Henry Ford's Model-T automobile was the first car built on an assembly line with interchangeable parts, making it affordable for the masses. Prior to the Model-T, each car was custom-built for individual customers and were expensive to produce and maintain. While the Model-T came in one standard model and color, cars now come in many options for customers to choose from. However, most internet banking services still follow the one-size-fits-all approach of the Model-T rather than offering customized products tailored to individual customer needs and usage patterns. Adaptive systems that analyze user behavior could help banks develop new service alternatives better suited for different types of customers.