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SMEs and retail enterprises operate in a highly dynamic and increasingly competitive market place. Data analytics and utilization of machine learning techniques can deal with increasing customer demand to maintain their market position. Statistical modeling can determine important features that can increase the profits, the market share by targeting customer in a more efficient way. Moreover, advance statistical analysis can reduce reliance on short term external financing facilities and assist in developing client credit policies or payment terms to minimize unpaid bills and avoid the collections process.

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