SYSTEMS AND METHODS FOR SPEND ANALYSIS

1 . A method comprising:

building, using a processor for financial analysis, a consumer data cohort based upon first consumer data, wherein the consumer data cohort comprises internal data;

deriving, using the processor, derived data based upon the consumer data cohort; and

determining, using the processor, a consumer data cohort attribute based upon the derived data.

2 . The method of claim 1 , wherein the first consumer data comprises first consumer ZIP code, gender, and age.

3 . The method of claim 1 , wherein the consumer data cohort attribute is at least one of a median, mean, and mode of a type of data of the customer data cohort.

4 . The method of claim 1 , further comprising selecting a strategy to interact with the first consumer based upon the consumer data cohort attribute.

5 . The method of claim 4 , wherein the strategy selected comprises initiating a marketing campaign.

6 . The method of claim 4 , wherein the strategy selected comprises removing the first consumer from a customer list.

7 . The method of claim 4 , wherein the strategy selected comprises transmitting data related to the first consumer to a vendor of complementary goods.

8 . The method of claim 1 , wherein the consumer data cohort attribute is indexed.

9 . The method of claim 1 , wherein the first consumer data comprises nonpersonally identifiable information.

10 . The method of claim 1 , wherein the consumer data cohort comprises data gathered from social networks.

11 . The method of claim 1 , wherein the consumer data cohort comprises data gathered from a credit bureau.

12 . The method of claim 1 , wherein the consumer data cohort comprises data gathered from a merchant.

13 . The method of claim 1 , wherein the derived data cohort comprises at least one of credit score, size of wallet and share of wallet.

14 . The method of claim 2 , wherein, in response to insufficient internal data relating to the first consumer data ZIP code, the consumer data cohort comprises internal data relating to consumers living outside the first consumer data ZIP code.

15 . The method of claim 2 , wherein, in response to insufficient internal data relating to the first consumer data age, the consumer data cohort comprises internal data relating to consumers having an age within one year of the first consumer data age.

16 . The method of claim 1 , further comprising filtering the consumer data cohort based upon a geographic location of a merchant.

17 . The method of claim 1 , further comprising filtering the consumer data cohort based upon a merchant category.

18 . The method of claim 1 , further comprising filtering the consumer data cohort based upon spend with a particular merchant.

19 . An article of manufacture including a non-transitory, tangible computer readable medium having instructions stored thereon that, in response to execution by a computer-based system for financial analysis, cause the computer-based system to perform operations comprising:

building, by the computer-based system, a consumer data cohort based upon first consumer data, wherein the consumer data cohort comprises internal data;

deriving, by the computer-based system, derived data based upon the consumer data cohort; and

determining, by the computer-based system, a consumer data cohort attribute based upon the derived data.

20 . A system comprising:

a processor for financial analysis,

a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:

building, by the processor, a consumer data cohort based upon first consumer data, wherein the consumer data cohort comprises internal data;

deriving, by the processor, derived data based upon the consumer data cohort; and

determining, by the processor, a consumer data cohort attribute based upon the derived data.