Apart from my own efforts, the success of any project depends largely on the encouragement and guidelines of many others. No one walks alone on the journey of life. First, I want to start by saying thanks to those who walked with me and those who keep walking beside me.
I would like to express my gratitude towards my family for their support – my mother and grandmother for their love and blessings and my sister and brother for their helping hand and advice.
I take this opportunity to express my gratitude to Diana Orozco who has been my inspiration and support on my academic path.
I would like to express my special gratitude and thanks to Prof. Juan Carlos Salazar for his support and showing me the beautiful world of statistics.
I wish to express my sincere gratitude to Prof. Juan Carlos Correa for his continuous feedback that has contributed to improve my skills.
My thanks and appreciation also go to Bancolombia, my coworkers and people who have willingly assisted me with their abilities.
Many thanks to Universidad Nacional de Colombia-Sede Medellín for believing in me and helping me to achieve my goals.
Thanks to Universidad Pontificia Bolivariana and Universidad Eafit for giving me the change to teach and share my experiences.
I sincerely thank Cesar Tobón and José Montoya for giving me time to complete my master’s degree.
I would like to express my sincere appreciation to Monica Tamayo for her encouragement and continuous support. She helped me to open up a whole new world of opportunities.