【中文版】

随着金融科技的不断发展，传统银行面临着前所未有的挑战。因此，银行转型成为了必然趋势。那么，银行为什么要转型呢？

首先，随着互联网技术的不断进步，互联网金融得到了快速发展。传统的银行模式已经无法满足客户对便捷性、安全性和效率的需求。因此，银行需要适应市场需求，向数字化转型。

其次，金融市场的竞争越来越激烈。不仅有来自同行业的竞争，还有来自金融科技公司的竞争。传统的银行模式缺乏灵活性和创新性，难以在激烈的市场竞争中立足。因此，银行需要通过转型提高自身的竞争力。

此外，随着监管政策的不断加强，银行需要更加规范和透明地运营。传统的银行模式难以满足监管要求，需要通过转型提高自身的合规性和透明度。

最后，银行转型也是为了更好地服务客户。通过向数字化转型，银行可以提供更加便捷、安全和高效的金融服务，满足客户的多样化需求。同时，银行还可以通过数据分析和挖掘，更好地了解客户需求，提供更加精准的金融服务。

总之，银行转型是为了适应市场需求、提高竞争力、满足监管要求和更好地服务客户。只有通过转型，银行才能更好地应对金融市场的挑战，实现可持续发展。

【英文版】

With the continuous development of financial technology, traditional banks are facing unprecedented challenges. Therefore, bank transformation has become an inevitable trend. So, why do banks need to transform?

Firstly, with the continuous improvement of Internet technology, Internet finance has developed rapidly. The traditional bank model has been unable to meet customer demand for convenience, security, and efficiency. Therefore, banks need to adapt to market demand and transform into a digital bank.

Secondly, the competition in the financial market is getting fiercer. There is competition not only from other industries but also from financial technology companies. The traditional bank model lacks flexibility and innovation and is difficult to compete in the fierce market competition. Therefore, banks need to improve their competitiveness through transformation.

In addition, with the continuous strengthening of regulatory policies, banks need to operate more standardized and transparently. The traditional bank model is difficult to meet regulatory requirements and needs to improve its compliance and transparency through transformation.

Finally, bank transformation is also to better serve customers. Through digital transformation, banks can provide more convenient, secure, and efficient financial services to meet diverse customer needs. At the same time, banks can better understand customer needs through data analysis and mining to provide more accurate financial services.

In summary, bank transformation is to adapt to market demand, improve competitiveness, meet regulatory requirements, and better serve customers. Only through transformation can banks better respond to the challenges of the financial market and achieve sustainable development.