# Banks Use Transaction Data for Commerce Media

> Banks leverage card spending to create new ad revenue streams.
- Title: Banks Use Transaction Data for Commerce Media · Pymnts
- Summary: Banks leverage card spending to create new ad revenue streams. Banks like Citi and JPMorgan Chase use transaction data to target ads and generate revenue…
- Keywords: commerce media, citi, jpmorgan chase, mastercard, fis, interchange fees, advertising, business, finance, Banks, Use, Transaction
- Source: Pymnts — https://pymnts.com/commerce/2026/banks-put-transaction-data-to-work-in-commerce-media
- Author: PYMNTS
- Published: 2026-09-23T23:03:14+00:00
- Read time: 1 min
- Topics: commerce media, citi, jpmorgan chase, mastercard, fis, interchange fees, advertising, business, finance
## What is commerce media?
Commerce media spans multiple merchants and channels beyond single retailer ecosystems.

> Mastercard describes commerce media as the broader category spanning merchants, industries, channels and consumer touchpoints
## Banks build commerce media businesses
Citi launched commerce media using 70 million customers and 6.5 billion transactions.

> Citi Commerce Media uses insights from more than 70 million U.S. customers and 6.5 billion annual transactions
## JPMorgan Chase and Mastercard follow
JPMorgan Chase targets 80 million consumers with merchant offers through Chase Media Solutions.

> Chase Media Solutions uses transaction information from roughly 80 million consumers to target and measure merchant offers
## FIS offers item-level data
FIS matches offers to items at checkout using real-time purchase information.

> FIS’ Smart Basket can match offers to individual items at checkout using real-time, item-level purchase information
## Consumers miss offers
Half of checkout offers go unseen, costing $42.4 billion in missed discounts.

> An April PYMNTS Intelligence study found half of offers available at checkout went unseen
## Merchants want better promotions
58% of merchants used checkout promotions last year, but data access limits personalization.

> 58% of 60 surveyed grocery, retail and restaurant merchants had used checkout-integrated promotions
## Issuers seek checkout promotions
90% of issuers want embedded checkout promotions despite data control concerns.

> 90% of surveyed issuers were very or extremely interested in embedded checkout promotions
## Key takeaway

Banks like Citi and JPMorgan Chase use transaction data to target ads and generate revenue beyond payment fees.