Method, referral server and network for providing targeted advertisements to users

A method for retrieving a financial transaction history of a user and generating a behavioural profile of the user, the method comprising:

• receiving, by a referral server and via a secure API of a client device of the user, a request to access a financial account of the user hosted by a financial platform server;
• establishing, by the referral server, a connection between the client device and the financial platform server;
• sending, by a referral server, to the financial platform server, a request for fetching financial information of the user;
• receiving, by the referral server, from the financial platform server, a reply containing a financial transaction history of the user;
• sending, by the referral server and to the client device, an HTML inline frame comprising a question for the user, wherein the question is selected based on the financial transaction history of the user, and wherein the HTML inline frame comprises a field for the user to provide a reply to the question;
• receiving, by the referral server and from the client device, the reply to the question;
• analysing, at the referral server, financial transaction history of the user to determine a plurality of behavioural attributes of the user;
• and
• determining, by the referral server and based on the reply to the question, an additional behavioural attribute of the user;
• combining, by the referral server, the plurality of behavioural attributes of the user and the additional behavioural attribute to form a behavioural profile of the user;
• determining, at the referral server, a plurality of marketing campaigns associated with the behavioural profile;
• determining, at the referral server, and based on past conversion outcome data corresponding to the plurality of marketing campaigns and based on parameters of the behavioural profile of the user, a predicted conversion rate for each marketing campaign of the plurality of marketing campaigns;
• selecting, by the referral server, the marketing campaign having a highest predicted conversion rate of the plurality of marketing campaigns;
• sending, by the referral server and to a client device of the user, a code sequence related to the marketing campaign;
• and
• sending, by the referral server to the client device, and based on the code sequence, a targeted advertisement corresponding to the marketing campaign.