Systems and methods for predicting personalization and intelligent routing

A network for intelligently routing an organization's member to an organization representative, comprising:

• an authentication processor configured to authenticate the member using automatic identification;
• a processor configured to analyze spoken content of the member to determine a specialized need of the member;
• and
• a conversation management processor configured to:
• determine routing based on at least one of a member's referral score and an effort risk score, wherein at least one of the referral score and the effort risk score is a propensity of the member to contact an organization;
• wherein the effort risk score is determined based in part on a healthcare activity data of a member's household;
• a conversation management data storage in communication with the conversation management processor;
• and
• a graphical user interface in communication with the conversation management processor and the conversation management data storage.