Core Viewpoint - The recent trend of banks shutting down their mobile applications is driven by low user engagement, operational cost pressures, and regulatory requirements, leading to a consolidation of services into fewer, more efficient apps [1][2]. Group 1: Reasons for App Shutdown - Multiple banks, including state-owned and major city commercial banks, have announced the closure of their mobile apps due to low usage and engagement, which results in resource wastage [1]. - As of 2024, over 10 small and medium-sized banks have already discontinued their credit card apps, with at least six more expected to do so by October 2025, integrating their functions into main banking apps [1]. - The trend of shutting down direct banking apps began earlier, with at least 21 banks ceasing operations of their direct banking apps in 2023 [1]. Group 2: Industry Insights - Operational cost pressure is a significant factor driving banks to close underperforming apps, allowing for better resource allocation and cost reduction [2]. - The rise of internet finance and increased market competition have led to a diversion of users from traditional banking apps, prompting banks to consolidate their offerings to enhance competitiveness [2]. - Regulatory guidance from the National Financial Supervision Administration emphasizes the need for banks to optimize or terminate apps that have low user engagement, poor user experience, redundant functions, or compliance risks [2]. Group 3: User Perspective - The closure of redundant apps is seen as a win-win situation for both banks and users, as users prefer a single, multifunctional app that is efficient, secure, and convenient [2].
银行App主动“瘦身”，究竟图个啥？