EXTERNALLY AUGMENTED PROPENSITY MODEL FOR DETERMINING A FUTURE FINANCIAL REQUIREMENT

A method for utilizing an externally augmented propensity model for determining a future financial requirement. The method includes obtaining at least one propensity model that models how data associated with a business entity relates to a future financial requirement of the business entity, and gathering the data associated with the business entity. The data includes a first portion created based on a platform utilized by users associated with the business entity, and financial data of an owner of the business entity. The data matches at least a subset of the at least one propensity model. The business entity is scored by applying the at least one propensity model to the data. Further, based on the score, the future financial requirement of the business entity is classified. Still yet, a message is transmitted to the business entity based on the classification of the future financial requirement of the business entity.