A system generates a consumer decision tree (“CDT”). The system receives customer purchasing data that includes transactions of a plurality of products each having at least one product attribute. For a product category, the system identifies a plurality of similar products from the purchasing data and one or more attributes corresponding to each similar product. The system assigns the product category as a current level of the CDT, and determines a most significant attribute of the plurality of attributes for the current level. The system forms a next level of the CDT by dividing the most significant attribute into a plurality of sub-sections, where each sub-section corresponds to an attribute value of the most significant attribute. The system then forms a next level of the CDT for each sub-section until a terminal node is identified.