Question: How does IoT devices improve the user experience for Fintech companies that are in the consumer market? By collecting usage data and reselling it to

How does IoT devices improve the user experience for Fintech companies that are in the consumer market?
By collecting usage data and reselling it to 3rd parties
By collecting usage data and promote 3rd party products relevant to the individual consumer
By collecting usage data to improve user interface
Offer dynamic pricing without user input

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