Systems and methods for identifying and capturing potential bankcard spending

A system for products that are designed to adjust intelligently to evolving behaviors of a customer, the system comprising:

• a data access system for obtaining and storing data;
• an analysis system for processing the data, wherein the analysis system:
• selects a study group of customers from the data;
• observes the study group so as to produce a profile of each study group customer's financial information;
• produces a mathematical representation of an interrelationship between study group customers' profiles and the data;
• applies the mathematical representation to customers not within the study group in order to estimate those customers' profiles;
• inputs income data and budgetary items data of the customer, such data included in the customer profile data;
• determines a differential between the income data and the budgetary items data;
• identifies a portion of the customer's monetary flow eligible to be conducted through a financial institution, the identification based at least in part on the differential between the income data and the budgetary items data;
• and
• does not require direct input from the customer;
• a marketing system for producing, outputting and implementing a marketing strategy, the marketing system comprising a multichannel optimization platform (MCO) that optimizes the marketing strategy, wherein the marketing strategy includes identifying a particular activity for which a monetary flow is not being captured and generating marketing on point to the particular activity;
• a first storage system for storing inputs to and outputs from the analysis system;
• a second storage system for storing inputs to and outputs from the marketing system;
• and
• the products, which are marketed to the customer according to the marketing strategy and, which are designed to adjust intelligently to the evolving behaviors of the customer.

A computer implemented method for producing products that are designed to adjust intelligently to evolving behaviors of a customer, the method comprising:

• obtaining, by a data access module, financial data for the customer;
• storing, via a storage module, inputs to and outputs from an analysis module;
• processing the financial data, by the analysis module, wherein the processing comprises:
• generating a financial information profile for the customer, the profile including an itemization of the customer's monetary inflow and outflow;
• inputting income data and budgetary items data of the customer, such data included in the customer profile data;
• determining a differential between the income data and the budgetary items data;
• and
• identifying, without direct input from the customer, a portion of the customer's monetary flow eligible to be conducted through a financial institution, the identification based at least in part on the differential between the income data and the budgetary items data;
• producing, via a marketing module, a marketing strategy;
• optimizing, via a multichannel optimization platform (MCO), the marketing strategy, wherein the marketing strategy includes identifying a particular activity for which a monetary flow is not being captured and generating, via the MCO, marketing on point to the particular activity;
• outputting, via the marketing module, the marketing strategy;
• implementing via the marketing module, the marketing strategy;
• storing, via the storage module, inputs to and outputs from the marketing module;
• and
• producing, according to the marketing strategy, the products that are designed to adjust intelligently to the evolving behaviors of the customer.