The problem isn’t technical, it’s social. I don’t want my bank, and some “global payment network” that can easily lobby its way out of real data oversight, to know my transit patterns and habits.
"This guy takes the train once early in the morning, then again in the evening", exactly like 10 million people in the city, maybe?
It's data. For some reason they're willing to pay to get a transit data for as much as possible people in several countries.