Mid term project

Varun Sarma Devella, Jun Fang

10/18/2019

Research Question

#####What makes a client subscribe for a term deposit

Results.

A student or a retired person or an admin job holder who have been contacted atleast 1 in 768 days and on their cellular phone, when the eorubor rate is lower.
People above age 40.
Customer should be contacted frequesntly atleast once in a year.
Lower euribor3M attract term deposit.
Costomers prefer cellular contact.
Administrative job holders are the majority to contact but the retired and the students are the people whom should be contacted the most.

Data Summary:

The data considered for this research is a bank’s data and the summary statistics are as mentioned below:

##       age                 job            marital     
##  Min.   :17.00   admin.     :10422   divorced: 4612  
##  1st Qu.:32.00   blue-collar: 9254   married :24928  
##  Median :38.00   technician : 6743   single  :11568  
##  Mean   :40.02   services   : 3969   unknown :   80  
##  3rd Qu.:47.00   management : 2924                   
##  Max.   :98.00   retired    : 1720                   
##                  (Other)    : 6156                   
##                education        default         housing     
##  university.degree  :12168   no     :32588   no     :18622  
##  high.school        : 9515   unknown: 8597   unknown:  990  
##  basic.9y           : 6045   yes    :    3   yes    :21576  
##  professional.course: 5243                                  
##  basic.4y           : 4176                                  
##  basic.6y           : 2292                                  
##  (Other)            : 1749                                  
##       loan            contact          month       day_of_week
##  no     :33950   cellular :26144   may    :13769   fri:7827   
##  unknown:  990   telephone:15044   jul    : 7174   mon:8514   
##  yes    : 6248                     aug    : 6178   thu:8623   
##                                    jun    : 5318   tue:8090   
##                                    nov    : 4101   wed:8134   
##                                    apr    : 2632              
##                                    (Other): 2016              
##     duration         campaign          pdays          previous    
##  Min.   :   0.0   Min.   : 1.000   Min.   :  0.0   Min.   :0.000  
##  1st Qu.: 102.0   1st Qu.: 1.000   1st Qu.:999.0   1st Qu.:0.000  
##  Median : 180.0   Median : 2.000   Median :999.0   Median :0.000  
##  Mean   : 258.3   Mean   : 2.568   Mean   :962.5   Mean   :0.173  
##  3rd Qu.: 319.0   3rd Qu.: 3.000   3rd Qu.:999.0   3rd Qu.:0.000  
##  Max.   :4918.0   Max.   :56.000   Max.   :999.0   Max.   :7.000  
##                                                                   
##         poutcome      emp.var.rate      cons.price.idx  cons.conf.idx  
##  failure    : 4252   Min.   :-3.40000   Min.   :92.20   Min.   :-50.8  
##  nonexistent:35563   1st Qu.:-1.80000   1st Qu.:93.08   1st Qu.:-42.7  
##  success    : 1373   Median : 1.10000   Median :93.75   Median :-41.8  
##                      Mean   : 0.08189   Mean   :93.58   Mean   :-40.5  
##                      3rd Qu.: 1.40000   3rd Qu.:93.99   3rd Qu.:-36.4  
##                      Max.   : 1.40000   Max.   :94.77   Max.   :-26.9  
##                                                                        
##    euribor3m      nr.employed     y        
##  Min.   :0.634   Min.   :4964   no :36548  
##  1st Qu.:1.344   1st Qu.:5099   yes: 4640  
##  Median :4.857   Median :5191              
##  Mean   :3.621   Mean   :5167              
##  3rd Qu.:4.961   3rd Qu.:5228              
##  Max.   :5.045   Max.   :5228              
##

Data Analysis:

The data has many variables categorical and numerical
we have considered 2 tests i.e. The t-test and chi-square test.
Consideraing Alpha for all the tests as 0.01.

T- Test

Y vs age
## 
##  Welch Two Sample t-test
## 
## data:  bank$age by bank$y
## t = -4.7795, df = 5258.5, p-value = 1.805e-06
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
##  -1.4129336 -0.5909889
## sample estimates:
##  mean in group no mean in group yes 
##          39.91119          40.91315
Comments:
There is a significant difference between the 2 groups
The mean of the age of who do not deposit is less than people who deposite
Y vs duration
## 
##  Welch Two Sample t-test
## 
## data:  bank$duration by bank$y
## t = -55.5, df = 4957.5, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
##  -344.0859 -320.6068
## sample estimates:
##  mean in group no mean in group yes 
##          220.8448          553.1912
Comments :
There is a significant difference between the 2 groups
The mean duration time spent on call with the customer who opens a term deposit is more than the customer who does not.
Y vs Campaign
## 
##  Welch Two Sample t-test
## 
## data:  bank$campaign by bank$y
## t = 20.249, df = 8646.8, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
##  0.5250825 0.6376397
## sample estimates:
##  mean in group no mean in group yes 
##          2.633085          2.051724
Comments:
There is a significant difference between the 2 groups
The mean of compaign of customer who does no deposit is greater than the mean of campaign who deposits.
Y vs Pdays
## 
##  Welch Two Sample t-test
## 
## data:  bank$pdays by bank$y
## t = 32.251, df = 4744.9, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
##  180.4023 203.7544
## sample estimates:
##  mean in group no mean in group yes 
##          984.1139          792.0356
Comments:
there is a significant difference between the two groups.
the mean of the pdays of no deposit is greater than the mean of deposit.
Y vs previous
## 
##  Welch Two Sample t-test
## 
## data:  bank$previous by bank$y
## t = -28.126, df = 4908.8, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
##  -0.3854126 -0.3351845
## sample estimates:
##  mean in group no mean in group yes 
##         0.1323739         0.4926724
Comments:
there is a significant difference between the two groups.
the mean of previous of no deposit is less than the mean of deposit.
Y vs emp.var.rate
## 
##  Welch Two Sample t-test
## 
## data:  bank$emp.var.rate by bank$y
## t = 59.137, df = 5665.6, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
##  1.433185 1.531463
## sample estimates:
##  mean in group no mean in group yes 
##         0.2488755        -1.2334483
Comments:
there is a significant difference between the two groups.
the mean of emp.var.rate of no deposit is greater than the mean of deposit.
Y vs cons.price
## 
##  Welch Two Sample t-test
## 
## data:  bank$cons.price.idx by bank$y
## t = 24.082, df = 5472.5, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
##  0.2290714 0.2696708
## sample estimates:
##  mean in group no mean in group yes 
##          93.60376          93.35439
Comments:
there is a significant difference between the two groups.
the mean of con.price of no deposit is better than the mean of deposit.
Y vs cons.conf.idx
## 
##  Welch Two Sample t-test
## 
## data:  bank$cons.conf.idx by bank$y
## t = -8.6365, df = 5258.3, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
##  -0.9856585 -0.6209660
## sample estimates:
##  mean in group no mean in group yes 
##         -40.59310         -39.78978
Comments:
there is a significant difference between the two groups.
the mean of con.conf.idx of no deposit is less than the mean of deposit.
Y vs euribor3m
## 
##  Welch Two Sample t-test
## 
## data:  bank$euribor3m by bank$y
## t = 62.58, df = 5729.2, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
##  1.635467 1.741246
## sample estimates:
##  mean in group no mean in group yes 
##          3.811491          2.123135
Comments:
there is a significant difference between the two groups.
the mean of euribor3m of no deposit is greater than the mean of deposit.
Y vs nr.employed
## 
##  Welch Two Sample t-test
## 
## data:  bank$nr.employed by bank$y
## t = 60.975, df = 5298.3, p-value < 2.2e-16
## alternative hypothesis: true difference in means is not equal to 0
## 95 percent confidence interval:
##  78.44475 83.65647
## sample estimates:
##  mean in group no mean in group yes 
##          5176.167          5095.116
Comments:
There is a significant difference between the two groups.
the mean of nr.employed of no deposit is greater than the mean of deposit.

Chi-square test

Y vs job
## 
##  
##    Cell Contents
## |-------------------------|
## |                       N |
## | Chi-square contribution |
## |           N / Row Total |
## |           N / Col Total |
## |         N / Table Total |
## |-------------------------|
## 
##  
## Total Observations in Table:  41188 
## 
##  
##               | bank$y 
##      bank$job |        no |       yes | Row Total | 
## --------------|-----------|-----------|-----------|
##        admin. |      9070 |      1352 |     10422 | 
##               |     3.423 |    26.961 |           | 
##               |     0.870 |     0.130 |     0.253 | 
##               |     0.248 |     0.291 |           | 
##               |     0.220 |     0.033 |           | 
## --------------|-----------|-----------|-----------|
##   blue-collar |      8616 |       638 |      9254 | 
##               |    19.926 |   156.951 |           | 
##               |     0.931 |     0.069 |     0.225 | 
##               |     0.236 |     0.138 |           | 
##               |     0.209 |     0.015 |           | 
## --------------|-----------|-----------|-----------|
##  entrepreneur |      1332 |       124 |      1456 | 
##               |     1.240 |     9.767 |           | 
##               |     0.915 |     0.085 |     0.035 | 
##               |     0.036 |     0.027 |           | 
##               |     0.032 |     0.003 |           | 
## --------------|-----------|-----------|-----------|
##     housemaid |       954 |       106 |      1060 | 
##               |     0.191 |     1.507 |           | 
##               |     0.900 |     0.100 |     0.026 | 
##               |     0.026 |     0.023 |           | 
##               |     0.023 |     0.003 |           | 
## --------------|-----------|-----------|-----------|
##    management |      2596 |       328 |      2924 | 
##               |     0.001 |     0.006 |           | 
##               |     0.888 |     0.112 |     0.071 | 
##               |     0.071 |     0.071 |           | 
##               |     0.063 |     0.008 |           | 
## --------------|-----------|-----------|-----------|
##       retired |      1286 |       434 |      1720 | 
##               |    37.814 |   297.849 |           | 
##               |     0.748 |     0.252 |     0.042 | 
##               |     0.035 |     0.094 |           | 
##               |     0.031 |     0.011 |           | 
## --------------|-----------|-----------|-----------|
## self-employed |      1272 |       149 |      1421 | 
##               |     0.097 |     0.767 |           | 
##               |     0.895 |     0.105 |     0.035 | 
##               |     0.035 |     0.032 |           | 
##               |     0.031 |     0.004 |           | 
## --------------|-----------|-----------|-----------|
##      services |      3646 |       323 |      3969 | 
##               |     4.375 |    34.458 |           | 
##               |     0.919 |     0.081 |     0.096 | 
##               |     0.100 |     0.070 |           | 
##               |     0.089 |     0.008 |           | 
## --------------|-----------|-----------|-----------|
##       student |       600 |       275 |       875 | 
##               |    40.090 |   315.775 |           | 
##               |     0.686 |     0.314 |     0.021 | 
##               |     0.016 |     0.059 |           | 
##               |     0.015 |     0.007 |           | 
## --------------|-----------|-----------|-----------|
##    technician |      6013 |       730 |      6743 | 
##               |     0.147 |     1.156 |           | 
##               |     0.892 |     0.108 |     0.164 | 
##               |     0.165 |     0.157 |           | 
##               |     0.146 |     0.018 |           | 
## --------------|-----------|-----------|-----------|
##    unemployed |       870 |       144 |      1014 | 
##               |     0.985 |     7.758 |           | 
##               |     0.858 |     0.142 |     0.025 | 
##               |     0.024 |     0.031 |           | 
##               |     0.021 |     0.003 |           | 
## --------------|-----------|-----------|-----------|
##       unknown |       293 |        37 |       330 | 
##               |     0.000 |     0.001 |           | 
##               |     0.888 |     0.112 |     0.008 | 
##               |     0.008 |     0.008 |           | 
##               |     0.007 |     0.001 |           | 
## --------------|-----------|-----------|-----------|
##  Column Total |     36548 |      4640 |     41188 | 
##               |     0.887 |     0.113 |           | 
## --------------|-----------|-----------|-----------|
## 
##  
## Statistics for All Table Factors
## 
## 
## Pearson's Chi-squared test 
## ------------------------------------------------------------
## Chi^2 =  961.2424     d.f. =  11     p =  4.189763e-199 
## 
## 
##
Comments:
There is a dependency between job and term deposits.
students and retired people are more likely to open a term deposit account

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Y vs marital status
## 
##  
##    Cell Contents
## |-------------------------|
## |                       N |
## | Chi-square contribution |
## |           N / Row Total |
## |           N / Col Total |
## |         N / Table Total |
## |-------------------------|
## 
##  
## Total Observations in Table:  41188 
## 
##  
##              | bank$y 
## bank$marital |        no |       yes | Row Total | 
## -------------|-----------|-----------|-----------|
##     divorced |      4136 |       476 |      4612 | 
##              |     0.464 |     3.652 |           | 
##              |     0.897 |     0.103 |     0.112 | 
##              |     0.113 |     0.103 |           | 
##              |     0.100 |     0.012 |           | 
## -------------|-----------|-----------|-----------|
##      married |     22396 |      2532 |     24928 | 
##              |     3.450 |    27.174 |           | 
##              |     0.898 |     0.102 |     0.605 | 
##              |     0.613 |     0.546 |           | 
##              |     0.544 |     0.061 |           | 
## -------------|-----------|-----------|-----------|
##       single |      9948 |      1620 |     11568 | 
##              |     9.778 |    77.021 |           | 
##              |     0.860 |     0.140 |     0.281 | 
##              |     0.272 |     0.349 |           | 
##              |     0.242 |     0.039 |           | 
## -------------|-----------|-----------|-----------|
##      unknown |        68 |        12 |        80 | 
##              |     0.126 |     0.990 |           | 
##              |     0.850 |     0.150 |     0.002 | 
##              |     0.002 |     0.003 |           | 
##              |     0.002 |     0.000 |           | 
## -------------|-----------|-----------|-----------|
## Column Total |     36548 |      4640 |     41188 | 
##              |     0.887 |     0.113 |           | 
## -------------|-----------|-----------|-----------|
## 
##  
## Statistics for All Table Factors
## 
## 
## Pearson's Chi-squared test 
## ------------------------------------------------------------
## Chi^2 =  122.6552     d.f. =  3     p =  2.068015e-26 
## 
## 
##
Comments:
There is a dependency between marital and term deposits.
Although there is a dependency, all marital status have a similar response to term deposits.

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Y vs education
## Warning in chisq.test(t, correct = FALSE, ...): Chi-squared approximation
## may be incorrect
## 
##  
##    Cell Contents
## |-------------------------|
## |                       N |
## | Chi-square contribution |
## |           N / Row Total |
## |           N / Col Total |
## |         N / Table Total |
## |-------------------------|
## 
##  
## Total Observations in Table:  41188 
## 
##  
##                     | bank$y 
##      bank$education |        no |       yes | Row Total | 
## --------------------|-----------|-----------|-----------|
##            basic.4y |      3748 |       428 |      4176 | 
##                     |     0.486 |     3.829 |           | 
##                     |     0.898 |     0.102 |     0.101 | 
##                     |     0.103 |     0.092 |           | 
##                     |     0.091 |     0.010 |           | 
## --------------------|-----------|-----------|-----------|
##            basic.6y |      2104 |       188 |      2292 | 
##                     |     2.423 |    19.088 |           | 
##                     |     0.918 |     0.082 |     0.056 | 
##                     |     0.058 |     0.041 |           | 
##                     |     0.051 |     0.005 |           | 
## --------------------|-----------|-----------|-----------|
##            basic.9y |      5572 |       473 |      6045 | 
##                     |     8.065 |    63.527 |           | 
##                     |     0.922 |     0.078 |     0.147 | 
##                     |     0.152 |     0.102 |           | 
##                     |     0.135 |     0.011 |           | 
## --------------------|-----------|-----------|-----------|
##         high.school |      8484 |      1031 |      9515 | 
##                     |     0.198 |     1.561 |           | 
##                     |     0.892 |     0.108 |     0.231 | 
##                     |     0.232 |     0.222 |           | 
##                     |     0.206 |     0.025 |           | 
## --------------------|-----------|-----------|-----------|
##          illiterate |        14 |         4 |        18 | 
##                     |     0.244 |     1.918 |           | 
##                     |     0.778 |     0.222 |     0.000 | 
##                     |     0.000 |     0.001 |           | 
##                     |     0.000 |     0.000 |           | 
## --------------------|-----------|-----------|-----------|
## professional.course |      4648 |       595 |      5243 | 
##                     |     0.004 |     0.032 |           | 
##                     |     0.887 |     0.113 |     0.127 | 
##                     |     0.127 |     0.128 |           | 
##                     |     0.113 |     0.014 |           | 
## --------------------|-----------|-----------|-----------|
##   university.degree |     10498 |      1670 |     12168 | 
##                     |     8.292 |    65.317 |           | 
##                     |     0.863 |     0.137 |     0.295 | 
##                     |     0.287 |     0.360 |           | 
##                     |     0.255 |     0.041 |           | 
## --------------------|-----------|-----------|-----------|
##             unknown |      1480 |       251 |      1731 | 
##                     |     2.041 |    16.079 |           | 
##                     |     0.855 |     0.145 |     0.042 | 
##                     |     0.040 |     0.054 |           | 
##                     |     0.036 |     0.006 |           | 
## --------------------|-----------|-----------|-----------|
##        Column Total |     36548 |      4640 |     41188 | 
##                     |     0.887 |     0.113 |           | 
## --------------------|-----------|-----------|-----------|
## 
##  
## Statistics for All Table Factors
## 
## 
## Pearson's Chi-squared test 
## ------------------------------------------------------------
## Chi^2 =  193.1059     d.f. =  7     p =  3.305189e-38 
## 
## 
##
Comments:
There is a dependency between qualification and term deposits.
Although there is a dependency, all education levels have a similar response to term deposits.

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Y vs Default:
## Warning in chisq.test(t, correct = FALSE, ...): Chi-squared approximation
## may be incorrect
## 
##  
##    Cell Contents
## |-------------------------|
## |                       N |
## | Chi-square contribution |
## |           N / Row Total |
## |           N / Col Total |
## |         N / Table Total |
## |-------------------------|
## 
##  
## Total Observations in Table:  41188 
## 
##  
##              | bank$y 
## bank$default |        no |       yes | Row Total | 
## -------------|-----------|-----------|-----------|
##           no |     28391 |      4197 |     32588 | 
##              |     9.562 |    75.315 |           | 
##              |     0.871 |     0.129 |     0.791 | 
##              |     0.777 |     0.905 |           | 
##              |     0.689 |     0.102 |           | 
## -------------|-----------|-----------|-----------|
##      unknown |      8154 |       443 |      8597 | 
##              |    36.198 |   285.122 |           | 
##              |     0.948 |     0.052 |     0.209 | 
##              |     0.223 |     0.095 |           | 
##              |     0.198 |     0.011 |           | 
## -------------|-----------|-----------|-----------|
##          yes |         3 |         0 |         3 | 
##              |     0.043 |     0.338 |           | 
##              |     1.000 |     0.000 |     0.000 | 
##              |     0.000 |     0.000 |           | 
##              |     0.000 |     0.000 |           | 
## -------------|-----------|-----------|-----------|
## Column Total |     36548 |      4640 |     41188 | 
##              |     0.887 |     0.113 |           | 
## -------------|-----------|-----------|-----------|
## 
##  
## Statistics for All Table Factors
## 
## 
## Pearson's Chi-squared test 
## ------------------------------------------------------------
## Chi^2 =  406.5775     d.f. =  2     p =  5.161958e-89 
## 
## 
##
Comments:
There is a dependency between having a credit default and Y
The person who defaulted is less likely to open a term deposit account.
ggplot(data = bank)+geom_bar(aes(x = y,fill=as.factor(default)))+
  ggtitle(label = "Barplot of Y vs default")

theme_bw()
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Y vs housing:
## 
##  
##    Cell Contents
## |-------------------------|
## |                       N |
## | Chi-square contribution |
## |           N / Row Total |
## |           N / Col Total |
## |         N / Table Total |
## |-------------------------|
## 
##  
## Total Observations in Table:  41188 
## 
##  
##              | bank$y 
## bank$housing |        no |       yes | Row Total | 
## -------------|-----------|-----------|-----------|
##           no |     16596 |      2026 |     18622 | 
##              |     0.312 |     2.461 |           | 
##              |     0.891 |     0.109 |     0.452 | 
##              |     0.454 |     0.437 |           | 
##              |     0.403 |     0.049 |           | 
## -------------|-----------|-----------|-----------|
##      unknown |       883 |       107 |       990 | 
##              |     0.023 |     0.184 |           | 
##              |     0.892 |     0.108 |     0.024 | 
##              |     0.024 |     0.023 |           | 
##              |     0.021 |     0.003 |           | 
## -------------|-----------|-----------|-----------|
##          yes |     19069 |      2507 |     21576 | 
##              |     0.305 |     2.400 |           | 
##              |     0.884 |     0.116 |     0.524 | 
##              |     0.522 |     0.540 |           | 
##              |     0.463 |     0.061 |           | 
## -------------|-----------|-----------|-----------|
## Column Total |     36548 |      4640 |     41188 | 
##              |     0.887 |     0.113 |           | 
## -------------|-----------|-----------|-----------|
## 
##  
## Statistics for All Table Factors
## 
## 
## Pearson's Chi-squared test 
## ------------------------------------------------------------
## Chi^2 =  5.684496     d.f. =  2     p =  0.05829448 
## 
## 
##
Comments:
There is no dependency
Y vs loan:
## 
##  
##    Cell Contents
## |-------------------------|
## |                       N |
## | Chi-square contribution |
## |           N / Row Total |
## |           N / Col Total |
## |         N / Table Total |
## |-------------------------|
## 
##  
## Total Observations in Table:  41188 
## 
##  
##              | bank$y 
##    bank$loan |        no |       yes | Row Total | 
## -------------|-----------|-----------|-----------|
##           no |     30100 |      3850 |     33950 | 
##              |     0.021 |     0.169 |           | 
##              |     0.887 |     0.113 |     0.824 | 
##              |     0.824 |     0.830 |           | 
##              |     0.731 |     0.093 |           | 
## -------------|-----------|-----------|-----------|
##      unknown |       883 |       107 |       990 | 
##              |     0.023 |     0.184 |           | 
##              |     0.892 |     0.108 |     0.024 | 
##              |     0.024 |     0.023 |           | 
##              |     0.021 |     0.003 |           | 
## -------------|-----------|-----------|-----------|
##          yes |      5565 |       683 |      6248 | 
##              |     0.079 |     0.618 |           | 
##              |     0.891 |     0.109 |     0.152 | 
##              |     0.152 |     0.147 |           | 
##              |     0.135 |     0.017 |           | 
## -------------|-----------|-----------|-----------|
## Column Total |     36548 |      4640 |     41188 | 
##              |     0.887 |     0.113 |           | 
## -------------|-----------|-----------|-----------|
## 
##  
## Statistics for All Table Factors
## 
## 
## Pearson's Chi-squared test 
## ------------------------------------------------------------
## Chi^2 =  1.094028     d.f. =  2     p =  0.5786753 
## 
## 
##
Comments:
There is no dependency
Y vs contact:
## 
##  
##    Cell Contents
## |-------------------------|
## |                       N |
## | Chi-square contribution |
## |           N / Row Total |
## |           N / Col Total |
## |         N / Table Total |
## |-------------------------|
## 
##  
## Total Observations in Table:  41188 
## 
##  
##              | bank$y 
## bank$contact |        no |       yes | Row Total | 
## -------------|-----------|-----------|-----------|
##     cellular |     22291 |      3853 |     26144 | 
##              |    35.521 |   279.790 |           | 
##              |     0.853 |     0.147 |     0.635 | 
##              |     0.610 |     0.830 |           | 
##              |     0.541 |     0.094 |           | 
## -------------|-----------|-----------|-----------|
##    telephone |     14257 |       787 |     15044 | 
##              |    61.730 |   486.229 |           | 
##              |     0.948 |     0.052 |     0.365 | 
##              |     0.390 |     0.170 |           | 
##              |     0.346 |     0.019 |           | 
## -------------|-----------|-----------|-----------|
## Column Total |     36548 |      4640 |     41188 | 
##              |     0.887 |     0.113 |           | 
## -------------|-----------|-----------|-----------|
## 
##  
## Statistics for All Table Factors
## 
## 
## Pearson's Chi-squared test 
## ------------------------------------------------------------
## Chi^2 =  863.2691     d.f. =  1     p =  9.481264e-190 
## 
## Pearson's Chi-squared test with Yates' continuity correction 
## ------------------------------------------------------------
## Chi^2 =  862.3184     d.f. =  1     p =  1.525986e-189 
## 
##
Comments
There is a significant relation
people who have been contacted on cellular phones have almost 10 % more depositors.

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Y vs day of week
## 
##  
##    Cell Contents
## |-------------------------|
## |                       N |
## | Chi-square contribution |
## |           N / Row Total |
## |           N / Col Total |
## |         N / Table Total |
## |-------------------------|
## 
##  
## Total Observations in Table:  41188 
## 
##  
##                  | bank$y 
## bank$day_of_week |        no |       yes | Row Total | 
## -----------------|-----------|-----------|-----------|
##              fri |      6981 |       846 |      7827 | 
##                  |     0.184 |     1.449 |           | 
##                  |     0.892 |     0.108 |     0.190 | 
##                  |     0.191 |     0.182 |           | 
##                  |     0.169 |     0.021 |           | 
## -----------------|-----------|-----------|-----------|
##              mon |      7667 |       847 |      8514 | 
##                  |     1.664 |    13.111 |           | 
##                  |     0.901 |     0.099 |     0.207 | 
##                  |     0.210 |     0.183 |           | 
##                  |     0.186 |     0.021 |           | 
## -----------------|-----------|-----------|-----------|
##              thu |      7578 |      1045 |      8623 | 
##                  |     0.708 |     5.574 |           | 
##                  |     0.879 |     0.121 |     0.209 | 
##                  |     0.207 |     0.225 |           | 
##                  |     0.184 |     0.025 |           | 
## -----------------|-----------|-----------|-----------|
##              tue |      7137 |       953 |      8090 | 
##                  |     0.241 |     1.901 |           | 
##                  |     0.882 |     0.118 |     0.196 | 
##                  |     0.195 |     0.205 |           | 
##                  |     0.173 |     0.023 |           | 
## -----------------|-----------|-----------|-----------|
##              wed |      7185 |       949 |      8134 | 
##                  |     0.148 |     1.165 |           | 
##                  |     0.883 |     0.117 |     0.197 | 
##                  |     0.197 |     0.205 |           | 
##                  |     0.174 |     0.023 |           | 
## -----------------|-----------|-----------|-----------|
##     Column Total |     36548 |      4640 |     41188 | 
##                  |     0.887 |     0.113 |           | 
## -----------------|-----------|-----------|-----------|
## 
##  
## Statistics for All Table Factors
## 
## 
## Pearson's Chi-squared test 
## ------------------------------------------------------------
## Chi^2 =  26.14494     d.f. =  4     p =  2.958482e-05 
## 
## 
##
Comments:
There is a significant relation
Although there is not much difference in the relative risks.

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