1. A method comprising: determining account data associated with the financial account; determining a first performance target that is associated with the financial account; determining a reward offer, in which the reward offer is associated with at least one reward term; transmitting an indication of the first performance target to the account holder; transmitting an indication of the at least one reward term to the account holder; receiving transaction data that is associated with the financial account; and determining a second performance target based on the transaction data, in which the second performance target is associated with the financial account.