In "genuine technology improvements which will split my friends right down the middle", you can now authorize Bank of America to geolocate you constantly via the iPhone app and use that factor as a signal in generating credit card declines.
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Many banks use a "call us before you travel" (which has migrated to web apps because calls are $$$) model for this, since bouncing someone's CC at their hotel is a terrible user experience, and sometimes people really do have to buy a Macbook when traveling.
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The "I love admin screens let me count the ways" engineer in me thinks that it's likely an actual note genuinely affixed to the right record, but since it's unstructured data, not used as a signal for automated processes.
End of conversation
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