多家银行信用卡与直销银行App逐步关停

Core Insights - The banking industry is experiencing a wave of app integration, with major banks like Beijing Bank and Bank of China shutting down independent apps in favor of consolidating functions into main banking apps, indicating a shift from quantity to quality in digital strategies [2][3][4] Group 1: App Integration Trends - Beijing Bank announced the closure of its direct banking app effective November 12, integrating its functions into the "Jingcai Life" app, following similar actions by other banks like Minsheng Bank and Kunlun Bank [3] - The credit card app sector is also seeing accelerated integration, with Bank of China migrating functions from its "Bountiful Life" app into its main app, marking a significant move in the industry [3] - Smaller banks are also following suit, with institutions like Beijing Rural Commercial Bank and Jiangxi Bank closing their credit card apps and merging functionalities into their primary mobile banking platforms [3] Group 2: Regulatory and Market Drivers - The integration trend is driven by regulatory requirements and the need for improved user experience, as highlighted by the National Financial Supervision Administration's directive to streamline low-activity and redundant apps [6] - High operational costs and low user engagement of standalone apps have become bottlenecks for digital development in banks, with many users preferring a single app for comprehensive financial services [7][8] Group 3: Future Directions - Post-integration, banks are expected to focus on four key areas: reshaping mobile ecosystems, enhancing digital capabilities with AI and big data, expanding value-added services, and ensuring data security and compliance [9] - The core of app integration is not merely reducing the number of apps but optimizing their structure to improve operational efficiency and user engagement [9]