SYSTEMS AND METHODS USING FINANCIAL INFORMATION TO GENERATE A SOCIAL GRAPH AND DETERMINE PRODUCT AND OTHER OFFERINGS BASED ON CONNECTIONS WITHIN THE SOCIAL GRAPH

Systems and methods that may be used to generate and use a social graph generated by user financial transaction data (i.e., a financial transaction-based social graph). Connections and other data within the financial transaction-based social graph can be used for targeted product offerings, other offerings, and or advertisements via e.g., collaborative filtering and user segmentation and profiling.