Abstract: According to one aspect of the present disclosure a method and technique for predictive modeling of customer behavior is disclosed. The method includes receiving customer data from a plurality on non-affiliated vendor properties, anonymizing at least a portion of the received customer data and merging the anonymized customer data from each vendor property into a consortium database, and generating at least one predictive model of at least one behavior variable associated with at least one customer represented in the consortium database, the predictive model enabling identification of at least one stimuli likely to affect a desired response by the customer based on the predictive model.