I don't have a problem with online payments, and I'm not using a banking app.

There are 'browser.ml...' settings in the config that are on by default.

The provider seems to be blank by default until you try to use the chatbot in the sidebar and choose which one to use.

Different experiences may come from their "remote settings", where they toggle rollout/enabling of features depending on results from API calls to Mozilla servers.

Defaults may differ by inferred country, for example.

I don't believe this remote-toggling can be disabled via config, even if you'd expect it covered by "experiments".