Abstract: As described herein, a system, method, and computer program are provided for a multi-dimensional credit worthiness evaluation. Financial transaction data is accessed for an individual. A plurality of dimensions of credit worthiness is computed for the individual, using the financial transaction data. At least one machine learning model is trained, using the financial transaction data and the plurality of dimensions of credit worthiness as training data, to make at least one financial-related prediction for additional individuals. The at least one machine learning model is output for use in making the at least one financial-related prediction for the one or more of the additional individuals.