Abstract: Aspects of the present disclosure provide techniques for intelligently presenting targeted offers to a user of a software application. Embodiments include receiving received request from a user of the software application to access a portion of the software application. Using a predictive model, a predictive score is generated for the user. The predictive model generally may be a model trained using user account data reduced into n-tuples of predictive attributes representative of a plurality of users, correlated with clickstream data associated with the plurality of users indicating whether a user interacted with a targeted offer. The predictive score generally represents a likelihood that the user will interact with the targeted offer based on data stored by the software application for the user. The targeted offer is presented to the user based, at least in part, on a determination that the predictive score for the user exceeds a threshold score.