Abstract: A system, method and computer-readable storage medium are disclosed herein. The system includes one or more servers, one or more processors and a memory storing computer-readable instructions that, when executed by the one or more processors, cause the system to perform operations. The operations include receiving data and information associated with a user, and executing a first ML algorithm to select which other ML algorithm to execute to determine a value profile associated with a collateral asset. Additional ML algorithms are executed to generate a collateral profile associated with the collateral asset, an activity profile associated with a user, and a household profile associated with the user. Data from among the profiles is combined to generate a digital asset, and advanced analytics are applied to the digital asset, in connection with rules and policies, to identify a user-specific product offering. The user-specific product offering is communicated to the user.