Wing Hang balance transfer TVC

A new Wing Hang balance transfer TVC is on air recently. The THINK POSITIVE platform of this campaign is a pretty good one as it connects to the needs of the consumers. I have to say it's not easy to advertise for loan products. The product itself is so generic. To consumers, it doesn't really matter where they borrow the money as long as the interest is low enough and the borrowed amount is large enough. For banks, the borrowed amount is governed by various rules and calculations depending on individual situation. In regard to interest rate, it is a crucial factor that directly affects their profitabilities and it's so dynamic depending on the demand and supply of the money market. With both hands tied, It's so hard to come up with product innovations per se. At the end, there is no product difference to talk about. All these ads just work to generate top of mind awareness. Nothing more. Nothing less.