Keep an eye on Apple, who has active, direct financial relationships with a billion+ consumers[1].

Services like Apple Pay, Apple Pay Cash, Apple Pay on the Web, and iPhone Upgrade Program are pieces of a larger (if relatively slow-moving) strategy.

[1] In early 2014 Apple boasted of having 800+ million iTunes accounts, most of which have one or more associated credit cards. In September 2014, Bono leaked that Apple had shared a figure of 885 million. https://9to5mac.com/2014/09/22/u2-bono-apple-itunes/