In the contemporary era of mobile Internet, the establishment and advancement of online and mobile ecosystems have transformed the landscape of retail banking. Channels such as mobile banking, online banking, and WeChat banking now predominantly handle the majority of retail banking operations. Moreover, electronic payment systems, credit card installment plans, and Internet lending services have seamlessly integrated into daily Internet usage scenarios. Notably, these environments are increasingly controlled by Internet companies rather than traditional banks. Consequently, the distinctive advantage that banks once held through their widespread offline branch networks is diminishing. Recent trends in the banking industry reveal a continued decline in the number of customers visiting physical branches to conduct business. Instead, branches are progressively serving as venues for high-end clientele, in-person contract signings, and specialized services. Conversely, the Internet has emerged as the principal platform facilitating interactions between banks and a vast demographic of ordinary customers. A significant proportion of retail banks’ deposits and assets under management (AUM) are contributed by these ordinary customers, whose engagement critically influences the overall performance of retail banks. Hence, it is imperative to develop strategic models for the online management and operation of retail customer segments to sustain and enhance their contributions to the retail banking sector.