Described are a system, method, and computer program product for machine-learning-based traffic prediction. The method includes receiving historic transaction data including a plurality of transactions. The method also includes generating, using a machine-learning classification model, a transportation categorization for at least one consumer. The method further includes receiving at least one message associated with at least one transaction, identifying at least one geographic node of activity in the region, and generating an estimate of traffic intensity for the at least one geographic node of activity. The method further includes comparing the estimate of traffic intensity to a threshold of traffic intensity and, in response to determining that the estimate of traffic intensity satisfies the threshold: generating a communication configured to cause at least one navigation device to modify a navigation route; and communicating the communication to the at least one navigation device.