payment behavioral model next best offer next best action risk based pricing telco score geo score retention model consumer brand model price sensitivity default probability pre-scoring sentiment analysis financial health care model malware detection anti fraud analysis device finger printing score voice analysis predict volume of bonds trading and implied volatility modeling predicting market crashes financial forecasting challenge sentiment from financial statements predict home credit default predict transaction amount social web mining fraudulent behavior geo location model geo social circle 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