Core Insights - A wave of bank app closures is occurring in China, with over 10 banks participating in this "streamlining" process, including major state-owned banks and city commercial banks [1][2] - The closures are part of a broader trend where banks are integrating their services into fewer apps to enhance user experience and operational efficiency [2][3] Group 1: Bank App Closures - China Bank's credit card app "Binfeng Life" will gradually shut down, with all functions migrating to the China Bank app [1] - Zhuhai Huaren Bank announced that its "Run Wallet" app will cease operations by October 15, 2025, with features moving to the Huaren Bank app [1] - Beijing Rural Commercial Bank closed its "Phoenix Credit Card" app on March 31 this year, transferring functionalities to its main mobile banking app [1] Group 2: Industry Trends - The number of direct banking apps has significantly decreased, with only about 10 remaining, down from peak levels [2] - The integration trend reflects banks' shift away from "digital anxiety" towards a more rational approach to app management [2][3] - The Financial Regulatory Authority's guidelines have accelerated the consolidation process, urging banks to optimize or terminate low-activity apps [3] Group 3: Expert Opinions - Experts suggest that the focus should be on improving app operation and customer experience rather than merely increasing the number of apps [2][3] - Recommendations include prioritizing technology development, enhancing active user engagement, and improving customer experience over mere product deployment [3]
手机银行App加速“瘦身”