pyment behavioral model next best offer next best action risk based pricing telco score geo score retention model consumer brand model price sensitivity sentiment analysis financial health care model malware detection antifrand analysis device finger printing score geo location model geo social circle model model prediction of Energy price based on weather weather model prediction of future incident based on voice analysis entertainment model analysis of prescription and medical compliance epidemiology analysis hereditary predisposition model social interaction score people interaction model social network scoring model personal medical model personal fitness score cancer prediction prediction of application stability issue prediction of operation disaster