Fred, You can test your model on a small random sample of the customers who only use online banking solution to see if the model is applicable to that cohort. As a practical matter, models that are deployed for the 'right' segments can go wrong for all sorts of reason. A small scale, pre-test like this should take out potential complications embedded in full scale, 'live' deployment. Models are supposed to be deployed for the intended segment. This is essential for model performance measurement. This does not mean the model has little or no applicability onto segments that do not overlap much with the original model universe. If a model is driven by variables that are shared between online banking and non-online banking customer bases, the model may very well stand up OK. What you can test is in building the model, create a flag or a set of variables to 'single out' those on banking customers only to see if such flag is predictively significant or will bias your model in any way. In some cases, such flag is significantly statistically but does not call for separate model for each. Sometime the flag may behave like a 'fault' that separates continents, when a separate model may be good idea. At variable selection phase, you may pay attention to variables that are unique to one segment but not to the rest. Best Regards Jason Xin
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