Goran KlepacGoran Klepac , Ph.D., works as a head of Strategic unit in Sector of credit risk in Raiffeisenbank Austria d.d., Croatia. In several universities in Croatia, he lectures subjects in domain of data mining, predictive analyitics, decision support syste, 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. Read More Read Less