20. The computer program product of claim 15 , the method further comprising automatic down sampling of one or more disparate data sources in response to determining that a number of records in the disparate data source exceeds a predetermined value.
15. A non-transitory computer program product storing instructions, which when executed by at least one data processor of at least one computing system, implement a method, the method comprising: accessing, from at least one database, data from a plurality of disparate data sources; automatically building, using the data obtained from the accessed data sources, a first test model and a second test model, the first test model and the second test model having predetermined predictive variables and the first test model and the second test model built from one or more of the plurality of disparate data sources; determining a set of predictive variables from the predetermined predictive variables in the first test model and the second test model by comparing a predictive power of the predictive variables of the first test model and the second test model, the set of predictive variables being a subset of the predetermined predictive variables; generating a dataset comprising data selected from the disparate data sources and corresponding to the determined set of predictive variables; and building, from the dataset, a model that combines the set of predictive variables, the model characterizing a quantitative estimate of a probability that an entity will display a defined behavior.