BanTech Think Tank

Aug 12, 2025 · Industry Insights

Interview with Wu Sijie: Marketing Strategy Choices for Small Banks Amid Large Banks’ Business Down‑shift

Amid the accelerating down‑shift of large‑bank business, small banks face shrinking loan shares, tighter net interest margins, and digital capability gaps, prompting them to adopt four strategic levers—digital foundation, local differentiation, deep customer insight, and AI‑enabled offline marketing—to sustain growth and compete effectively.