Behaviour prediction models are often used in Risk Management to handle in time the non- profitable segment, but they are  very useful tools in defining special churn or retention campaigns also. The models built on the data of Marketing Data Warehouse are compiled with different data-mining techniques. Usually the most useful model predicts early terminations, that way the provider has possibilities to contact the endangered clients with special offers to extend  the contract period or give an offer to retain the costumers with  new contracts.