Abstract: Systems, methods and apparatuses for synthesizing recommendations from financial data are provided. In one embodiment, a method is presented. The method includes receiving financial transaction data from a plurality of users related to a set of merchants. The method also includes deriving from the financial transaction data of the plurality of users a rating for each merchant of the set of merchants having associated financial transaction data. The method further includes providing the ratings for the merchants of the set of merchants to a community of users including the plurality of users.

Abstract: Systems, methods and apparatuses for synthesizing recommendations from financial data are provided. In one embodiment, a method is presented. The method includes receiving financial transaction data from a plurality of users related to a first merchant. Furthermore, the method includes deriving from the financial transaction data of the plurality of users a rating for the first merchant. Moreover, the method includes receiving financial transaction data from a plurality of users related to a second merchant. Also, the method includes deriving from the financial transaction data of the plurality of users a rating for the second merchant. Additionally, the method includes providing the rating for the first merchant and the rating for the second merchant to a community of users including the plurality of users.