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How are profiles updated when a life-changing event occurs? Is it implied from the transactional stream?

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How are profiles updated when a life-changing event occurs? Is it implied from the transactional stream?

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It is inferred from the transaction stream in terms of shifts of user preferences for specific products and services, for example, moving from an aggressive investment stance to a more conservative stance. These real-time changes are detected via a pre-programmed observation agent that updates the user-models in real-time.

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