Expanded Suspension Policies for Corporate Sale Visit using Reliability Model

The relationship between financial institutions and corporate clients has seen an increased importance of face to face contact due to advances in AI technology and the expansion of fintech services. We propose an optimal strategy model for financial institutions to determine whether to continue contact based on the probability of revenue derived from information obtained through contact status with corporate clients. This paper extends the model to incorporate the risk of business discontinuation due to environmental changes affecting corporate clients. Specifically, we use expected profit as the objective function, rather than the cost function employed in the maintenance and inspection model, and formulate the policy using age replacement in the reliability model. The model presents three types of corporate clients: those who suspend contact within a predefined period, those who extend the period once to continue contact, and those who extend it a second time. The target corporate attribute is non-profit organizations, which have high social needs but whose financial foundations are vulnerable to changes in the social environment. Finally, to demonstrate the feasibility of the proposed model, we present numerical examples illustrating the features of its variables across three types of models.