13. The computer system according to claim 9 , the offering component further configured to select the commercial offer for the cluster from a predetermined selection of commercial offers.
9. A computer system for data clustering and user modeling for next-best-action decisions, the system comprising: at least one processing unit; memory operably associated with the at least one processing unit; and a modeling tool storable in memory and executable by the at least one processing unit, the modeling tool comprising: an analyzing component configured to: receive unstructured social data from a plurality of users, the unstructured social data comprising one or more indicators including a set of words located in the unstructured social data that indicate at least one of: sentiment, personality, and emotional state; analyze the unstructured social data of each user of the plurality of users to assign a numerical value to each of a plurality of feature vectors to associated with each of the plurality of users based on the set of words of the one or more indicators located in the unstructured social data generated by the user, each of the set of feature vectors corresponding to one or more personality characteristics that include a learning style, a propensity to purchase, a socioeconomic class, and a personality trait of each of the plurality of users; and analyze the set of feature vectors to identify two or more users from the plurality of users sharing a set of similar feature vectors; a clustering component configured to: group the two or more users from the plurality of users sharing the set of similar feature vectors to form a cluster; and identify attributes of the cluster based on the feature vectors of the users grouped in the cluster; and an offering component configured to input the attributes of the cluster into a predictive model to automatically determine a commercial offer that corresponds to the cluster.