Under the guidance of the “decentralization” business thinking of the Internet, “open banking” and “ecosystem integration” have become frequent keywords. On the one hand, bank products seamlessly integrate into the ecological scenarios of other industries; on the other hand, products from other sectors are consigned to banks for distribution. This includes not only financial products like funds, insurance, and trusts from third-party financial institutions but also rural revitalization and manufacturing products consistent with national policies. The advantages of online sales—such as wide customer reach, 24-h availability, ease of data statistics, and continuous marketing based on customer demand—have led many third-party institutions to opt for online distribution models. As a result, fewer customers visit bank branches, leading more banks to showcase and sell products online.