How would you increase Google Pay monetization by 10X?

To significantly increase Google Pay's monetization, we need to move beyond basic transaction fees and explore diversified revenue streams. This involves leveraging user data for targeted advertising and financial services, integrating premium features for businesses (like advanced analytics or loyalty programs), and potentially introducing a subscription model for enhanced user benefits or business services. Furthermore, expanding into new markets and offering innovative financial products tailored to specific user needs could drive substantial growth.