A guide on how Predictive Analytics is applied & widely used by organizations such as banks, insurance providers, supermarkets & governments to drive the decisions they make about their customers, demonstrating who to target with a promotional offer, who to give a credit card to & the premium someone should pay for home insurance. ...

Every year, financial services organizations make billions of dollars worth of decisions using automated systems. For example, who to give a credit card too & the premium someone should pay for their home insurance. This book explains how the forecasting models, that lie at the heart of these systems, are developed & deployed. ...

This book presents the state-of-the-art with respect to credit risk evaluation & pricing within the contemporary global banking & financial system. It focuses on credit pricing in illiquid, liquid & hybrid markets. No one with any connection to the credit management business will be able to do without it. ...

Section 215 of the FACT Act (FACTA)1 requires the Federal Trade Commission (FTC or the Commission) & the Federal Reserve Board (FRB), in consultation with the Department of Housing & Urban Development, to study whether credit scores & credit-based insurance scores affect the availability & affordability of consumer credit. ...

Supernatural horror in which five friends stir up a deadly force from the past. Evicted from their flat, five students looking for the ultimate party space seek shelter in an abandoned Catholic hall of residence. Six years previously, a group of theology students committed ritual suicide in the building following their invocation of a demon. Determined to find out more about the past events, the five conduct a seance to contact the spirits of the dead students, but in doing so they only reawaken the malevolent spirit responsible. ...