Abstract: A computerized system for determining whether to provide a loan to a customer who would like to purchase goods from a website of a merchant. The computerized system includes at least one processor, at least one memory, and at least one program stored in at least one of the memories. The at least one program causes the computerized system to respond to a receipt of a notification that the customer is browsing one or more pages of the website by crawling one or more pages of the website to determine the presence or absence of specified features on the pages and providing a decision as to whether or not to authorize a loan to the customer to purchase the goods from the merchant as a function of the presence or absence of the specified features.