Goran Klepac, PhD, University College Professor, head of Strategic development at Raiffeisenbank Austria d.d., Head of chair for Information systems at Algebra University College. He lectures subjects in domain of data mining, predictive analytics, decision support system, banking risk, risk evaluation models, expert system, database marketing and business intelligence. As a team leader, he successfully finished many data mining (data science) projects in different domains like retail, finance, insurance, hospitality, telecommunications, and productions. He is an author/coauthor of numerous books published in Croatian and English with publishers like Springer, Elsevier (MKP), Taylor and Francis (CRC press), IGI- global in domain of data science. www.goranklepac.com

Do we really create efficient early warning systems when we are using internally collected data from our databases? Which secrets, useful for decision making are hidden deep in virtual spaces and how it can be revealed by usage of data science methodology?