The point about consumers abandoning purchases due to the lack of preferred payment methods is quite revealing. It indicates that personalization is not just about offering new features, but also about meeting fundamental expectations around convenience and user choice. This aligns with Softjourn's top payments industry trends for discussions, where hyper-personalization and the use of item-level data are presented as part of a broader shift toward more tailored payment experiences. Such developments suggest a significant evolution in customer-centric approaches within the financial sector and could influence how payment processors and neobanks differentiate themselves.