业务调整！银行陆续下线电话银行部分功能

Core Viewpoint - Zhejiang Commercial Bank announced the discontinuation of personal deposit transaction services via telephone banking effective November 14, 2025, as part of its business adjustment strategy, reflecting a broader trend among banks to reduce telephone banking functionalities in favor of digital channels [1][2]. Summary by Sections Service Adjustments - The discontinuation includes services such as converting current deposits to fixed deposits and vice versa, which can now be handled through mobile banking, online banking, or at bank counters [2][3]. - Other banks, including Industrial Bank and China Merchants Bank, have also phased out similar telephone banking services, indicating a shift in banking operations [2]. Digital Transformation - The adjustments are driven by the need for digital transformation, focusing on security, operational costs, and changing customer behaviors [4]. - The trend aligns with the long-term movement towards online and intelligent financial services, as customer demand for telephone banking decreases [4]. Market Trends - According to the 2024 China Digital Banking Survey, the usage rate of telephone banking has dropped to 25%, a decrease of 3% year-on-year, while personal mobile banking usage has risen to 88%, an increase of 2 percentage points [4][5]. - Mobile banking has become the dominant channel for providing financial services, reflecting a significant shift in consumer preferences [5].