Customer group analysis, credit scoring model, transaction monitoring. 1. Customer group analysis: By classifying customer groups, we can understand the risk levels of different groups and formulate corresponding risk control strategies.

2. Credit scoring model: Use the credit scoring model to evaluate the credit risk of the credit card applicant to decide whether to approve the credit card application.

3. Transaction monitoring: Through real-time monitoring of cardholders’ transaction data, abnormal transaction behaviors, such as large-value transactions, frequent transactions, etc., can be discovered in a timely manner and risk warnings can be carried out.