SYSTEM AND METHOD OF PROFITABILITY ANALYTICS

1 . A method to allow financial institutions to guide savings opportunities provided to their customers comprising:

analyzing a plurality of financial transactions of a user to identify at least one spending pattern;

identifying at least one savings opportunity from a database based on the spending pattern;

determining if the savings opportunity is to be offered through the financial institution to the user and if is to have a limited redemption option; and

if the savings opportunity is to be offered, communicating the savings opportunity and any redemption limitation to the user through the financial institution.

2 . The method of claim 1 , wherein limiting redemption options includes limiting redemption methods to those that provide a return to the financial institution.

3 . The method of claim 1 , wherein the communication of the savings opportunity occurs at one or more of the financial institution website, a mobile application of the financial institution, a 3 rd party website, application, or a mobile app.

4 . A method to allow financial institutions to guide savings opportunities provided to their customers comprising:

analyzing at least one financial transaction of a user to identify at least one spending pattern;

identifying at least one savings opportunity from a database based on the spending pattern;

determining if the at least one savings opportunity is to be offered through the financial institution to the user and any limits to the offer that apply; and

communicating the at least one savings opportunity offer through the financial institution.

5 . The method of claim 4 , wherein the limit is at least one of a number of savings opportunities to be offered to the user.

6 . The method of claim 4 , wherein the limit is set manually.

7 . The method of claim 4 , wherein the limit is optimized automatically on a per user basis.

8 . The method of claim 4 , wherein the limit is contingent upon at least one of opportunities per statement, past user engagement with savings opportunities, a time period or a specific BIN/IIN number.

9 . The method of claim 4 , wherein communicating comprises displaying the savings opportunity in association with a statement of a user's financial account.

10 . The method of claim 9 , wherein the statement is at least one of an online statement, an online graphical user interface associated with the user's financial account, an online bill pay area, a dialog box associated with the user's financial account, an ATM receipt, a teller receipt, a mobile statement, and a paper statement.

11 . The method of claim 9 , wherein the limit is a maximum number of transactions on the statement that are matched to a savings opportunity.

12 . A method to allow financial institutions to identify additional savings opportunities for their customers comprising;

analyzing at least one financial transaction of a user to identify a financial usage pattern and a net revenue to the financial institution;

comparing usage patterns to available revenue streams to the financial institution;

identifying a savings opportunity based on the usage pattern and the net revenue; and

communicating the savings opportunity to the customer.

13 . The method of claim 12 , further comprising determining an increase in revenue associated with the savings opportunity.

14 . The method of claim 13 , wherein only revenue-positive savings opportunities are identified and communicated.

15 . The method of claim 12 , wherein identifying customer financial usage patterns further comprises identifying usage patterns relating to at least one of merchant category preferences, transaction category preferences, product category preferences, merchant preferences, geographic locations, seasonal variety, spending level and recent changes from historic spending patterns.

16 . The method of claim 12 , wherein the savings opportunity relates to a financial instrument, a loan, a credit card, and a refinancing.

17 . The method of claim 12 , further compromising determining an increase in profitability associated with the savings opportunity.

18 . The method of claim 17 , wherein only savings opportunities with an associated increase in profitability are identified and communicated.

19 . The method of claim 12 , wherein customer financial usage patterns includes at least one of: merchant category preferences, transaction category preferences, product category preferences, merchant preferences, geographic locations, seasonal variety, spending level and recent changes from historic spending patterns.