Please in your own words, please dont copy and paste , HOW BANKS USE YOUR HISTORY OF FINANCIAL TRANSACTIONS to market new loans and services to you. What is this "segment of one" analysis? Were you even aware your bank might be analyzing your data like this? Do you consider this practice to be helpful and useful or do you consider it an invasion of your privacy? (Note I am asking for your opinion here so there is no right/wrong answer - however please give a reasoned opinion, and if you offer facts to support your opinion make sure to supply your sources.) Does your bank even allow you to "opt-out" of marketing techniques like this?