Chase Bank can make ads based on your spending history

Chase Bank recently launched Chase Media Solutions, a program that lets businesses advertise directly to Chase's 80 million customers.

• What makes these unique is that the ads will be based on your spending habits

Businesses are eager to reach the right customers, and Chase has large amounts of this data on what their customers buy. Chase will earn revenue by letting businesses advertise directly through the Chase app. Businesses only pay when a customer makes a purchase using a deal.

According to Companies Market Cap, they earned $155.3 billion (TTM) in revenue in 2023.

Many stores, like Best Buy, Marriott and Uber, have been doing this for a while. They use customer data to target ads on their apps and websites.

Chase Bank is the first major bank to jump on this trend. They have a unique advantage: spending data or transaction history which gives advertisers a clearer picture of shopping habits compared to other sources.

Amazon's new grocery could be a lifesaver

Amazon shoppers can get unlimited free delivery on grocery orders over $35.

This isn't exclusive for Prime members. According to Amazon themselves:

• For non-Prime members with an EBT card, there's a discounted version of $4.99 a month. They still get all the benefits of unlimited delivery on orders over $35 from Whole Foods Market, Amazon Fresh, and other local stores.

• Prime members pay $9.99 a month and get unlimited one-hour delivery on groceries, free 30-minute pickups and priority access to schedule recurring deliveries for their weekly essentials.

After months of testing, Amazon has partnered with local grocers and specialty stores to give 3500 US cities access to this, meaning customers can conveniently get their groceries – all for free with your subscription and an order over $35.

Scammers are using Telegram to sell phishing courses and tools

Guardio Labs has discovered that cybercriminals transformed Telegram channels and groups into a scammers paradise and a breeding ground for phishing.

On Telegram's dark markets, scammers can buy training courses on how to impersonate a national bank and launch phishing scams for $230 according to Inacom.

• It includes access to malicious tools, stolen data sets, and services to help them impersonate businesses.

Telegram groups act like online marketplaces full of cybercriminals, both seasoned and new. These groups offer things like:

• Phishing kits which are like pre-made websites designed to steal your personal information.

• Stolen data where scammers use the data to personalize emails, making them appear to come from a legitimate source like your bank or credit card company.

This means that Telegram’s 800 million monthly users give scammers access to a massive reach.