产品同质性是企业采用策略，指产品是否同质。
目前，因为市场产品同质性高、竞争激烈、利润低的原因，面临着逐步衰退，被运营商和消费者抛弃的境况。
But because of the same quality of the product in the market, intense competition, and the low profits, the card faces with gradually recession and the situation of abandonment by the operator.
新的金融产品，卡罗·米利斯说，将会减少神秘性而具有更多的同质性，这样买主就会准确地知道他们买的是什么而卖主准确地知道它值多少钱。
New financial products, says Calomiris, will be less arcane and more homogeneous so that buyers know exactly what they are buying and sellers know exactly what it is worth.
消费者在大量的同质性产品面前，需求逐渐趋向于多样化和个性化；
When customers face the similar products, theirs requirements become diversification and individuation.
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