@article{article_1711135, title={Customer Churn Determinants in International Turkish Banking Operations: Statistical Analysis and Strategic Implications from a Multi-Market Case Study}, journal={Sosyal Mucit Academic Review}, volume={6}, pages={336–361}, year={2025}, DOI={10.54733/smar.1711135}, author={Balcıoğlu, Yavuz Selim and Güven, Ejder and Bayraktar, Ümit}, keywords={müşteri tutundurma, bankacılık sektörü, müşteri kaybı tahmini, şikâyet yönetimi, dijital dönüşüm}, abstract={Customer retention presents critical challenges for Turkish banking institutions operating in international markets, where cultural differences, regulatory variations, and competitive dynamics create complex customer relationship management requirements. This study examines customer churn determinants through statistical analysis of 10,000 customer records from a Turkish bank’s European operations across Germany, France, and Spain. Using comprehensive segmentation analysis and correlation techniques, the research identifies four primary churn drivers: complaint resolution failures, age-related service gaps, geographic market disparities, and account inactivity patterns. The overall churn rate stands at 20.38%, with complaint status being the strongest predictor (r = 0.996). Notably, 99.51% of customers who file complaints eventually leave their bank. Age is the second most significant factor (r = 0.285), with churn increasing from 7.52% among customers aged 18-30 to 44.65% for those over 50. Geographic trends show German customers have a much higher churn rate (32.44%) than French (16.17%) and Spanish (16.67%) clients. Inactivity also signals risk, as inactive users are 88% more likely to leave. These findings challenge traditional retention strategies focused mainly on transactional benefits. Instead, they highlight urgent gaps in complaint resolution, age-specific services, and culturally tailored approaches. To reduce churn, Turkish banks must shift from reactive measures to proactive customer relationship management, including effective complaint handling, personalized services, and early warning systems. This approach offers a clear roadmap for improving loyalty and competitive edge in Turkey’s dynamic banking environment.}, number={3}, publisher={Erhan AYDIN}