SHIFT · US
Banks leverage transaction data to enter commerce media and advertising
Financial institutions with large card portfolios are monetizing cross-merchant spending data by entering the commerce-media market, competing with retailers and payment networks. Banks see transaction intelligence as a new revenue stream.
WHY IT MATTERS
Banks using AI to extract advertising value from transaction networks creates regulatory scrutiny on data monetization and consumer privacy; shifts BFSI margin model beyond fees.
Source: PYMNTS · 2026-09-24