determining, by a processor of a computing system, a first transaction pattern corresponding to a first set of transactions, the first set of transactions corresponding to a first transaction type associated with payroll deposits from a first entity;

generating, by the processor, a future transaction prediction corresponding to the first transaction pattern;

receiving, by the processor, at least one additional transaction;

determining, by the processor, a first deviation from the first transaction pattern based on the future transaction prediction and the at least one additional transaction, the first deviation associated with at least one of different entities, different transaction amounts, or different transaction periodicities, wherein the first deviation is indicative of unemployment;

determining, by the processor, that the first deviation from the first transaction pattern would result in a second deviation in a second transaction pattern corresponding to a second set of transactions, the second set of transactions corresponding to a second transaction type associated with mortgage payments to a second entity different from the first entity, the second deviation indicative of delayed mortgage payments or mortgage default

in response to determining that the first deviation from the first transaction pattern would result in the second deviation in the second transaction pattern, determining, by the processor based on the first deviation from the first transaction pattern and a mapping table, one or more rewards associated with the second transaction type, wherein the mapping table maps the one or more rewards to a plurality of life events corresponding to a plurality of deviations, the plurality of deviations comprises the first deviation, wherein the one or more rewards comprises converting mortgage payments to interest-only payments; and

sending, to a user device of the customer, an offer to the customer to select the one or more rewards to be displayed at a user interface of the user device.