Abstract: An organization may identify target groups of consumers based on credit data meeting one or more pre-defined criteria and offer the identified individuals products and/or services that include favorable rates, benefits and/or incentives related to activities regularly engaged in by the individuals. Credit data may be mined from, for example, a credit bureau to identify individuals with credit scores in various percentiles as compared to all other consumers in a particular market or geographic region. Various types of transaction data associated with these individuals may then be obtained and analyzed to determine activities (e.g., tasks, chores, errands, activities, etc.) repeatedly engaged in by at least some percentage of the identified individuals, which may then be used as bases for offering certain products and/or services that include incentives or benefits more-specifically tailored to potential interests.