那些年，银行追“过头”的潮流

Core Insights - The banking industry is witnessing a decline in previously popular digital banking services, such as direct banks and credit card apps, which were once seen as innovative solutions in the "internet ecosystem" era [1][3][4] - The shift from internet-based services to AI-driven solutions is becoming evident, with banks now focusing on integrating AI technologies into their operations [8][11] Group 1: Decline of Digital Banking Services - Many banks are shutting down or merging their direct banking services and credit card apps, indicating a significant shift in strategy [3][4] - The direct banking model, initially aimed at creating a fully online banking experience, has struggled to differentiate itself and has often been seen as ineffective [4][5] - The performance of direct banks has been poor, with examples like "邮惠万家" losing over 800 million in three years, highlighting the challenges faced by these services [4] Group 2: Transition to AI - The banking sector is now transitioning from an internet focus to embracing AI technologies, with hopes of improving customer service and operational efficiency [8][11] - Despite the enthusiasm for AI, many banks still struggle with basic app functionality, indicating a gap in meeting user needs [9][11] - The application of AI in banking is still in its early stages, and while it has potential benefits, there are concerns about user experience and the effectiveness of AI-driven customer service [11][12] Group 3: User-Centric Innovation - The success of banking innovations hinges on understanding and addressing user needs rather than merely adopting industry trends [7][11] - The decline in user engagement with banking apps suggests that banks must prioritize improving user experience to remain relevant [6][7]