[motohagiography]

The convention in Canada was there were limits on how much customer PII banks and the payment networks could collect, use, and share or sell, and how. "Monetize," in my comment means "sell to others like a social platform / ad-tech company," whereas I would agree it could be monetized in other ways.

What I see is that Stripe doing IAM for platforms and services that people use daily sets them up to dominate retail and small business banking services if they wanted to go there.