Graham, Yes you can definitely code the same payment values into differing binning criteria/schema/rules/cuts/wishes. This is often seen with modelers using BASE. In case of using EM, it is not unusual to see a modeler add SAS Code Node to run his or her custom coding on the same variables, alongside whatever EM is doing with the variables, to compare and test. The logic behind this is: while rule of thumbs or general guidelines often apply, the 'best' cuts/bins often are determined by try and error. After coding the same payment variables into differing bucket variables, you should, though, expect that they are highly correlated. Depending on specifics, sometimes you select one over the others. Sometimes you build them into PCA or factors. The reality is when the data, in your case the payment data, are typically NOT collected with any analytics in mind. The data just ENTERED into your database. You have to configure it to situate your models. The payment variable is like you foot. Of course you should try different pairs of shoes to decide which one fits the best. Jason Xin
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