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The Business case for the AMAZON bank

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This post is not should Amazon create a bank, just would BigTech companies do better at the retail FinTech/ banking functions because of the data they hold on you and me? --- All of Amazon’s reporting data is here , Q4 will be released on 31.1.2019. We know from the existing reporting that they have passed 500,000 employees, added $5Bn to cash and sales income of over £200bn. Whilst the Q10 reporting give numbers, facts and a short section on risks there is no mention of data. Can AMAZON or any other BigTech buy an existing international retail bank in cash – yes, but would they be able to do any better? Ignoring the specific relationship that customers have with Amazon and these same customers with their banks, the regulation frameworks and that Amazon has a range of credit/ gift card offers right now; the question:- “Is any of the BiGTech’s data set on me (and you) provide an advantage insomuch that it would enable them to make better decisions as a “bank” that say y