Goran KlepacGoran Klepac , PhD, University College Professor works as a head of Strategic unit in Sector of credit risk in Raiffeisenbank Austria Inc, Croatia, Europe. In several universities in Croatia, he lectures subjects in domain of data mining, predictive nalytics, decision support system, banking risk, risk evaluation models, expert system, database marketing and business intelligence. As a team leader, he successfully finished many data mining projects in different domains like retail, finance, insurance, hospitality, telecommunications, and productions. He is an author/coauthor of several books published in Croatian and English in domain of data mining. www.goranklepac.com Read More Read Less