Note that the study being cited is by Sift, a YC company that has been heavily monetizing your own transaction history: https://www.nytimes.com/2020/01/15/techn

Note that the study being cited is by Sift, a YC company that has been heavily monetizing your own transaction history: https://www.nytimes.com/2020/01/15/technology/data-privacy-law-access.html https://www.nytimes.com/2020/01/15/technology/data-privacy-l... Max Levchin sort of tore apart Sift trying to get it to spit out money. I’m sure being able to play chargebacks from both sides was always his dream.