請依下文回答第 21 題至第 25 題
      The ability to conduct banking activities via a sleek mobile app is no longer enough to satisfy consumers— it’s table stakes.
      To   21   themselves from others, banks now endeavor to provide users with additional tools that keep
them being engaged in-app and enable them to better manage their financial lives. Yet it seems that many are coming up   22   in bringing forth these solutions — 31% of US consumers aren’t managing their finances, according to a report from a Canadian technology supplier. This indicates that banks need to put more effort into   23   robust personal finance management (PFM) features that pull consumers in. PFM tools used to focus mainly on tracking spending, but they now extend to helping people manage their overall financial health, investments, and savings.   24   , one of the main issues with PFM is that it doesn’t bring in direct revenue, and it’s been   25   for decades as a result. Instead, banks tend to focus on how to increase uptake of revenue-generating products like mortgages. But, with customer-centric fintechs pushing PFM tools to the fore, incumbents are starting to wake up to the value of these offerings.
【題組】21
(A) dilute
(B) dislocate
(C) differentiate
(D)deteriorate