Systems and methods for providing intelligent electronic communications

A method for providing an intelligent electronic communication to a consumer device using a recommendation engine. The method includes accessing consumer data, determining an adverse account event based on the consumer data, based on determining the adverse account event, generating, by a clustering process, a consumer group defined by a common characteristic of consumer activity, correlating the consumer account to the consumer group based, at least in part, on the consumer data corresponding to the consumer group, generating an intelligent electronic communication comprising one or more ranked product recommendations based, at least in part, on the consumer group, the one or more ranked product recommendations configured to include one or more unutilized product recommendations, determining an intelligent delivery mode to provide the intelligent electronic communication to the consumer device, and causing the intelligent electronic communication to be distributed to the consumer device in accordance with the intelligent delivery mode.