Providing software-as-a-service featuring software that uses predictive analytics to improve business intelligence and provide actionable recommendations on events affecting customer behavior and experience; providing software-as-a-service featuring software for real-time segmentation of businesses' existing customers to allow them to target frequent buyers with loyalty program; providing software-as-a-service featuring software for a real-time fraud detection system for evaluation of commerce transactions; providing software-as-a-service featuring software that combines data from different structured and unstructured data sources to generate an interconnected group of data; providing software-as-a-service featuring software that delivers real-time scoring and decisioning for the purpose of predicting user behavior; providing software-as-a-service featuring a software language that enables users to define rules and rule configurations for the purpose of real-time analysis