Abstract: A method and system for improving marketing practices for merchants and banks, the method and system comprising advertising via a commercial offer solicited to a consumer, wherein upon noticing the commercial offer, the consumer is directed to a website for a facilitator; collecting data from the consumer at a website, wherein the data contains the consumer's personally identifiable information and purchasing preferences and needs; using the data to enable the facilitator to formulate a focused marketing plan based on the consumer's needs and preferences; and compensating the facilitator based on purchases made by the consumer resulting from said facilitator's focused marketing plan.