A greater compilation of idiocy, I have not seen in some time.
We already have an enormous ecosystem of advertising fraud based on bots. These bots build their user profiles precisely through mimicking "good" customer profiles via prime web site visits in order to parlay themselves into good advertising subjects - then go on to harvest ads.
These numbskulls in the IMF are proposing to use DoubleClick/Facebook Pixel type data gathering so that these same fraud gangs can now directly open credit cards and bank accounts.
-10 points for blatantly repurposing an existing business practice as "original research"
-20 points for failing to consider the myriad ways by which their already plagiarized proposal can be abused
Biting the hand that feeds IT
