[vegannet]

I think people like yourself value “data” too much. The value of financial data is that it can be used to target financial products: if you’re a bank why would you cut in a middleman on that? Look to any financial services company trying to make money through “data” and you’ll see they have direct relationships with advertisers that integrate directly into their product through “recommendations”. This is very well established and very very profitable — see nerdwallet, CreditKarma etc.