A method may include receiving data from a computing device requesting approval of a loan application; accessing time-series data associated with the user from a knowledge graph; building a feature vector based on the accessed time-series data; inputting the feature vector into a machine learning model; receiving a response from the output from the machine learning mode, the output indicating a level of approval for the user with respect to the loan application; and transmitting a response to the request based on the level of approval.