Unbeknown to many investors and advisors, ratings are just one modeling approach.

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Over time, an integrated approach to modeling and risk management can provide firms with better abilities to identify and predict risk.

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Entrepreneur Anthony Goldbloom has also taken a community-focused approach in founding Kaggle, a predictive modeling competition platform for solving large data problems presented by companies, governments, and researchers.

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The traditional business school approach driven by analytics, forecasting and spreadsheet business modeling has lost its momentum.

FORBES: Entrepreneurship Isn't Just a Business Term Anymore; It's a Way of Life!