"There's a ton of regulatory pressure right now in the U.S. and in the U.K. and other countries, along with competitive threats with things like BNPL eating into credit card market share," said Grace Broadbent, senior analyst of payments at eMarketer.
FMNs, like Chase Bank and Revolut, are leveraging their rich consumer data to diversify revenue streams and compete with retail media networks (RMNs) by building their own ad networks.
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