LendingClub Corporation
DYNAMIC FINANCIAL HEALTH PREDICTOR

Abstract:

Techniques are described herein for dynamic financial health prediction. In an embodiment, device application data that includes a plurality of data records relating to one or more software applications installed on a user computing device is collected and stored. A plurality of financial health scores is generated for a user account based at least in part on the plurality of data records relating to the one or more software applications installed on a user computing device. A correlation is identified between values from the one or more data record of the plurality of data records and the plurality of financial health scores of the user account. If the correlation satisfies one or more criteria, an action to be executed on the user computing device.