Business Analytics Quiz
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TOOLS, COMMUNICATION, AND DELIVERY
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A bank develops a model that predicts whether an existing customer will miss a payment in the next month. The modeling data contain one row per monthly customer snapshot, so the same customer can appear many times. The bank randomly divides rows into training and test sets. Customer income and account behavior are fairly stable across adjacent months, and test performance is much higher than performance after deployment.
Which change would most directly address the likely evaluation pitfall?
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