We study the role of adjusting the sales intensity of financial advisers in determining investors' choice of purchasing channels and explore how banks take advantage of the “aspirations” deviation of investors to formulate the optimal strategy for making recommendations. Our research shows that the flexible allocation of financial services increases the profits of banks, but investors' surplus is often completely deprived. Interestingly, in online and offline channel competition, improving platform competitiveness may lead to increased, rather than decreased, profitability for banks. Moreover, with completely heterogeneous investors, strategic outcomes can be significantly different under the perception coefficient of different dispersion degree.