Core Insights - The retail competition logic in China's banking industry has dramatically shifted from "who has more branches and customers" to "who understands customers better and operates more effectively" [1] - Leading banks are leveraging strong data processing capabilities and intelligent operational systems to gain insights into customer intentions more quickly and accurately, putting unprecedented pressure on smaller banks in local markets [1] Group 1: Industry Changes - The competitive landscape has evolved, making it essential for banks to have real-time awareness of customer behavior and to conduct marketing based on these behaviors [4] - The advantage of regional banks claiming to understand local customers is diminishing in a data-driven competition [5] - The key moments of customer behavior are now critical for conversion success, with larger banks able to respond in real-time to potential customer actions [5][15] Group 2: Challenges for Smaller Banks - Smaller banks often lack the ability to perceive customer needs in real-time, leading to delayed responses compared to larger banks [4] - Traditional marketing methods employed by smaller banks, such as manual follow-ups and bulk messaging, are less effective than the data-driven approaches of larger banks [5] - The common issue for smaller banks is not the absence of data, but rather the inability to form a systematic approach to marketing and customer engagement [12] Group 3: Solutions Offered by Zhuge Intelligence - Zhuge Intelligence has launched the "Zhuge Intelligent Marketing Solution," which focuses on a three-pronged growth system of data collection, management, and utilization [3] - The solution aims to transform scattered data into actionable insights, enabling smaller banks to enhance their digital marketing effectiveness and achieve higher conversion rates [3][11] - By building a unified customer label system and real-time profiling, Zhuge Intelligence helps smaller banks gain a deeper understanding of customer financial states and intentions [11] Group 4: Operational Efficiency - Zhuge Intelligence emphasizes the need for a continuous and reusable marketing framework, moving away from one-off campaigns to a sustainable operational system [14] - The intelligent marketing platform enables real-time event processing and immediate operational capabilities, allowing banks to respond to customer actions within seconds [17] - The company provides support through templates, methodologies, and operational services to help smaller banks implement systematic marketing capabilities at a lower cost [17]