Software as a service (SaaS) featuring software for connecting the user's data sources and databases and collecting online publicly available data for enriching the user's databases with collected data by making potentially relevant connections and creating new potentially relevant variables, all featuring engineering and exploration; Software as a service (SaaS) featuring software for providing training in a range of machine learning algorithms in addition to collected data and variables to build predictive models that are explained, visualized and made available to the user for one-time analysis or for ongoing use by automating the predictive model delivery process; Software as a service (SaaS) featuring software for integrating the production model results to different user systems through APIs, databases, computer language code and visualization dashboards and business intelligence tools; Software as a service (SaaS) featuring software for providing business intelligence related tools, visualizations and reports that enable the user to analyze and modify the results to make changes to the core dataset, choose and blacklist suggested variables and for selecting and altering predictive models