Provided are techniques for providing personalized recommendations. One or more transactions are received from one or more customer interaction channels. The received one or more transactions are stored in an incremental data store. One or more predictive rules are generated based on the received one or more transactions and based on one or more transactions previously stored in the incremental data store. In real-time, one or more personalized recommendations specific to a user and to the received one or more transactions are generated using the one or more generated predictive rules.