Abstract: The present invention is a system which enables a marketing team to initiate and sustain directed and interactive communication with thousands or millions of existing or prospective customers. In the preferred embodiment, a marketer accesses a database and selects a group of qualified prospects, using lifestyle dimensions and or demographic information, from a stable group of prospective or existing customers conducting financial transactions online. Once a prospect list is selected, the marketer designs a series of questions, typically using branch and skip logic, and the system deploys the question sequence to the target list in the form of a response-redeemable savings coupon. When prospects are next performing their financial transactions online, they are presented with a lifestyle-relevant coupon which is immediately redeemable by responding to the question/communication, therewith lowering the respondent's bill instantaneously upon response, as in the case of online bill payment.