Predictive modeling is the process of analyzing data to create a statistical model of future behavior. Predictive modeling solutions are a form of data-mining technologies that work by analyzing historical and current data, and generating a model to help predict future outcomes. These technologies can be used to generate a score (for example, a credit score), to assess behavior (for example, fraud detection or customer acquisition), or to analyze needed reserves. Insurers can apply this to key activities, such as customer service, pricing, actuarial, underwriting and claims, to improve outcomes.