“That’s because consumers’ expectations are changing. They expect personalization — with Mastercard’s own studies showing that 70% of individuals expect a ‘more personalized experience tomorrow than they received yesterday.’ PYMNTS Intelligence data shows that less than half of shoppers find the offers they get from merchants to be ‘very relevant’ to their needs, while more than 40% of shoppers would switch to enterprises that offered better personalization. Millennials are among the cohorts most apt to make the jump to a new provider as they interact with those merchants instore and across digital channels.”