Zhong Guo Jing Ji Wang·2025-10-31 03:03Core Viewpoint - The trend of banks integrating various functions and services into mobile banking apps is gaining momentum, driven by the need to enhance user experience and operational efficiency [1][2][3] Group 1: Reasons for App Integration - The integration of banking apps is a response to regulatory guidance aimed at improving the management of mobile applications within financial institutions [1] - Banks face challenges with fragmented user experiences, requiring customers to switch between multiple apps for different services, which diminishes user satisfaction [2] - Data indicates a decline in user engagement with mobile banking apps, with average daily usage time dropping from 4.93 minutes to 2.7 minutes between 2023 and 2025 [2] Group 2: Benefits of App Integration - Enhancing customer experience and satisfaction by consolidating multiple functions into a single app, providing a "one-stop" service [2] - Reducing operational and maintenance costs by shutting down low-usage apps, allowing resources to focus on core app functionalities [3] - Accelerating digital transformation in banking by leveraging advanced technologies like AI and big data for improved service quality and user experience [3] - Improving data security and compliance capabilities through better monitoring of transactions and risk management [3] Group 3: Strategic Shift - The integration of banking apps signifies a fundamental shift in operational philosophy, moving from a product-oriented approach to a user-centered approach [3] - This transition aims to promote a shift in the industry from scale expansion to quality and efficiency, enabling banks to achieve higher quality development [3]