Abstract: A present risk aversion of a customer is determined. A temporal preference is detected using historical data related to the customer, the temporal preference showing a preference of current utility over a future utility of a product. Using the temporal preference and a negative transaction risk, a future risk aversion of the customer is projected at a future time. A pattern of offer acceptance by the customer is identified in the historical data. A value of an exogenous factor is determined on which a buying ability of the customer depends. The customer is classified in a cluster, where all customers in the cluster have the present risk aversion, the temporal preference, the negative transaction risk, the future risk aversion, and the value. An offer for a product is presented to the cluster, which satisfies the present risk aversion, and where a probability of acceptance of the offer exceeds a threshold.