Standardized customer application and record for inputting customer data into analytic models

A computer-implemented system for a closed loop predictive modeling environment, for improving interactions with customers based on insight derived from previous customer interactions, the system comprising:

• a view creating module that creates a virtual flat file that serves as a complete input stream for a predictive model so that no additional data is required by the predictive model,
• wherein the virtual flat file is created from at least one view of a database, wherein the at least one view comprises at least one database field and at least one transform based on database data,
• wherein the virtual flat file comprises data regions for identification, product ownership, behavior, demographics, model scores,and contacts;
• a building module for building the predictive model for use in predicting future customer behavior;
• a first segmenting module for segmenting a set of customers by a first characteristic stored in the database;
• a second segmenting module for segmenting the set of customers by a second characteristic stored in the database;
• a matrix module for generating a two-dimensional matrix for cross-seqmenting the set of customers by both the first characteristic and the second characteristic;
• an interaction module for interacting with the set of customers based on behavior predicted by the predictive model;
• a gathering module for gathering results of the interactions with the set of customers;
• an updating module for updating the predictive model with the gathered results, wherein updating the predictive model refines the predictive model for improved future performance;
• and
• a repeating mechanism for repeating the use of the interaction module, the gathering module, the updating module for enabling a closed loop of interacting with customers based on insight derived from prior interactions with customers.