1. Homogeneity of customer group division: Traditionally, the banking industry has established a quantitative assessment system for customers based on various indicators that banks can grasp. Customers are mainly divided into young customers, middle-aged customers and elderly customers through age indicators. Or subdivide customers into wealth and private banking customers through personal financial assets.

2. Homogenization of financial services: At present, the positioning of major banks in terms of customers, products, regions, etc. is extremely similar, and most banks' customer portraits and customer labels have been solidified for a long time, which makes it impossible to adjust and follow up in time and effectively. This will easily lead to a serious dislocation between the financial services provided by banks and the actual experience of customers.