SYSTEMS AND METHODS FOR STREAMLINING USER INTERACTION IN A USER EVALUATION PROCESS

Embodiments disclosed are directed to a computing system that performs operations for streamlining user interaction in a user evaluation process. The computing system receives, at a first time, a request to update an account balance of a user account with a differential amount. The computing system determines a source of the request. The computing system generates a priority level for the request based on the determined source of the request. The computing system processes the request based on the generated priority level. The computing system generates a risk model associated with the user account based on electronic information associated with the user account. The computing system determines a supplemental amount associated with the user account based on the generated risk model. The computing system determines whether the differential amount is less than or equal to the supplemental amount. The computing system automatically updates the account balance of the user account, at a second time later than the first time, with the differential amount responsive to determining that the differential amount is less than or equal to the supplemental amount.