1. A method comprising: executing, by a computer, a personalization assistant software tool, said software tool including a default member profile having default values for smart device features, a smart device feature being a parameter representing a requirement of an issuer dictating smart device usage; providing a user with a plurality of queries regarding said smart device features, said queries originating from said software tool; receiving from the user, responses to said plurality of queries, said responses being received by said software tool; matching each of said responses with an output data value, said matching being performed by said software tool, each of said output data values representing one of said smart device features and being suitable for personalizing a smart device; modifying said default member profile to include said matched output data values, said output data values replacing corresponding said default values for the smart device features; and generating a personalization data file from said modified default member profile, wherein said personalization data file is suitable for personalizing smart devices and provides said smart device features on each of the smart devices by way of said output data values.