Consumer Lifestyle Data

CCBT stands for Computerized Cognitive Behavioral Therapy and refers to the use of apps or other programs to do CBT therapy on a personal basis.

Cognitive behavioral therapy is, essentially, a method of training people to recognize fallacious beliefs or self-destructive behavior in themselves and then working with them to change their beliefs and behaviors to more healthy, productive ones. For example, someone prone to catastrophizing (assuming the worst outcome of a situation) may need to learn how to identify more likely outcomes.

CBT works best with mild to moderate emotional disturbances, especially depression and anxiety. Patients may use these programs in concert with their therapists or general practitioners, but cCBT has also proven itself very effective when used on its own.

Machine learning models help identify, analyze, and predict stress in individuals and larger populations. Stress management programs use these models to help people improve their responses to stressors and thus reduce their overall stress levels.

With the expanding online fitness and wearable health device industries, there is an increased interest in health-related apps and devices; stress management programs that integrate with these apps and devices should continue to grow in size and number.

Companies post content to their websites, newsletters, and social media accounts based on social media metrics that indicate when posts receive the most engagement. This engagement varies by social media site, industry, content type (promotion, article, etc.), and the time of posting: post engagement varies by weekday and even time of day. A content calendar, then, is the scheduling of content publication to increase engagement and conversion.

Companies also schedule site maintenance on these calendars, to ensure they only occur during times of least engagement.

Other terms for content calendar include editorial calendar, social media posting schedule, and other variations of these. An editorial calendar, however, focuses on content planned for company-managed websites plus social media accounts. Social media content schedules, on the other hand, focus on social media posts, as the name indicates.

Customer lifetime value (CLTV) is the expected profit that a single customer brings to a company over the course of their lifetime. CLTV represents a shift in emphasis from quarterly or annual profits to the long-term relationships with customers.

Traditionally, personalization was focused on a set of rules based on existing data. Firms used to collect data in advance without any consideration for real time data but now better and much faster results can be obtained by using AI that allows businesses to conduct profiling and real-time analysis to optimize each conversion. This process is defined as Predictive Personalization and is driven by Machine Learning.

Credit scoring is a statistical analysis performed by lenders and financial institutions to assess a person’s creditworthiness for mortgages, credit cards, and private loans. Credit scoring is used by lenders to decide whether to extend or deny credit.
Traditionally, a person’s credit score determined by credit bureaus is a number between 300 and 850 with 850 being the highest credit rating possible. As new types of lenders and insurers emerge, however, the traditional credit score becomes just one parameter joined with a large variety of alternative data that helps determine a person’s creditworthiness. 

Behavioral targeting is the process of marketing to people who are most likely to use your products or services based on their demonstrated behavior. This behavior may be online (for example, keywords searched, websites visited) or offline (location tracking data, for example).