Bart Baesens is an associate professor at K.U.Leuven and a lecturer at the University of Southampton (UK). He has done extensive research on predictive analysis, data mining, customer relationship management, fraud detection and credit risk management, and web analytics. His findings have been published in well-known international journals, and presented at international top conferences. He is co-author of the book 'Credit Risk Managagement: Basic Concepts' (published in 2008). He regularly tutors, advises and provides consulting support to international firms with respect to their data mining, predictive analysis, and credit risk management policy. For more details see www.dataminingapps.com.