Disclosed are various embodiments for a predictive communication system. In one embodiment, a communication is received from a user, and a profile associated with the user is identified. Real-time activity data associated with the profile and obtained from one or more internal channels via a messaging bus is accessed. A redeemable value accumulation in the activity data is determined to have reached a specified threshold. An intent prediction alert associated with the communication is determined according to one or more of a plurality of intent prediction rules based at least in part on the redeemable value accumulation reaching the threshold, where the intent prediction alert includes a predicted reason for the communication.