Adyen today announced the launch of Personalize, a new product within its Adyen Uplift payment optimization suite. Personalize allows businesses to adjust their checkout pages in real-time based on individual shopper preferences, making it easier for customers to pay while reducing processing costs for the merchant.
The addition of Personalize builds on the overall success of Adyen Uplift, which launched in January 2025. In its first year, Adyen Uplift helped businesses lower payment costs by 9.4% on eligible traffic while reducing false positives (blocking legitimate transactions) by 42% on average. Additionally the 6,500+ businesses that are using Adyen Uplift saw an average increase of 1.19% in payment conversion rates above standard industry baselines, reaching up to 6% for some customers. These results stem from optimized routing and the prevention of unnecessary blocks triggered by inefficient risk configurations. The new Personalize product goes a step further, focusing on the early customer journey, routing shoppers to optimal payment methods to maximize both merchant savings and conversion rates.
Addressing checkout friction
Traditional online checkouts are often rigid, showing the same payment options and security steps to every shopper regardless of their history or preferences. This lack of flexibility is a leading cause of lost sales, with Adyen’s research showing that 37% of shoppers abandon a purchase if the process takes too long. Additionally, 72% of businesses report that high transaction fees continue to put significant pressure on their profit margins.
Personalize addresses these challenges by adding a Dynamic Identification layer to the checkout experience. By leveraging insights from trillions of dollars in transaction data and Adyen’s global banking infrastructure, businesses can now recognize shoppers and adapt the payment experience before they click ‘pay.’ This allows businesses to automatically order payment methods based on what a specific customer is most likely to use, creating a faster, more user-friendly experience that reduces abandoned carts.
Improving efficiency and security
Beyond speed, Personalize improves margins and security by highlighting cost-effective payment methods and identifying risk signals before a payment is even attempted. These optimizations, supported by detailed reporting, A/B testing capabilities, and configurable UI components, allow merchants to pinpoint friction and validate performance in real-time. As a result, early data shows businesses can improve conversion rates by up to 6% and lower transaction costs by up to 3%.
Turning payments into a strategic advantage
Results from initial pilots demonstrate how Personalize helps businesses manage transaction costs while improving the shopper experience. Hospitality tech platform, Tebi, saw a 4.26% saving alongside a 0.8% lift in checkout conversions. These results show that real-time checkout customization can protect margins without adding friction to the customer journey.
The Personalize module is available now to Adyen customers as part of Adyen Uplift. For more information, read here.
Kyndryl unveils Agentic AI workflow governance
Posted in Commentary with tags Kyndryl on February 11, 2026 by itnerdKyndryl today announced an innovative capability for creating policy-governed agentic AI workflows to enable enterprises to scale agentic AI across complex and highly regulated environments. Kyndryl’s policy as code capability translates customers’ organizational rules, regulatory requirements and operational controls into machine‑readable policies that govern how agentic AI workflows execute, to support consistent, auditable and trustworthy outcomes.
Customers want to reap the benefits of integrating agentic AI into their operations, but security, compliance and control challenges inhibit trusted deployment of AI agents. In fact, 31% of customers cite regulatory or compliance concerns as a primary barrier limiting their organization’s ability to scale recent technology investments.
Kyndryl’s policy as code capability addresses these concerns by defining operational boundaries and designing agents actions to remain explainable, reviewable and aligned with the customer-defined business and regulatory requirements. This combination also helps reduce costs, accelerate decision-making, eliminate errors and power AI-native workflows within defined policy guardrails.
Policy as code is a critical element of the Kyndryl Agentic AI Framework, providing a logical enforcement layer that dynamically governs how AI agents execute, interact and operate across systems. Kyndryl’s approach to codifying compliance into enterprise workflows is strengthened by insights drawn from decades of operating complex enterprise environments and the nearly 190 million automations the company manages every month for these mission-critical systems. These operational foundations enable more reliable governance, improve agent explainability and reduce unexpected behaviors in production environments.
Embedding policy-governed agent workflows into business operations
Kyndryl policy as code enables governance of agentic workflows and is bolstered via differentiated capabilities, including:
Kyndryl’s structured approach to managing agentic workflow execution supports controlled and safe deployment of policy-constrained autonomous agents in sectors such as financial operations, public services, supply chains and other mission-critical domains where reliability and predictability are essential.
Learn more by connecting with a Kyndryl Consult expert to design, implement and operate agentic AI solutions governed by the company’s enterprise-grade policies, oversight and compliance controls.
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