Clairvoyix has developed a “packaged” database marketing system that eliminates the risk of implementing a “typical” marketing database by eliminating all development work. The solution is delivered over the Internet (SaaS). In addition, Clarvoyix has integrated workflows with the major consumer data houses (e.g., Equifax, Acxiom, others) to deliver consumer data services (email appends, prospect lists, cluster-coding, demographic data appends) at the lowest possible price. Additionally, Clairvoyix has fully integrated email, direct mail and mobile marketing capability to deliver highly personalized and targeted marketing communications across all channels.