female	196,477.390509	Rivers	tier3	3,287	2	true	false	false	false	false	true	false	86,670.140679	22	160,712.228892	30	false	39	false	false
CUS-00000027	2024-12-31T00:00:00	21	male	121,921.734868	Imo	tier1	3,566	3	true	false	false	false	false	false	false	932,247.675051	27	266,415.304408	30	false	20	false	false
CUS-00000028	2024-12-31T00:00:00	39	female	404,431.751684	Edo	tier2	2,366	2	false	false	true	true	false	false	false	557,807.321651	19	556,145.906492	0	false	22	false	false
CUS-00000029	2024-12-31T00:00:00	27	male	239,293.474681	Edo	tier2	170	2	true	false	false	true	false	true	false	25,261.215082	28	138,517.653283	0	false	38	false	false
CUS-00000030	2024-12-31T00:00:00	31	male	20,728.678439	Delta	tier1	3,532	1	true	true	true	false	false	false	false	442,429.406324	25	421,502.827831	7	false	37	false	false
CUS-00000031	2024-12-31T00:00:00	27	male	173,321.411622	Lagos	tier1	4,981	3	true	false	false	true	false	false	false	197,282.295393	29	45,568.156932	3	false	66	false	false
CUS-00000032	2024-12-31T00:00:00	57	female	934,648.799989	Rivers	tier1	840	3	true	true	false	false	false	false	false	8,611.079397	23	57,741.331919	0	false	54	false	false
CUS-00000033	2024-12-31T00:00:00	34	female	105,046.465073	Lagos	tier1	3,687	1	true	true	true	false	false	true	false	14,084.043232	28	178,447.818825	14	false	24	false	true
CUS-00000034	2024-12-31T00:00:00	22	male	44,524.064065	Plateau	tier2	209	5	false	false	true	false	false	false	false	1,610.655111	20	42,603.388273	2	false	71	false	false
CUS-00000035	2024-12-31T00:00:00	44	female	59,146.267198	Lagos	tier1	4,199	4	true	false	false	true	false	false	true	31,533.225701	22	46,825.093504	2	false	83	false	false
CUS-00000036	2024-12-31T00:00:00	20	male	309,922.29049	Plateau	tier2	2,836	2	true	false	true	false	false	false	false	49,975.852298	32	515,328.449256	7	false	50	false	false
CUS-00000037	2024-12-31T00:00:00	37	female	118,796.477604	Borno	tier2	3,034	1	true	false	false	true	true	false	true	10,200.591144	28	346,954.366446	0	false	59	false	false
CUS-00000038	2024-12-31T00:00:00	18	female	121,058.409195	Rivers	tier1	3,405	2	true	false	false	true	false	false	false	332,468.564859	29	45,639.02144	90	true	84	false	false
CUS-00000039	2024-12-31T00:00:00	19	female	121,137.743786	Lagos	tier2	1,403	4	true	false	false	true	false	false	false	43,011.19329	20	213,826.300653	7	false	72	false	false
CUS-00000040	2024-12-31T00:00:00	37	female	129,376.93866	Lagos	tier3	3,083	1	true	false	false	true	true	true	false	58,408.701863	33	194,371.341313	7	false	79	false	false
CUS-00000041	2024-12-31T00:00:00	43	female	25,371.456606	Abuja (FCT)	tier2	4,234	1	true	false	false	true	false	false	false	5,701.893293	40	776,875.612839	180	true	55	true	true
CUS-00000042	2024-12-31T00:00:00	37	female	158,450.63091	Adamawa	tier1	5,593	1	false	false	true	true	false	false	false	151,306.231438	22	64,147.199682	30	false	90	false	false
CUS-00000043	2024-12-31T00:00:00	33	male	112,013.644887	Lagos	tier1	6,923	2	true	true	false	false	false	false	false	88,616.479819	17	38,392.125207	1	false	68	false	false
CUS-00000044	2024-12-31T00:00:00	31	female	92,375.141441	Rivers	tier1	5,296	2	false	false	false	false	false	true	false	23,893.787683	29	139,483.730378	3	false	47	false	false
CUS-00000045	2024-12-31T00:00:00	18	male	138,804.653346	Ogun	tier3	2,846	1	true	false	false	true	false	false	false	73,033.877576	17	54,823.98123	1	false	78	false	false
CUS-00000046	2024-12-31T00:00:00	26	male	103,621.076223	Delta	tier2	2,604	3	true	false	false	false	false	false	false	87,826.182124	39	269,809.301971	14	false	54	false	false
CUS-00000047	2024-12-31T00:00:00	29	female	82,681.913316	Edo	tier1	5,078	1	true	false	false	true	false	true	false	10,630.901897	25	99,374.776464	14	false	63	false	false
CUS-00000048	2024-12-31T00:00:00	47	female	2,773,398.835412	Oyo	tier2	1,831	3	false	false	false	false	false	true	false	14,793.684588	28	406,306.97293	7	false	71	false	false
CUS-00000049	2024-12-31T00:00:00	39	male	630,143.964988	Rivers	tier1	653	1	true	false	false	false	false	false	false	51,265.327682	20	152,644.682637	0	false	53	false	true
CUS-00000050	2024-12-31T00:00:00	18	female	600,788.81051	Delta	tier2	6,152	1	false	false	false	true	false	false	false	147,018.37687	24	42,013.395387	90	true	64	true	true
CUS-00000051	2024-12-31T00:00:00	38	male	33,567.676635	Rivers	tier1	2,301	1	true	true	false	false	false	false	false	2,703.373182	32	925,523.995622	30	false	42	false	true
CUS-00000052	2024-12-31T00:00:00	30	female	138,716.664208	Benue	tier1	6,636	5	true	false	false	false	false	false	false	56,468.067239	26	40,126.091889	1	false	79	false	false
CUS-00000053	2024-12-31T00:00:00	26	male	156,835.415147	Kaduna	tier2	7,217	1	true	true	false	true	false	false	false	260,234.03739	15	36,464.093225	3	false	78	false	false
CUS-00000054	2024-12-31T00:00:00	42	female	285,096.989406	Oyo	tier1	1,178	2	true	false	false	false	false	false	false	4,851.115875	29	224,455.585032	90	true	24	true	true
CUS-00000055	2024-12-31T00:00:00	47	male	379,052.470807	Ogun	tier1	4,583	1	true	true	false	true	false	true	false	92,365.187246	28	4,545,268.85945	7	false	75	false	false
CUS-00000056	2024-12-31T00:00:00	46	male	271,436.164269	Delta	tier2	3,969	1	true	false	false	false	false	false	false	46,944.659381	23	28,155.983028	2	false	41	false	false
CUS-00000057	2024-12-31T00:00:00	24	male	384,333.752528	Akwa Ibom	tier2	7,113	1	true	false	false	true	false	true	false	64,744.640033	25	211,843.674985	1	false	47	false	false
CUS-00000058	2024-12-31T00:00:00	31	male	82,174.204782	Lagos	tier1	6,826	1	true	false	false	false	false	false	false	34,023.970829	17	102,816.118608	60	false	1	false	true
CUS-00000059	2024-12-31T00:00:00	38	male	101,371.12111	Delta	tier2	2,348	1	false	false	false	true	false	false	false	600.033323	17	167,047.155441	7	false	43	false	false
CUS-00000060	2024-12-31T00:00:00	46	female	79,436.189631	Plateau	tier2	4,746	4	false	true	false	false	false	true	false	47,082.67217	23	72,814.419928	0	false	72	false	false
CUS-00000061	2024-12-31T00:00:00	29	male	72,183.01613	Cross River	tier2	2,993	1	true	true	false	true	false	true	false	9,932.306325	24	76,686.808526	1	false	69	false	false
CUS-00000062	2024-12-31T00:00:00	32	male	187,375.109956	Anambra	tier1	4,812	2	true	true	false	false	false	false	false	88,813.247	26	651,328.319239	2	false	35	false	false
CUS-00000063	2024-12-31T00:00:00	21	female	156,214.033341	Kwara	tier2	6,380	3	false	false	false	false	false	false	false	111,441.765763	26	46,465.557447	14	false	25	false	false
CUS-00000064	2024-12-31T00:00:00	20	female	24,866.269076	Enugu	tier2	3,761	1	true	true	true	true	false	false	false	53,797.600736	21	95,302.816222	7	false	27	false	false
CUS-00000065	2024-12-31T00:00:00	44	female	164,068.95586	Ondo	tier1	1,981	1	true	false	false	false	false	false	false	7,536.714021	26	389,884.11596	3	false	0	false	true
CUS-00000066	2024-12-31T00:00:00	51	female	208,694.039242	Lagos	tier1	849	1	true	false	false	true	false	false	true	11,210.130935	24	131,044.653957	7	false	68	false	false
CUS-00000067	2024-12-31T00:00:00	34	male	85,655.617738	Lagos	tier1	2,722	1	true	false	true	true	false	true	false	41,742.381506	21	79,546.454032	1	false	55	false	false
CUS-00000068	2024-12-31T00:00:00	47	male	218,406.58928	Osun	tier2	3,631	2	false	true	false	true	false	false	false	83,902.504139	34	201,330.278605	0	false	67	false	false
CUS-00000069	2024-12-31T00:00:00	39	male	109,137.667871	Plateau	tier2	838	1	true	false	false	true	true	false	false	56,759.592328	26	183,023.279535	14	false	70	false	false
CUS-00000070	2024-12-31T00:00:00	27	female	509,360.282567	Katsina	tier2	7,229	5	true	true	false	false	false	false	false	116,024.279189	26	89,882.070171	30	false	52	false	false
CUS-00000071	2024-12-31T00:00:00	39	male	115,957.928899	Rivers	tier3	2,902	2	true	false	false	false	false	true	false	110,968.51165	25	60,380.161449	7	false	59	false	false
CUS-00000072	2024-12-31T00:00:00	53	female	377,509.467401	Lagos	tier3	854	4	false	false	false	true	false	false	false	36,701.187981	29	287,516.069941	0	false	27	false	false
CUS-00000073	2024-12-31T00:00:00	34	male	143,014.378683	Abuja (FCT)	tier2	5,362	2	true	false	false	false	false	true	true	1,917.262521	22	202,845.49738	0	false	55	false	false
CUS-00000074	2024-12-31T00:00:00	53	male	98,522.933676	Sokoto	tier1	2,343	1	true	true	true	false	false	false	false	49,187.171044	27	211,886.526504	3	false	34	false	false
CUS-00000075	2024-12-31T00:00:00	18	male	211,136.488699	Gombe	tier1	6,520	2	true	false	false	false	false	false	false	405,358.669789	28	33,336.703875	0	false	48	false	false
CUS-00000076	2024-12-31T00:00:00	44	male	392,478.802005	Katsina	tier2	1,659	3	true	true	false	false	false	false	false	25,428.694079	28	117,982.152415	7	false	28	false	false
CUS-00000077	2024-12-31T00:00:00	36	female	111,476.397482	Bauchi	tier1	4,942	1	false	false	false	false	false	true	false	47,332.082112	9	38,138.060181	2	false	71	false	false
CUS-00000078	2024-12-31T00:00:00	31	female	53,598.324185	Edo	tier2	6,503	6	true	false	false	false	false	false	false	150,052.015719	17	162,330.534938	365	true	54	false	true
CUS-00000079	2024-12-31T00:00:00	36	female	410,311.294801	Benue	tier1	716	2	true	false	true	true	false	true	false	99,301.134675	24	167,172.221459	0	false	56	false	false
CUS-00000080	2024-12-31T00:00:00	18	male	56,897.384244	Abuja (FCT)	tier2	3,620	1	false	true	false	false	false	true	true	9,766.727689	27	37,857.460315	14	false	51	false	true
CUS-00000081	2024-12-31T00:00:00	32	male	87,932.804049	Lagos	tier1	4,119	2	true	true	false	true	false	false	false	106,664.098804	30	1,197,861.280117	0	false	74	false	false
CUS-00000082	2024-12-31T00:00:00	39	male	412,390.39937	Delta	tier2	6,074	2	true	false	false	true	false	false	false	35,146.941732	26	90,079.550012	0	false	49	false	false
CUS-00000083	2024-12-31T00:00:00	52	male	56,365.178271	Plateau	tier1	5,875	3	true	false	false	false	false	false	false	12,679.653547	22	251,532.038699	0	false	45	false	false
CUS-00000084	2024-12-31T00:00:00	28	female	157,270.983297	Lagos	tier1	7,248	1	false	false	false	false	false	false	false	68,493.454867	18	528,704.71218	14	false	46	false	false
CUS-00000085	2024-12-31T00:00:00	25	male	137,737.245473	Lagos	tier1	3,700	5	true	false	false	false	true	false	false	10,870.510495	25	76,134.716741	60	false	67	false	false
CUS-00000086	2024-12-31T00:00:00	28	female	124,403.039949	Anambra	tier2	5,368	5	true	true	true	true	false	false	false	93,101.169025	25	201,782.188884	7	false	60	false	false
CUS-00000087	2024-12-31T00:00:00	45	male	161,124.999812	Imo	tier1	2,352	3	true	false	false	false	false	false	false	9,268.999581	25	108,696.558104	2	false	80	false	false
CUS-00000088	2024-12-31T00:00:00	38	male	115,831.21507	Katsina	tier1	6,945	1	true	true	false	false	false	false	false	4,824.550756	29	740,419.316438	2	false	45	false	false
CUS-00000089	2024-12-31T00:00:00	28	female	268,494.816916	Jigawa	tier1	43	3	true	true	false	false	false	false	false	4,156.211255	27	52,154.751183	14	false	86	false	false
CUS-00000090	2024-12-31T00:00:00	41	male	374,567.718598	Bayelsa	tier2	2,652	1	true	true	true	false	false	false	false	100,052.197068	28	628,611.88335	2	false	78	false	false
CUS-00000091	2024-12-31T00:00:00	36	male	93,320.399762	Enugu	tier1	1,245	3	false	false	false	false	false	false	false	1,079.121841	16	68,363.731492	2	false	54	false	false
CUS-00000092	2024-12-31T00:00:00	46	male	53,941.433235	Lagos	tier1	4,932	2	true	false	true	false	false	true	false	80,419.920224	21	83,714.062406	14	false	52	false	false
CUS-00000093	2024-12-31T00:00:00	26	female	172,262.853321	Katsina	tier2	5,835	2	true	false	false	true	false	false	true	462,809.512127	27	248,465.378613	1	false	69	false	false
CUS-00000094	2024-12-31T00:00:00	31	male	169,533.644366	Yobe	tier2	2,376	2	true	false	false	true	false	false	true	13,757.420726	23	521,663.230874	14	false	41	false	false
CUS-00000095	2024-12-31T00:00:00	30	male	150,758.631392	Lagos	tier2	3,214	2	true	false	false	true	true	false	false	143,454.947975	28	225,853.431346	14	false	75	false	false
CUS-00000096	2024-12-31T00:00:00	18	female	44,364.170537	Enugu	tier1	6,476	2	true	false	false	false	false	true	false	3,628.696115	17	105,863.686253	0	false	44	false	false
CUS-00000097	2024-12-31T00:00:00	38	male	265,736.03282	Enugu	tier2	3,404	3	true	false	false	false	false	false	false	37,093.899328	22	418,524.826566	2	false	36	false	false
CUS-00000098	2024-12-31T00:00:00	38	female	574,912.050386	Abuja (FCT)	tier3	5,046	3	false	false	false	false	false	true	true	64,752.555885	17	313,376.383134	7	false	9	false	false
CUS-00000099	2024-12-31T00:00:00	35	male	127,734.893058	Kano	tier2	3,017	2	true	false	false	true	true	false	false	10,371.196005	22	360,148.011111	2	false	65	false	false
CUS-00000100	2024-12-31T00:00:00	32	female	76,947.063965	Abuja (FCT)	tier2	6,704	2	true	false	false	false	false	false	false	6,062.17768	26	693,752.654068	90	true	83	false	true

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Nigerian Banking Customer 360

Dataset Type: Banking & Finance - Customer Analytics
Version: 1.0
License: Apache 2.0
Language: English
Geography: Nigeria

Dataset Description

Synthetic Nigerian banking customer 360-degree profiles with churn prediction labels. Comprehensive view of customer demographics, product holdings, balances, transaction activity, and digital engagement.

Use Cases:

Customer churn prediction
Lifetime value (LTV) modeling
Next-best-offer recommendations
Customer segmentation
Product cross-sell/up-sell
Retention campaign targeting

Dataset Statistics

Rows: 2,000,000 customers (pilot: 10,000)
Columns: 24
Snapshot Date: 2024-12-31 (monthly snapshots possible)
Churn 30d Prevalence: 5%
Churn 90d Prevalence: 12%

Schema

Column	Type	Description
`customer_id`	string	Unique customer identifier (CUS-########)
`snapshot_date`	date	Data snapshot date
`age`	int	Customer age (18-70)
`gender`	category	`male`, `female`
`monthly_income_ngn`	float	Monthly income in Naira
`state`	category	Nigerian state (37 states)
`kyc_tier`	category	`tier1`, `tier2`, `tier3`
`account_age_days`	int	Days since account opening
`products_count`	int	Number of products held (1-7)
`has_savings_account`	bool	Has savings account
`has_current_account`	bool	Has current account
`has_loan`	bool	Has active loan
`has_debit_card`	bool	Has debit card
`has_credit_card`	bool	Has credit card
`has_wallet`	bool	Has digital wallet
`has_investment`	bool	Has investment product
`total_balance_ngn`	float	Total balance across products
`transaction_count_30d`	int	Transaction count (last 30 days)
`transaction_volume_ngn_30d`	float	Transaction volume (last 30 days)
`days_since_last_transaction`	int	Days since last transaction
`dormant_flag`	bool	Dormant if no activity in 90+ days
`digital_engagement_score`	int	Digital engagement score (0-100)
`churn_30d`	bool	LABEL: True if churned in 30 days
`churn_90d`	bool	LABEL: True if churned in 90 days

Label Distribution

Churn 30d

Positive: 5%
Negative: 95%

Churn 90d

Positive: 12%
Negative: 88%

Note: churn_90d is a superset of churn_30d

Churn Drivers

High Risk Factors

Dormant (90+ days no activity): 15x risk
Single Product: 5x risk
Low Engagement (<30 score): 6x risk
Low Balance (<₦10k): 4x risk
Failed Transactions (>5/month): 3x risk
No Direct Deposit: 3.5x risk

Protective Factors

Multi-Product (3+): 0.2x risk
High Engagement (>70 score): 0.3x risk
Recent Activity (<7 days): 0.25x risk
High Balance (>₦500k): 0.4x risk

Data Distributions

Demographics

Metric	Value
Avg Age	35 years
Gender Split	52% M / 48% F
Urban Rate	65%

Product Holdings

Product	Prevalence	Avg Balance
Savings Account	80%	₦150,000
Current Account	35%	₦300,000
Debit Card	40%	-
Digital Wallet	30%	₦50,000
Loan	20%	₦500,000
Investment	12%	₦1,000,000
Credit Card	8%	-

Average Products per Customer: 2.0

Balance Distribution

Distribution: Lognormal
Median: ₦50,000
Mean: ₦160,000
Top 10%: >₦800,000

Transaction Activity (30 days)

Metric	Value
Avg Transactions	25
Zero Transactions	15%
High Activity (50+)	10%

Digital Engagement Score

Distribution: Normal (μ=55, σ=20)
Low (<30): 20%
Medium (30-70): 60%
High (>70): 20%

Customer Segments

Segment	Prevalence	Avg Balance	Products	Churn Rate
Mass Market	60%	₦50k	1.5	8%
Emerging Affluent	25%	₦300k	2.5	4%
Affluent	10%	₦2M	3.5	2%
Private Banking	5%	₦10M	5.0	1%

KYC Tiers

Tier	Daily Limit	Prevalence	Churn Rate
Tier 1	₦300k	45%	8%
Tier 2	₦5M	45%	4%
Tier 3	Unlimited	10%	2%

Nigerian Context

Geographic Distribution

Top 5 States:

Lagos - 25%
Abuja (FCT) - 12%
Rivers - 8%
Kano - 7%
Oyo - 5%

Income Patterns

Median Income: ₦120,000/month
Lagos Multiplier: 1.5x national average
Rural Areas: 0.6-0.7x national average

Banking Behavior

✅ Salary Detection: 55% have direct deposit
✅ Multi-Banking: 40% hold accounts at 2+ banks
✅ Mobile First: 70% primarily use mobile app
✅ Dormancy: 12.5% dormant (90+ days no activity)

Seasonal Patterns

Detty December: +50% balances in December
January Broke: -30% balances in January
Mid-year Lull: -10% activity in June-July

Files

customer_360/
├── README.md
├── nigerian_customer_360_pilot.parquet (10k, 0.45 MB)
├── nigerian_customer_360.parquet (2M, ~160 MB) - Coming Soon
├── nigerian_customer_360.csv (2M, ~320 MB) - Coming Soon
└── customer_360_sample.csv (100 rows)

Usage Example

import pandas as pd
from sklearn.ensemble import GradientBoostingClassifier
from sklearn.model_selection import train_test_split

# Load data
df = pd.read_parquet('nigerian_customer_360.parquet')

# Feature engineering
df['balance_per_product'] = df['total_balance_ngn'] / df['products_count']
df['txn_per_day'] = df['transaction_count_30d'] / 30
df['avg_txn_size'] = df['transaction_volume_ngn_30d'] / df['transaction_count_30d']

# Churn prediction features
features = [
    'products_count', 'total_balance_ngn', 'transaction_count_30d',
    'days_since_last_transaction', 'digital_engagement_score',
    'dormant_flag', 'account_age_days', 'balance_per_product'
]

X = df[features].fillna(0)
y = df['churn_30d']

# Split and train
X_train, X_test, y_train, y_test = train_test_split(
    X, y, test_size=0.2, stratify=y, random_state=42
)

model = GradientBoostingClassifier(n_estimators=100, learning_rate=0.1)
model.fit(X_train, y_train)

# Feature importance
importance_df = pd.DataFrame({
    'feature': features,
    'importance': model.feature_importances_
}).sort_values('importance', ascending=False)

print(importance_df)

Retention Strategies

High-Risk Segments

Dormant Customers: Re-engagement campaigns, special offers
Single-Product: Cross-sell campaigns
Low Balance: Savings incentives
Low Engagement: Digital onboarding support

Recommended Actions

Churn Score >0.7: Immediate intervention (personal call)
Churn Score 0.5-0.7: Retention offer (fee waiver, bonus)
Churn Score 0.3-0.5: Engagement campaign (push notifications)
Churn Score <0.3: Monitor only

Limitations

Snapshot Data: Single point-in-time, not time-series
Simplified Engagement: Real engagement includes many more touchpoints
External Factors: Macroeconomic conditions not included
Competitive Actions: Other banks' offers not modeled

Citation

@dataset{nigerian_customer_360_2025,
  author = {Electric Sheep Africa},
  title = {Nigerian Banking Customer 360 Dataset},
  year = {2025},
  publisher = {Hugging Face}
}

Last Updated: 2025-10-19
Status: ✅ Pilot Validated

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Nigerian Banking

Collection

20 Nigerian banking datasets for ML research, fraud detection, and financial analytics. • 20 items • Updated Oct 20, 2025 • 1