It is certainly possible that these different approaches to the use of data on the one hand and access and fees on the other are linked. So there are issues to consider here too. Beyond the issues raised by digital wallets, there are other competition issues raised by the 2/6  BIS central bankers' speeches  involvement of the big tech companies in payments.
These companies are mostly platform businesses that facilitate interactions between different types of users of their platform. They have very large user bases, benefiting from strong network effects that can make it hard for competitors. Data analysis is part of their DNA and they have become increasingly effective at commercialising the value of data they collect and analyse.