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# Century Bank

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Submitted By stevenw
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Using the Century National Bank data set, Learning Team A researched the usage of ATM’s by the account holders whom possessed debit cards versus those whom use services offered in some of the bank locations. Foreseeing and predicting some of the trends that are normally seen in the banking industry can be seen by using the linear regression analysis. With this research, our learning team formulated a hypothesis statement. A regression hypothesis test was used on the data set, and the results were shown. This will also determine if whether there is a positive or negative relationship between the independent and dependent variables. The results were used to create a scatter graph for a visual of the linear regression analysis. To determine if the amount of accounts served affects how much the automatic teller machine (ATM) is used versus use of the services offered by staff members, Learning Team D continued use of the bank data set from two bank locations, bank two and bank four. Learning Team D used Doane’s rule for the hypothesis statement with the number of accounts being n and the locations being k since the hypothesis statement required linear regression analysis for testing.
H0, represents the null hypothesis in this research study i.e. that the ATM usage is not affected by the number of accounts serviced. As an alternative hypothesis, H1, postulates that the amount of ATM usage is not affected by the number of accounts serviced. Doane’s rule is n/k ≥ 5. Learning Team D tested these hypothesis statements by using a linear regression analysis. As stated in Doane and Seward (2007), “Technically, a regression is possible as long as the sample size exceeds the number of predictors. But when n/k is small, the R2 no longer gives a reliable indication of fit. Sometimes, researchers must work with small samples that cannot be enlarged.”

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