Abstract: Systems and methods that may be used to provide a predictive tax loan or other monetary advance before the loan recipient (e.g., a taxpayer) prepares and files its tax return. A risk of providing a predictive tax loan or monetary advance is modeled separately from a machine learning model used to determine the anticipated tax refund amount and tax loan. The disclosed systems and methods may also predict accurate tax withholdings based on multiple machine learning models from multiple services, including non-payroll related services.

Abstract: Systems and methods that may be used to provide a predictive tax loan or other monetary advance before the loan recipient (e.g., a taxpayer) prepares and files its tax return. A risk of providing a predictive tax loan or monetary advance is modeled separately from a machine learning model used to determine the anticipated tax refund amount and tax loan. The disclosed systems and methods may also predict accurate tax withholdings based on multiple machine learning models from multiple services, including non-payroll related services.

Abstract: A method may include detecting, in transactions of initial users, open recurring expense sequences each having expense sequence attributes, deriving, using the expense sequence attributes of the open recurring expense sequences, recurring expense groups each including a subset of the initial users, generating a prediction that the open recurring expense sequences of a recurring expense group will terminate within a period of a current period, grouping, using personal attributes of the users in the recurring expense group, the recurring expense group into recurring expense subgroups, generating, using a trained model, scores for the recurring expense subgroups each indicating a probability that the open recurring expense sequences of the respective recurring expense subgroup are extendable beyond the current period, and selecting, using the scores for the recurring expense subgroups, a recurring expense subgroup to attempt an extension of the open recurring expense sequences of the recurring expense subgroup.

Abstract: Systems and methods that may be used to provide a predictive tax loan or other monetary advance before the loan recipient (e.g., a taxpayer) prepares and files its tax return. A risk of providing a predictive tax loan or monetary advance is modeled separately from a machine learning model used to determine the anticipated tax refund amount and tax loan. The disclosed systems and methods may also predict accurate tax withholdings based on multiple machine learning models from multiple services, including non-payroll related services.