Abstract: An automated method, non-transitory computer-readable storage device and system for developing predictive models including predictive causal models and using said models to develop a personalized context for use in advertising, configuring, offering, producing, and/or delivering offerings that are appropriate to the context of a specific individual, group or organization.

Abstract: An automated method, computer readable storage device and system for using artificial intelligence based cognitive learning methods to develop predictive models and then use said models to measure and manage risk for an organization on a continual basis. The elements of value, external factors and segments of value of the organization are analyzed and modeled using predictive models and causal models that are developed by learning from the data associated with said organization. Scenarios of both normal and extreme situations are also developed by learning from the data. The scenarios are then used to drive simulations of the predictive models. The output from these simulations are then used to calculate and display a matrix of risk.

Abstract: An automated method, computer program product and system for using artificial intelligence based cognitive learning methods to identify, measure and manage risks for a commercial enterprise on a continual basis. The elements of value, external factors, components of value and categories of value of the enterprise are analyzed and modeled using predictive models that are developed by learning from the data associated with said enterprise. Scenarios of both normal and extreme situations are also developed by learning from the data. The scenarios are then used to drive simulations of the predictive models. The output from these simulations are then used to measure a plurality of risks and complete optimization analyzes that identify the optimal mix of risk reduction activities for the enterprise. The optimal mix of risk reduction activities is then presented to the user for optional editing, rejection or acceptance.

Abstract: A data processing framework for financial services that supports the automated development and delivery of financial service products to a plurality of customers.