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White Papers

  • An Overview of the CART® Methodology
    Product: CART
    Summary: A brief introduction and overview of the methodology.
  • Technical Note for Statisticians
    Product: CART
    Summary: Some technical aspects of CART® analyses are of special interest to statisticians; we list the most important ones here.
  • Do Splitting Rules Really Matter?
    Product: CART
    Summary: Contrary to popular opinion in data mining circles, our experience indicates that splitting criteria do matter; in fact, that the difference between using the right rule and the wrong rule could add up to millions of dollars of lost opportunity.
  • An Overview of MARS®
    Product: MARS
    Summary: What is "MARS"? MARS is a multivariate non-parametric regression procedure introduced in 1991 by world-renowned Stanford statistician and physicist, Jerome Friedman. Learn more here.
  • Improving Data Mining With New Hybrid Methods
    Products: CART, Logit
    Summary: We introduce a new method for combining CART and logit, which exhibits performance advantages, and admits of a natural set of statistical evaluation tests.
  • The Hybrid CART-Logit Model in Classification and Data Mining
    Products: CART, Logit
    Summary: How do you get all you can from your data mining projects?
  • Forecasting Recessions: Can We Do Better on MARS?
    Product: MARS
    Summary: This paper is to revisit the information contained in the financial variables using non-linear, nonparametric methods, in particular MARS (Multivariate Adaptive Regression Splines) for the purpose of forecasting regression.
  • Shares, Bonds, or Cash? Asset allocation in the new economy, using CART
    Product: CART
    Summary: How an Australian stock brokerage is using CART to optimize allocation of investments.
    For a copy of this paper, send an email to This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
  • Critical Features of High-Performance Decision Trees
    Product: CART
    Summary: Reviews some key features of decision trees that any informed analyst should be thinking about when choosing this kind of data mining tool for important data analyses.
  • Statistical Process Analysis of Medical Incidents
    by Norio Suzuki, Sojiro Kirihara, and Atsushi Ootaki of Meiji University, Japan
    Product: CART
    Summary: Describes the application of statistical process analysis and control to continual improvement in medical care. 
  • Data Mining Approaches to Modeling Insurance Risk
    by Inna Kolyshkina and Richard Brookes of PricewaterhouseCoopers
    Products: CART, MARS
    Summary: Discusses the use of some data mining techniques in insurance and presents two case studies illustrating the application of classification and regression trees (CART), multivariate adaptive regression splines (MARS), and hybrid models.
  • CART®, MARS®, TreeNet®, and Neural Networks
    Products: CART, MARS, TreeNet
    Summary: An overview of how CART, MARS, and TreeNet® can be of value.
  • Data Warehousing and Data Mining
    Product: CART
    Summary: If you have managed to construct a data warehouse, you now have corporate and operational data organized to support informed decision making. The challenge is to find effective ways to analyze those data so as to extract valuable information.
  • Customer Relationship Management and Data Mining
    Products: CART, MARS
    Summary: Every successful marketing enterprise devotes considerable effort to customer relationship management (CRM).
  • Martian Chronicles: Is MARS better than Neural Networks?
    by Louise Francis, FCAS, MAAA
    Product: MARS
    Summary: Introduces MARS by showing its similarity to linear regression, and then applying it to insurance fraud data. It then compares its performance to that of neural networks.