How do Revolut and Stripe leverage customer data? I suppose Stripe has some fraud detection, but I haven't heard of anything game changing. For Revolut, I can't

How do Revolut and Stripe leverage customer data? I suppose Stripe has some fraud detection, but I haven't heard of anything game changing. For Revolut, I can't really think of much. FB has the most targeting-centric ad business by far. In dollar terms, I can't think of anyone earning as much from customer data as FB.