Abstract: A method for generating financial propensity outcomes using a machine learning model. The method may include receiving internal data on a client, the internal data comprises transactional data, behavioral data, demographic data, credit data, and communication data; receiving external data, the external data comprises publicly available data; training the machine learning model using historical financial data to model forecasts and predictive analytics; deploying the trained machine learning model and providing the internal data and the external data as data input to the trained machine learning model; and generating the financial propensity outcomes associated with the client from the trained machine learning model through forecasts and predictive analytics.

Abstract: A system, method, and device for automatic distribution of payments are provided. The automatic distribution of payments includes receiving funds from a payment source, the funds being for the benefit of one or more third parties, distributing, automatically, the received funds to one or more custodial accounts associated with each of the one or more third parties, allocating, automatically, the distributed funds from the one or more custodial accounts associated with each of the one or more third parties, to one or more custodial accounts associated with at least one partner, wherein the allocation of the distribute funds is based on instructions previously received from one or more of the third parties, and transferring, automatically, the allocated funds to a separate banking institution based on previously received instructions the at least one partner.