1. Apparatus for predictive analysis for determining which data to pre-fetch at a specific point in time comprising: a processor which is configured to generate a prediction corresponding to a user login to a webpage; the prediction comprising: a user identification, a start time of a potential login window, an end time of a potential login window, a probability of user login a cache memory; the processor further configured to pre-generate and/or pre-fetch, in response to the prediction, data for at least part of a user login webpage and store the data in the cache memory; the processor further configured to update the data stored in cache.