Artificial intelligence is a theory and development of computer systems that can perform tasks that typically require human intelligence. With the growing number of enterprises and increasing competition, companies are rigorously trying to integrate artificial intelligence (AI) technology within their applications, businesses, analytics, and services. Machine learning is being adopted at unprecedented rates, specifically to create propensity models. Banks and insurance companies are introducing machine learning-based solutions for web and mobile applications. This has further enhanced real-time target marketing by predicting customers' product propensity based on behavioral data.