“Bricks and mortar” bank branches and people-to-people interaction is still highly valued, although their role is rapidly changing to focus on meeting customers’ wealth management and more complex needs. Paperless, branch-less “clicks and apps” banking allows banks to service most of their customers’ transactional needsmore efficiently and quickly, around the clock – whether they are in Shenzhen, Shanghai, rural Sichuan, or on holiday in Thailand.

“实体”银行网点和人与人面对面的互动仍然受到高度重视，尽管它们的角色正迅速变为专注于满足客户对财富管理和较复杂业务的需求。无纸化、不用去柜台的“点击应用”服务，使得银行可以24小时更高效、更快捷地服务于大多数客户的交易需求，无论他们是身处深圳、上海、四川农村，还是正在泰国度假。

Few people could have imagined the changes sweeping China’s retail and banking scene just five years ago. The next five years are sure to bring still more change. Banks and retailers will need to be nimble, and anticipate the future needs and preferences of China’s 1.37bn shoppers. Those who get it right will find the size of the prize is immense.

就在五年前，还几乎无人可以想象如今席卷中国零售和银行业的变革。接下来的五年必然还会带来更多变革。银行和零售商要灵活应变，提前预测13.7亿中国购物者的未来需求和偏好。那些预测正确的人会发现，奖励是丰厚的。

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