| 摘要 |
Disclosed are electronic systems and techniques for implementing consumer information aggregation and profile generation. An aggregator component can obtain data relating to a user from virtually any open, publicly available, or private sources of information. A profile of candidate characteristics associated with the user is generated, or updated, based on the information obtained, and the eligibility of the user for one or more offers, such as a loan, can be determined based at least in part on the profile of candidate characteristics. In this regard, banks and retailers can automate an offer decision-making process using information about the applicant that is readily available.
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