Customization. Your payment app, for example: should it have a social feed, like venmo? Integrations with websites, like PayPal? Take credit cards, like square? What payment methods will you support? How are user accounts handled? Can they hold a balance in your app, or is it bank to bank? You could keep asking questions forever. Ultimately, we still need programmers to implement whatever answers we come up with to these questions.
However, much of it is abstracted away now - if you're making a payment app, you're probably going to use stripe, because that's a hell of a lot easier than bootstrapping your own credit card processing system. If it has a web version, you're probably going to use a js framework or two, to abstract away boring things like handling state and manipulating the DOM.
Until a computer can read your mind to know exactly what program you want, you'll still need to do some programming
However, much of it is abstracted away now - if you're making a payment app, you're probably going to use stripe, because that's a hell of a lot easier than bootstrapping your own credit card processing system. If it has a web version, you're probably going to use a js framework or two, to abstract away boring things like handling state and manipulating the DOM.
Until a computer can read your mind to know exactly what program you want, you'll still need to do some programming