This invention relates to consumer data collection and marketing. Previously, consumers were deprived of opportunities to earn money and other rewards from businesses for sharing valuable information about themselves. Embodiments of the present invention use a personal data marketing disintermediation service that enables a consumer to configure engagement settings and personal data access rules, rates, and schedules that manage vendor access to consumer personal data. A cognitive and predictive analytics-driven marketing service performs predictive analytics to match the consumer's syndicated persona with context-relevant offers from vendors. A cross-channel marketing and payments operations integration service enables users to earn money from vendors who pay for licensed access of the personal information, to store the earned money in a secure stored value payment device, and to spend earned money through any of several marketplace channels.