Abstract: In one or implementations, electronic usage information that is associated with recency, frequency and monetary spending from a plurality of computing devices associated with a user base representing a plurality of users is processed. For example, the electronic usage information is associated with activity, and a portion of the user base is segmented as a function of the associated electronic usage activity. Moreover, using the at least one processor, the associated electronic usage information and the segmented portion of the user base is processed to generate at least one predictive model of future behavior of the segmented portion. Aa respective recommendation of a good and/or service is determined for each of the users in the segmented portion of the user base in accordance with the at least one generated predictive model, and is provided.