多家银行关停信用卡App

Core Insights - The recent trend of banks shutting down their standalone credit card apps reflects a broader industry shift towards centralized management of digital channels, aimed at enhancing user experience and reducing operational costs [1][2] Group 1: Bank Actions - Bank of China has announced the gradual shutdown of its "Bountiful Life" app, becoming the first major state-owned bank to close a standalone credit card app [1] - Several smaller banks, including Beijing Rural Commercial Bank and Bohai Bank, have also integrated their credit card app functionalities into their main banking apps [1] - Other banks, such as Shanghai Rural Commercial Bank and Sichuan Rural Credit Union Bank, have ceased their credit card apps as of 2024, consolidating services into mobile banking platforms [1] Group 2: Regulatory and Market Context - The closure and integration of credit card apps are driven by regulatory policies, cost pressures, and the need for improved user experience [2] - The National Financial Regulatory Administration issued a notice in September 2024, mandating financial institutions to optimize or terminate apps with low user engagement and high compliance risks [1] - Experts suggest that the trend of app consolidation may continue, especially among state-owned banks, as credit card loan balances decline relative to total loans [2]