Abstract: A system, method, and apparatus for recommending products and services are disclosed. An example apparatus includes a recommendation engine configured to determine salable items purchased by a consumer, the salable items including salable items purchased from a plurality of merchants and from a plurality of salable item categories and receive a rating from the consumer for each of the purchased salable items. The recommendation engine is also configured to determine cohort consumers from among consumers by selecting consumers who have purchased at least some of the salable items and rated those salable items similar to the ratings provided by the consumer. The recommendation engine determines salable items to recommend for each salable item category by determining recommendable salable items from direct and/or inferential matching based on other salable items purchased by the cohort consumers. The recommendation engine transmits information associated with at least some of the recommendable salable items.