For negative merchant transactions, providing there are enough transactions - these can be imputed by mean.
If there are too few of these transactions - then it should be imputed by mean of the overall merchant spending distribution. As these are roughly normally distributed.
Positive merchant transactions are usually fixed salary payments - so the mode is taken.
For personal transactions, the mode is imputed based on previous history of transactions between the 2 accounts numbers.
There are 2 resulting edge cases which should be dropped.
Key findings: