We have a story for mobile banking: a customer applies for a personal loan online and gets an instant decision. The team estimated it at 21 points, but their capacity is only about 30 points per sprint. As the BA, how would you split this story?

手机银行要做一个 story：客户在线申请个人贷款，当场拿到审批结果。团队估了 21 个故事点，可团队一个 sprint 总共只能做大约 30 点。你作为 BA 会怎么拆这个 story？