{"page":"/blog/glba-advertising-bank-data","modified":"2026-10-18","license":"https://creativecommons.org/licenses/by/4.0/","columns":["Network","Launch","Data used","Where ads run","What advertisers receive","Consumer control described","Sources"],"rows":[["Chase Media Solutions (JPMorgan Chase)","3 April 2024; 80 million customers at launch; built on Figg (acquired 2022)","First-party transaction data across $1.94 trillion of annual card sales; offers targeted on purchase history","Chase Offers inside Chase's owned channels (app, site, email)","Campaign views, redemptions and incremental-lift reports via a performance dashboard; brands are charged only when a customer views and purchases; no statement that advertisers receive customer records","GLBA notice (December 2025): sharing \"for our marketing purposes\" cannot be limited; \"for nonaffiliates to market to you\" can be limited by phone or at chase.com/privacypreferences; online policy offers DAA opt-out for interest-based ads","Chase, 3 April 2024; Chase Media Solutions; Chase privacy notice; Chase online privacy policy, September 2023"],["PayPal Ads (PayPal, Venmo, Honey)","Onsite earlier; Offsite Ads 29 April 2025 (US); Germany and UK 17 September 2025","Transaction graph of more than 430 million consumer and merchant accounts across about 200 markets; \"actual cross-merchant purchase data\"","PayPal properties; Offsite display, video and CTV on third-party sites and apps","Audiences based on \"real shopping intent\" and closed-loop measurement; the press release describes \"strict privacy protections\" and \"privacy-safe messaging\" without stating what advertisers see","Personalized-shopping sharing with merchants effective 27 November 2024; opt-in for California, North Dakota and Vermont, opt-out elsewhere via Data & Privacy settings; accounts found opted in by default at launch","PayPal, 17 September 2025; PPC Land, 29 April 2025; Digital Transactions, 1 October 2024; 404 Media, 1 October 2024"],["Mastercard Commerce Media","1 October 2025","\"Permissioned data\" linked to 160 billion annual transactions; about 500 million enrolled consumers; Dynamic Yield personalization","Mastercard owned channels and partner bank and publisher inventory; point of sale and wallets planned","Audience identification and purchase attribution; about 25,000 existing advertisers; company claim of up to 22x return on ad spend; no statement on whether individual-level data is shared","Described as \"permissioned\"; the coverage does not explain how consent is obtained or managed","Marketing Dive, 1 October 2025"],["Amex Ads (American Express)","6 October 2025","First-party spend data across online and offline purchases on Amex and partner cards; \"360-degree view\" of card-member spend","AmexTravel.com first, other Amex-owned platforms later; direct-sold","Targeted placements and measurement linking exposure to online and offline sales; pilot results reported for Marriott Bonvoy and Tumi; the coverage does not describe consent, opt-out or what advertisers see","Not addressed in the launch coverage beyond an executive statement about maintaining privacy and security","MediaPost, 6 October 2025; Axios, 6 October 2025"]],"sourceUrls":[["https://media.chase.com/news/chase-launches-chase-media-solutions","https://www.chase.com/mediasolutions/home","https://www.chase.com/digital/resources/privacy-security/privacy/consumer-privacy-notice","https://www.chase.com/digital/resources/privacy-security/privacy/online-privacy-policy"],["https://newsroom.paypal-corp.com/2025-09-17-PayPal-Expands-Offsite-Ads-to-Germany-and-the-UK","https://ppc.land/paypal-launches-offsite-ads-with-transaction-data-targeting/","https://www.digitaltransactions.net/paypal-updates-its-user-agreement-to-collect-more-personalized-information/","https://www.404media.co/paypal-personalized-shopping-opt-out/"],["https://www.marketingdive.com/news/mastercard-bigger-grab-commerce-media-dollars-new-network/761568/"],["https://www.mediapost.com/publications/article/409646/american-express-unveils-digital-ad-platform-using.html","https://www.axios.com/2025/10/06/amex-ads-american-express-media"]]}