Customer relationship groups

There are 4-customer relationship group:

1) Butterflies: are profitable but not loyal example is stock market investors.

2) True friends: are both profitable and loyal.

3) Strangers: have low profitability and are not loyal.

4) Barnacles: are highly loyal but not very profitable example are smaller bank customers.

From all four, barnacles are the most problematic because they are not profitable and are long-term customers, which do not generate enough returns to cover the costs.

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