BCG波士顿咨询：2025年智能技术投资赋能银行业转型研究报告（英文版）

Refocus the product portfolio. Banks can reduce complexity, consolidating undifferentiated, low-returning products and focusing on fewer clearly distinct offerings with high strategic value. Such efforts can be difficult as many existing customers may hold those products. That’s why banks should also push to simplify and rationalize products’ underlying features, policies, and procedures—for both existing customers and for new business. Organize customer journeys with a front-to-back platform ap