Most clients are just marketing. Banks make money with your money. And 99% of stored money comes from 0.1% of their clients. Leverage coming from fractional-r

Most clients are just marketing. Banks make money with your money. And 99% of stored money comes from 0.1% of their clients. Leverage coming from fractional-reserve [1] is just a part of it but it gives you some idea. If you mean just credit cards, it's much different scale than what we're discussing here and a duopoly which is basically a money printing machine. If somebody has any insight how much money Visa/Mastercard make from banks and institutions vs users I'd love to hear it. But don't forget that apart from a small percentage which goes to CC provider, they also get the most valuable data there is about you as a consumer (and more generally about all consumers worldwide and trends across multitude of dimensions). I'm guessing these companies could easily survive just selling the data. 1. https://en.wikipedia.org/wiki/Fractional-reserve_banking https://en.wikipedia.org/wiki/Fractional-reserve_banking