Sometimes I'm baffled how basic functionality is considered innovation in other places.
Where I live most banks allow turning online payments on and off, and you can issue a virtual card for your account and then set any limits on it. Stripe is barely used because business use their bank's acquiring and some of them allow logging in and saving payment details. Some banks have automatisation, but AFAIK it's not popular. For example, suggestions and quick buttons to do repeated patterns (like transfer X amount from my paycheck to savings account). There's even "round my purchases up and use extra to buy ETF" feature.
All these things are made inside the banks and don't require fancy technology. I think western engineers in finance are busy trading stocks rather than coding some basic user interactions.
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