1. A computer-implemented method comprising: receiving data characterizing a transaction, the data comprising a plurality of values corresponding to variables; determining, based on the received data and using a scoring model, a score for the transaction, the scoring model only using variables pairs having a divergence residual above a pre-defined threshold, the divergence residual being a difference between a divergence of an N-dimensional scorecard model and a divergence of an N-variable scorecard for a pair of variables, wherein N is an integer greater than or equal to 2; and providing data characterizing the determined score; wherein at least one of the receiving, the determining, and the providing is performed by at least one processor of at least one computing system.