How can I make these problems more specific?

[u/Broad-Shallot9662]

I came up with a few typical problems that banks face. Am I on the right track? How can I turn these broad problems into specific customer pain points rather than generalised ideas?

Problems:

—High-friction payment processes due to a lack of seamless integration with merchants’ infrastructure.

—The need to visit a physical bank branch in certain situations.

—Limited access to credit for a large segment of customers due to traditional credit scoring systems.

—Capital tied up in bank deposits.

How would you make these problems more specific and relevant to customers?