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Core Viewpoint - Several medium and large banks in China are shutting down their independent mobile apps, indicating a shift towards consolidating services within fewer applications to enhance user experience and operational efficiency [1][5]. Group 1: Bank App Shutdowns - China Bank announced the discontinuation of its credit card app "Binfeng Life," with all functionalities migrating to the "China Bank" app [2]. - Beijing Bank stated that its direct banking app and website will cease operations on November 12, 2025, with services moving to the "Jingcai Life" mobile banking app [3]. - Over the past year, more than ten banks, including Postal Savings Bank and Beijing Rural Commercial Bank, have closed various mobile apps, primarily credit card and direct banking apps [5]. Group 2: Reasons for App Closures - The proliferation of independent banking apps was driven by competition for customer acquisition in the mobile internet era, leading to a situation where banks developed multiple apps [6]. - The existence of overlapping functionalities between direct banking and mobile banking apps has resulted in resource duplication and increased operational costs, negatively impacting user experience [7]. - Regulatory bodies have mandated banks to eliminate low-activity and high-risk apps, emphasizing the need for regular evaluation and optimization of mobile applications [8]. Group 3: User Engagement and Profitability Issues - Financial apps generally lack strong social attributes, leading to low monthly active user rates; for instance, the monthly active users of China Merchants Bank's credit card app dropped from 41.98 million at the end of 2023 to 39.08 million by mid-2024 [10]. - Many banks are integrating credit card and direct banking app functionalities into their main mobile banking apps to enhance efficiency and user experience [10]. - The direct banking model has faced challenges, including continuous losses, as exemplified by Postal Savings Bank's direct banking unit, which has struggled to meet market demands for comprehensive financial services [15][16].

Core Viewpoint - The article discusses the recent advancements in Metal-Organic Frameworks (MOFs) and their application in creating ultra-miniature fluid chips, highlighting their potential to revolutionize computing by mimicking brain-like memory functions [1][20]. Group 1: MOF Technology and Applications - MOFs, once deemed "useless," have gained recognition after winning the Nobel Prize in Chemistry, leading to innovative applications such as fluid chips [1][20]. - The newly developed fluid chips can perform conventional calculations while also retaining previous voltage changes, resembling short-term memory similar to that of brain neurons [2][3]. - The creation of advanced fluid chips using MOF materials addresses the challenges of high-precision nano-channel devices, enabling adjustable non-linear ion transport [4][5]. Group 2: Device Structure and Functionality - Researchers constructed a layered nano-fluid transistor device (h-MOFNT) using Zr-MOF-SO₃H crystals, which features heterogeneous junctions for enhanced performance [7][8]. - The device exhibits non-linear proton transport characteristics, differing from typical diode behavior, indicating a threshold-controlled transport mechanism [12][13]. - The h-MOFNT demonstrated a memory effect, capable of retaining past voltage states, which could lead to applications in liquid-based information storage and brain-like computing [18][19]. Group 3: Historical Context and Future Potential - Historically, MOFs have been viewed as having significant theoretical potential but lacking practical applications, with over 100,000 related papers published but few achieving industrial application [25][26]. - The challenges faced by MOFs include structural stability issues and complex synthesis processes, which have hindered their widespread use [27][28]. - The emergence of MOF-based chips suggests that the material may not be "useless" but rather that suitable applications have yet to be fully explored [29].

Core Insights - The article highlights the significant salary increases in the AI sector, particularly for positions at DeepSeek, where starting salaries exceed 30,000 yuan, with the highest reaching 1.54 million yuan annually [1]. - There is a notable talent shortage in the AI field, with salaries for skilled professionals in deep reinforcement learning and multimodal fusion rising over 120% year-on-year [1]. - Companies are raising salaries to attract and retain talent, with some positions seeing increases of up to 70% compared to previous years [3]. Talent Demand and Supply - The year 2025 is projected to be a critical turning point for AI talent, where individuals must either capitalize on the opportunities presented by companies like DeepSeek or risk being left behind [4]. - Despite high demand for algorithm positions, many applicants lack the necessary skills to meet the requirements of leading companies [4][5]. - The gap between the skills required for core AI roles and the capabilities of typical job seekers is significant, highlighting the need for targeted training [5]. Training and Development Initiatives - To address the skills gap, a comprehensive "Deep Algorithm Training Program" has been launched, collaborating with top AI companies to provide cutting-edge training [6]. - The program promises a full refund if participants do not secure job offers or earn less than 290,000 yuan annually after completion [7]. - The curriculum focuses on practical applications of algorithms, with instructors being industry professionals who have managed large-scale projects [9]. Employment Outcomes - Previous cohorts of the training program have seen 80% of participants secure AI or algorithm-related job offers, with an average salary exceeding 300,000 yuan [15]. - Success stories include individuals transitioning from different fields into AI roles, achieving significant salary increases, such as one participant receiving a 470,000 yuan offer from Bilibili [21]. - The program emphasizes real-world applications and project-based learning to ensure participants are job-ready [29]. Financial Commitments and Guarantees - The training program includes a salary increase guarantee, promising a minimum increase of 40%-50% for employed participants and a minimum annual salary of 290,000 yuan for graduates [34]. - If these conditions are not met, participants are entitled to a full refund of their tuition fees, ensuring a risk-free investment in their career development [34].

整理 | 郑丽媛 出品 | CSDN（ID：CSDNnews） 上 周 ， 全球最大的科技咨询公司之一埃森哲（Acce nture） 公布了最新财报，并对外明确了一项 颇具争议的战略： 如果员工无法掌握AI技能，那么等待他们的就是"被优化"。 这并不是一句"哗众取 宠" 的口号， 而是 埃森哲 给员工下 的最后通牒 —— 随着公司全面押注 AI ， 裁员、培训、扩招正同时 上演，AI 已经成为埃森哲最锋利的筛选器。 裁员的同时 ， AI 人才 大幅 扩张 AI 成为"公司一切的组成部分" 在 2025 财年财报电话会上，埃森哲 C EO Julie Sweet 开门见山地指出：AI 已经成为公司"所做一 切的组成部分"。 换句话说，无论是客户咨询、内部流程，还是新业务探索，AI 都不再是"加分项"，而是"必需品"。 Julie Sweet 明确表示，公司要求员工必须在极短的时间内完成再培训和技能重塑（retrain & retool）。如果岗位无法被 AI 赋能，或者员工无法学会 AI 技能，那么他们将不得不离开——这句 话，等于埃森哲向全球 70 多万员工发出了"AI 生存通牒"。 为了推进全面 AI 化， ...

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科技媒体 9to5Mac 10 月 8 日发布博文，报道称困扰业界 15 年之久的苹果 iPhone 4"天线门"事 件谜底近日揭晓。软件工程师萨姆・亨利・戈尔德发现，当年导致信号格急剧下降的根本原因并 非硬件缺陷， 而是一个软件算法错误。 IT之家援引博文介绍，苹果在 2010 年推出的 iPhone 4，因其经典设计备受瞩目，但很快就被一 场名为"天线门"（Antennagate）的争议事件抢走了风头。 大量用户发现，当以特定方式手持手机时，屏幕上显示的信号格会发生断崖式下跌。这一发现迅 速引发了全球范围的关注和争议，成为苹果历史上一次重大的公关危机。 面 对 汹 涌 的 舆 论 ， 苹 果 当 时 采 取 了 多 种 应 对 措 施 ， 包 括 时 任 CEO 史 蒂 夫 ・ 乔 布 斯 曾 公 开 表 示"用户握持手机的方式不正确"。 不 过 ， 公 司 最 终 还 是 承 认 了 问 题 的 存 在 ， 并 被 迫 向 所 有 iPhone 4 用 户 提 供 免 费 的 保 护 套 （Bumper Case），同时就一起集体诉讼达成和解，向受影响的用户支付了赔偿金。 苹果公司在当年的官方声明中指出 ...

Core Viewpoint - Microsoft has removed all options to bypass the login during the Out-Of-Box Experience (OOBE) for Windows 11, requiring all users to log in with an online account to complete the setup process [1][2]. Group 1 - Microsoft has confirmed that in the consumer version of Windows 11, users must create and log in with a Microsoft online account during the OOBE phase to proceed with the installation [1][2]. - Previous methods to bypass the login have been rendered ineffective in the latest builds, specifically in Windows 11 Beta Build 26120.6772 and Windows 11 Dev Build 26220.6772 [2]. - The rationale provided by Microsoft for this change is to ensure that devices are fully configured, as skipping the login could lead to incomplete setups and missing critical screens during OOBE [5]. Group 2 - Microsoft emphasizes that various services, such as Microsoft 365 and OneDrive, require a Microsoft account to function properly, which is why they have enforced this login requirement during OOBE [6]. - Users can still create a local account after logging in with an online account, but Microsoft recommends continuing to use the online account for an enhanced user experience [7].

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