Abstract: A method by a computing device to dynamically generate a targeted message for a user. The method includes receiving a request to generate a targeted message for a user, where the request includes core content to be included in the targeted message, selecting, using machine learning, one of a plurality of templates for the targeted message based on information associated with the user, where the selected template includes a core content block and one or more additional content blocks, selecting, using machine learning, additional content to be included in the one or more additional content blocks based on information associated with the user, generating the targeted message according to the selected template and with the core content populating the core content block and with the selected additional content populating the one or more additional content blocks, and sending the targeted message for eventual transmission to a user device.