This document summarizes a presentation about using machine learning and data from various systems like health and finance to better understand how people's lives are impacted. It discusses how analyzing millions of transactions and user data from a credit union allowed predicting user behavior and defaults with 80% accuracy. A pilot project was proposed to connect this analysis to wellness data from devices to create a financial account and products that improve as the user adopts healthier behaviors. The goal is to benefit users and organizations by improving prediction, access to products, and overall wellness.