Within the financial services industry today, most decisions on how to deal with consumers are made automatically by computerized decision making systems. At the heart of these systems lie mathematically derived forecasting models. These use information about people and their past behavior, to predict how people are likely to behave in the future. For example, who is likely to repay a loan, who will respond to a mail shot and the likelihood that someone will claim on their household insurance policy. Decisions about how to treat people are then made on the basis of the predictions calculated by the system. This book provides a stepbystep guide to how the forecasting models used by the worlds leading financial institutions are developed and deployed. It covers all stages involved in the construction of such a model, including project management, data collection, sampling, data preprocessing, model construction, validation, implementation and postimplementation monitoring of the model's performance.

Part 1:Dossier Energy and development 1. Energy and development 2. Towards global energy governance : how to patch the patchwork 3. Energy security and sub-Saharan Africa 4. Old wine in new bottles? : does climate policy determine bilateral development aid for renewable energy and energy efficiency? 5. Challenges in the energy sector in Eastern Europe and Central Asia : an evaluation of 18 years of Swiss economic cooperation 6. Indian energy policy and strategy : pre- and post-Copenhagen 2009 7. Pay to preserve : the global politics of Ecuador's Yasuní-Itt proposal Part 2. Review Major development policy trends 8. Advancing sustainable development in global trade and multilateral negotiations 9. Aspects of development financing after the financial and economic crisis 10.Migration and development : the policies of China and India with regard to their overseas communities Infographic section Energy and development Development policy trends. Index