I don't think the most valuable part is trying to re-identify transactions down to users.. that would probably open a can of worms that has all kinds of liabili

I don't think the most valuable part is trying to re-identify transactions down to users.. that would probably open a can of worms that has all kinds of liability involved. That said, if you could look at it in aggregate, that makes sense and could be immensely valuable. When a pair of fraud researchers from Capital One made $2.8M in three years by looking at aggregate data and buying stocks based on it, I was only surprised it didn't happen earlier: https://www.bloomberg.com/view/articles/2015-01-23/capital-one-fraud-researchers-may-also-have-done-some-fraud https://www.bloomberg.com/view/articles/2015-01-23/capital-o... And then suddenly Yodlee, Mint, and the others made even more sense once they have scale.. (To be clear, this appears to be a form of insider trading and the two guys were prosecuted so probably not a plan to emulate.)