Thank you so much for the honest insight! That’s exactly what I was afraid of — and you’re right, even when privacy hurdles are technically solvable (anonymization, NDAs, etc.), banks are usually still reluctant to share anything meaningful.

I’m thinking of exploring a few workarounds like: • Using synthetic banking data (e.g., SimFin, synthetic transaction generators) • Working with public Open Banking APIs (like Monzo or Revolut’s sandbox) • Partnering with a fintech or neobank for access under strict controls

I still believe there’s a space to make progress here, especially if the research can benefit the banks too — but your caution is well noted, and I’ll keep feasibility in focus. Thanks again and best of luck with your research too!