The disclosed embodiments provide a system that facilitates electronic communication among users. During operation, the system obtains financial data as a set of financial transactions. Upon receiving a request to transmit a message, the system obtains one or more recipient attributes from the request. Next, the system uses the financial transactions to identify a set of recipients that matches the one or more recipient attributes. The system then transmits the message to the set of recipients without revealing the PII for the set of recipients to a creator of the message.