A computer-readable medium comprising computer readable code for predicting customer behavior regarding to at least one offer, the computer-readable medium comprising: a computer-readable code adapted to, obtain a set of population data extracted from at least one database of population group and target building potential list; a computer-readable code adapted to, create a sampling process said sampling process samples said population data set and creates sample of said potential list; a computer-readable code adapted to, automatically create and execute a segmentation model to partitioned said sample from said population data set to segments; a computer-readable code adapted to, automatically generate sub-offers for each of said segments; a computer-readable code adapted to, automatically create and execute statistical behavior model for each of said sub-offer; a computer-readable code adapted to, combine results and statistical formulas of said sub-offer behavior models; a computer-readable code adapted to,
