FinTech has rapidly reshaped the financial services landscape, presenting significant challenges for traditional banks. In your view, what are the primary challenges traditional banks are grappling with due to FinTech innovation, and if you were a strategic advisor to a large incumbent bank, what strategies would you propose to help them maintain their competitive edge and achieve sustainable growth?

随着金融科技的快速发展，传统银行面临巨大挑战。你认为这些挑战具体体现在哪些方面？作为一家大型传统银行的战略顾问，你会提出哪些应对策略来帮助银行保持竞争力并实现可持续发展？