Sparkling Logic SMARTS is a predictive analytics, machine-learning, data-driven Decision Management Platform for building and deploying complex, applications such as risk management, fraud and personalization. Sparkling Logic uses machine learning and decision analytics to discover, test and rapidly deploy decisions and predictive models intelligent applications in an easy to use integrated platform, based on state of the art PMML and Business Rules engines. Sparkling Logic provides data insights into WHAT will happen, HOW (simulation/testing) and WHY (business rules). SL is used and deployed in Risk Management, Fraud, Health/Wellness and IoT by leading enterprise customers like Equifax, Swiss RE, Paypal, Early Warning, OnLife Health, ABT and First Rate.