that only a few places actually require

只有少數地方真正要求

our physical presence.

我們的實際存在。

Somewhere in the past five to 10 years,

在過去的五到十年中的某一天。

going to the bank fell off that list.

去銀行的名單上沒有了。

The question is: What are banks doing

問題是：銀行在做什麼

to remain relevant even when they're no longer

即使他們不再是，也能保持相關

a stop in the middle of our day?

在我們的一天中停下來？

The banks that are affected by this mostly are

受此影響的銀行主要有

the midsize institutions.

中型機構。

The regional and community banks.

區域和社區銀行；

Can they replicate the offline

他們可以複製離線

personalized services that they are known for?

個性化的服務，他們以?

Midsize banks are still competing with large banks,

中型銀行仍在與大型銀行競爭。

but their direct competition is with fintech startups.

但他們的直接競爭對手是金融科技創業公司。

Platforms that they're instant, they're relevant,

平臺，他們是即時的，他們是相關的。

they're personalized, and they're human.

他們是個性化的，他們是人類。

This is where midsize banks should focus.

這是中型銀行應該關注的地方。

Banks that are at the forefront of innovation

走在創新前沿的銀行

can do much more than just go digital.

可以做得更多，不僅僅是數字化。

They will take whatever is possible with 5G

他們會接受一切可能的5G

to deliver a service that's fast and frictionless.

以提供快速、無摩擦的服務。

They'll need to build innovative, personalized

他們需要建立創新的、個性化的。

online services and use primary data

在線服務和使用原始數據

as opposed to just secondary data.

而不僅僅是二級數據。

It's important to understand that

重要的是要明白

whoever owns the primary data

主數據擁有者

owns the customer relationship.

擁有客戶關係。

When a bank has full visibility into its network,

當銀行對其網絡有充分的瞭解。

then with edge-to-edge intelligence,

然後用邊緣到邊緣的智能。

it can process data points securely in near-real time.

它可以近乎實時地安全處理數據點。

As a midsize bank, you might be aware

作為一家中等規模的銀行，你可能會意識到以下幾點

of your business client's growth.

你的企業客戶的成長。

Their revenue is increasing, team expanding.

他們的收入在增加，團隊在擴大。

You can cross-reference these data points

您可以交叉參考這些數據點

to build a more accurate

以建立一個更準確的

and insightful picture about them.

和關於他們的深刻畫面。

For example, giving them a loan

例如，給他們貸款

to invest in more property,

以投資更多的房產。

and then they'll connect you to

然後他們會把你連接到

a whole range of partners

一系列的合作伙伴

for renovation, for construction,

用於改造、建設。

for legal services.

為法律服務。

So playing a much bigger role in their customers' lives.

所以在客戶的生活中發揮著更大的作用。

No matter where digital experiences will take us,

無論數字體驗將把我們帶到哪裡。

personal banking will stay personal.

個人銀行業務將保持個人化。

This way, no matter where the bank's customers are,

這樣一來，無論銀行的客戶在哪裡。

they'll feel as if they're interacting

他們會覺得好像他們在互動。

with a trusted adviser.

與值得信賴的顧問。

Someone who knows them, who provides them with

一個瞭解他們的人，為他們提供

what they need without having to go into a bank.

他們不需要去銀行就能得到所需的東西。