A new big data product gives retailers predictive analytics for customers based on their credit history, bill payment history, and personal habits. A big data firm marketing analytics products for retailers has launched a new platform which evaluates customer credit reports and bill payment history for clients. Versium's new LifeData Analytics product is designed so that retailers can quickly transform background data on customers' mobile phone plans, bill payment habits, credit records, transaction history, and personal habits into predictive guesses about what they will purchase.