Can't really get much better. The apps / platform are directly connected to the bank anyway, they know all the personal very detailed info of our lives already - physical address, copies of id cards, full names, parents names, phone numbers, place of employment, etc. if there's one thing we can't escape from is this. As long as things are compartmentalized enough and personal info doesn't leak... Digital money binding us to our owners...

Yesterday I paid online for something using the equivalent in my country (mybway) and less than 5min after I had a push notification in the phone asking if I wanted insurance for my pets (i bought something on a pet store).