The world of paying for goods and services is changing dramatically. What was once an anonymous, transactional experience predicated merely on convenience and cash is changing into a more personal, deeper relationship between a brand, a store, and a customer. The personalized experiences companies like Amazon, Netflix, or Disney deliver have created an expectation among customers that every shopping experience—whether for clothes, groceries, movies, books, or software— will be tailored personally to you, engineered for your convenience, and enhanced by an infinite stockroom.