There’s going to be marketing opt out, for people who don’t wish to be targeted in this way. I understand your concerns, but I don’t mind it personally - right now. I’ll see how it works first, but that’s only based on the fact that I trust Monzo already. If some random financial company would like to do that (“give us all of your data and we’ll tell you what’s nice for you”), I’d start kicking and screaming. 
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