Banks and credit card companies sell all of your transaction data for similar analytics purposes. Do a few google searches for "mortgage refinancing", then clic

Banks and credit card companies sell all of your transaction data for similar analytics purposes. Do a few google searches for "mortgage refinancing", then click a few blogs, and watch as you are followed by mortgage ads for months. Kenya is less formalized, so they derive the data from phones rather than a backhanded way via your payments history. I'm not defending this practice, just letting you know that the same thing happens whether you are rich in a developed country or poor in a developing country.