1. A method of predicting financial behavior of a target consumer with respect to an offer or merchant, comprising: generating a merchant vector for at least a subset of merchants; for a reference set of consumers, obtaining consumer vectors and data describing financial behavior; obtaining a consumer vector for the target consumer; identifying at least one nearest neighbor to the target consumer vector among the reference set consumer vectors; and generating a behavior prediction for the target consumer by aggregating the financial behavior data of the consumers corresponding to the identified consumer vectors.