1. A computer implemented method for user analysis, comprising: providing a processor for obtaining data sets related to a user including user data, interaction data, transaction data, and aggregate data; said processor analyzing the data relating to the user to identify behavioral characteristics; said processor parameterizing the data to generate behavioral scores based on behavioral characteristics and aggregate data; said processor generating a user profile for the user based on the behavioral scores; said processor generating a personalization engine based on the user profile; said processor targeting relevant content using the personalization engine; and said processor delivering personalized content to the user based on the targeting.