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Another model used in predicting cash-flows was developed in 1998 and is known as the Dechow, Kothari, and Watts model, or DKW (1998). DKW (1998) uses regression analysis in order to determine the relationship between multiple variables and cash flows. Through this method, the model found that cash-flow changes and accruals are negatively related, specifically through current earnings, and using this relationship predicts the cash flows for the next period. The DKW (1998) model derives this relationship through the relationships of accruals and cash flows to accounts payable and receivable, along with inventory.<ref>{{Cite journal |last1=Barth |first1=Mary E. |last2=Cram |first2=Donald P. |last3=Nelson |first3=Karen K. |date=2001 |title=Accruals and the Prediction of Future Cash Flows |journal=The Accounting Review |volume=76 |issue=1 |pages=27–58 |doi=10.2308/accr.2001.76.1.27 |jstor=3068843 |issn=0001-4826}}</ref>
=== Consumer Finance ===
{{see also|personal finance}}
In the field of [[personal finance|consumer finance]] predictive analysis finds application in various areas, such as: consumer spending forecasting, recommendation services, demand forecasting, saving and loan management <ref>{{cite journal |last1=Kazakov |first1=D. |last2=Nikolov |first2=V. |title=Predictive Savings Service |journal=Intelligent Computing. SAI 2024. Lecture Notes in Networks and Systems |volume=1018 |year=2024 |publisher=Springer, Cham |doi=10.1007/978-3-031-62269-4_37}}</ref>. The growth of financial mobile applications and services further accelerates the adoption of mathematical models that offer degree of forecasting and prediction.
=== Child protection ===
Some child welfare agencies have started using predictive analytics to flag high risk cases.<ref>{{Cite web |last=Reform |first=Fostering |date=2016-02-03 |title=New Strategies Long Overdue on Measuring Child Welfare Risk |url=https://imprintnews.org/blogger-co-op/new-strategies-long-overdue-measuring-child-welfare-risk/15442 |access-date=2022-05-03 |website=The Imprint |language=en-US}}</ref> For example, in [[Hillsborough County, Florida]], the child welfare agency's use of a predictive modeling tool has prevented abuse-related child deaths in the target population.<ref>{{Cite journal |date=2016 |title=Within Our Reach: A National Strategy to Eliminate Child Abuse and Neglect Fatalities |url=https://www.acf.hhs.gov/sites/default/files/documents/cb/cecanf_final_report.pdf |journal=Commission to Eliminate Child Abuse and Neglect Fatalities}}</ref>
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