Embodiments of the present disclosure provide a system for real time provisioning and optimization of a user's resources based on both historical and real time data associated with the user. In particular, the system may comprise a data analytics engine which may continuously analyze user data from various data sources. The aggregated data may be processed through a predictive engine which may use artificial intelligence and/or machine learning to predict a user's actions within the system. Based on the prediction, the system may provide an optimized allocation of resources with respect to the predicted actions of the user.