In one aspect, a computing apparatus includes: a transaction handler to process transactions; a data warehouse to store transaction data recording a plurality of transactions processed at the transaction handler for a user; an anticipation engine coupled to the data warehouse to predict a future event relating to the user based on the transaction data stored in the data warehouse; a profile generator to generate a spending profile of the user based at least in part on the future event predicted for the user; and a portal coupled to the profile generator to provide the spending profile in response to a query.