Customer research and marketing engagement system and method for increasing earnings opportunities of consumers

A customer research and marketing engagement system comprising:

• a personal data marketing disintermediation service that enables a consumer to configure engagement settings and personal data access rules, rates, and schedules that manage vendor access to consumer personal data, wherein the personal data marketing disintermediation service associates the consumer with a holistic consumer identity comprising an electronic mobile wallet, an engagement profile comprising the engagement settings and personal data access rules, rates, and schedules, and a syndicated persona (SP) which the consumer can license to vendors for a recurring source of income;
• a cognitive and predictive analytics-driven marketing service that performs predictive analytics to match the consumer's SP with context-relevant offers from vendors;
• and
• a cross-channel marketing and payments operations integration service which enables users to earn money from vendors who pay for licensed access of the personal information, to store the earned money in a secure stored value payment device, and to spend earned money through any of several marketplace channels.