Abstract: A system obtains a first set of data associated with interactions by a user conducting a transaction using an interface of a computing device, a second set of data associated with a previous transaction, and a third set of data associated with verification of a user identity. The system generates a first score based at least in part on the first, second, and the third sets of data. If the first score does not cross a threshold, the system updates the interface based at least in part on the first score. However, if the first score crosses the threshold, the system obtains, from an external entity, a fourth set of data associated with the user, generates a second score based at least in part on the fourth set of data, and updates the interface based at least in part on the second score.