Internal functions, processes and business logic. Machine learning can save you time and make your resource investment more effective when it comes to business processes and decisions. For example: A lending company would like to prioritize its outreach to potential loan applicants. It needs to determine who wants a loan enough to actually take it if offered, but is still likely to be able to repay it. Prioritizing the most creditworthy customers is not necessarily the answer, since those customers usually have many options and are less likely to convert, so a more complex model is required.