Responsibility analytics

An article comprising a non-transitory machine-readable medium embodying instructions that when performed by one or more machines result in operations comprising:

• building at least one model for generating responsibility scores by:
• gathering historical creditworthiness related data for a plurality of consumers;
• deriving a plurality of performance behaviors from the historical creditworthiness data;
• building a predictive model for each of the performance behaviors using the historical creditworthiness data;
• defining a single combined responsibility performance score aggregating and/or combining the results of the predictive model;
• and
• enabling access to the built at least one model for generating responsibility scores so that responsibility scores can be calculated for an individual using his or her personal historical creditworthiness data.

An article comprising a non-transitory machine-readable medium embodying instructions that when performed by one or more machines result in operations comprising:

• building at least one model for generating responsibility scores by:
• gathering historical creditworthiness related data for a plurality of consumers;
• deriving a plurality of performance behaviors from the historical creditworthiness data;
• performing factor analysis to associate the matching states of the pre-defined performance behaviors with matching states of performance dimensions, the number of performance dimensions being fewer than the number of performance behaviors;
• building a predictive model for each of the performance behaviors using the historical creditworthiness data;
• defining a single combined responsibility performance score aggregating and/or combining the results of the predictive model;
• and
• enabling access to the built at least one model for generating responsibility scores so that responsibility scores can be calculated for an individual using his or her personal historical creditworthiness data.

An article comprising a non-transitory machine-readable medium embodying instructions that when performed by one or more machines result in operations comprising:

• receiving, for each of a large population of individuals, a request to generate a responsibility score, the responsibility score characterizing a likelihood of a change in a level of creditworthiness of an individual in response to at least one unknown financial event;
• generating, for each individual, a responsibility score based on historical creditworthiness data for the individual using at least one predictive model, the at least one predictive model being trained using historical creditworthiness data of a plurality of consumers subjected to a plurality of financial events, the at least one predictive model associating the historical creditworthiness data of the individual with matching states for each of a plurality of pre-defined performance behaviors, each pre-defined performance behavior having at least two corresponding states;
• and
• segmenting each of the individuals into a plurality of groups based on the corresponding performance behavior state combinations for each individual.