免费短信“消失”了，银行为何提高动账提醒金额门槛？

Core Viewpoint - The adjustment of transaction notification SMS services by banks reflects a trend towards cost control and digital transformation, with many banks now charging fees for what was previously a free service [1][5][6] Group 1: Changes in SMS Notification Services - Multiple banks have announced changes to their SMS notification services, including raising the threshold for free notifications or implementing service fees [1][2] - Guizhou Rural Credit Cooperative will start charging 2.5 yuan per month for SMS notifications from October 2025, while still offering free services for certain accounts [1] - Other banks, such as Liaoning Zhenxing Bank and Guangdong Huaxing Bank, have also raised the minimum transaction amount for free SMS notifications [2][3] Group 2: Industry Trends and Motivations - The current wave of adjustments is primarily driven by smaller financial institutions following the lead of larger banks [3] - The adjustments are seen as a response to narrowing net interest margins and profitability pressures, aiming to reduce costs associated with low-value notification services [5][6] - The shift towards digital channels, such as WeChat notifications, is becoming more prevalent, providing free alternatives to traditional SMS services [4][5] Group 3: Digital Transformation and Customer Experience - The transition from SMS to digital notification services is viewed as a necessary evolution in the banking industry, enhancing customer engagement and service efficiency [6] - Digital channels offer more real-time and comprehensive transaction notifications, integrating various banking services and improving customer experience [6]