TY JOUR TI IMPROVING CONSUMER LENDING MODEL CLIENTS KW retail banking KW loyalty marketing KW CRM-strategy KW individual approach to the client JO Bulletin of Belgorod State Technological University named after. V. G. Shukhov AU Lycheva , I.. AU Molchanova , V.. PY 2017 IS 2 PB Belgorod State Technological University named after V.G. Shukhov