银行App迎来关停潮：数量做减法服务更要做加法 |新京报快评

Core Insights - The article discusses the growing concern over the excessive number of banking apps, with over 10,000 complaints on social media regarding the necessity of multiple banking applications [1] - In response, many banks have begun to "declutter" by shutting down several of their apps, a trend observed across both state-owned and leading city commercial banks [1] - As of June 2025, there are 2,664 mobile financial apps registered in China, indicating a significant oversaturation in the market [1] Group 1: Banking App Consolidation - The proliferation of banking apps is linked to the rapid digitalization efforts in recent years, where banks launched various apps to capture market share [1] - The current trend of app consolidation is seen as a necessary step to reduce user burden, especially as many apps have low retention and daily active user rates [1] - The closure of redundant apps is not merely a reduction in quantity but aims to enhance user experience and operational efficiency [2] Group 2: Broader Digital App Cleanup - The cleanup of banking apps is part of a larger trend where government apps are also being consolidated, with millions of redundant apps and work groups being eliminated nationwide [2] - This movement reflects a more rational and simplified approach to digitalization, focusing on efficiency and user experience rather than sheer quantity [2] - The ultimate goal of these app closures is to improve the quality of digital services, addressing issues such as privacy violations and excessive data collection [2] Group 3: User Experience and Design Challenges - Post-consolidation, the clarity and usability of the remaining apps will be critical, as a complicated interface could negate the benefits of the "decluttering" process [4] - The shift from quantity to quality in digital services emphasizes the need for user-centered design, ensuring that technology serves its intended purpose effectively [4] - A successful digital transformation should prioritize data security and compliance, ensuring that the reduction of apps translates into increased user trust and satisfaction [2][4]