Identity characteristics

Age

(0, 18]

(18, 25]

(25, 50]

>50

0

20

50

30

Behavioral preferences

Active days (days)

≤2

(2, 10]

(10, 20]

(20, 25]

(25, 29]

>29

0

23

46

66

100

155

Number of traffic used (M)

[0, 30]

[30,200]

[200,500]

(500,100 0]

(1,000,200 0]

>2000

0

20

40

80

100

60

Performance capability

Number of overdue fees in recent 6 months (times)

0

1

[2, 3]

[4, 6]

320

100

50

0

Credit history

Network access time (month)

[6, 7]

(7, 11]

(11, 24]

[24] 13

[48,100]

[100,180]

>180

0

20

50

80

120

150

245

Connections

Contact circles (ones)

≤1

(1, 4]

(4, 8]

(8, 15]

(15, 30]

≥31

0

30

40

50

80

128