又一国有大行，调整这一服务

Core Viewpoint - The recent announcements from Postal Savings Bank and other banks indicate a trend towards integrating credit card services into main banking apps, reflecting a broader digital transformation strategy in the banking industry [1][2]. Group 1: Company Actions - Postal Savings Bank announced adjustments to its credit card online services, integrating these functions into the "Postal Savings Bank App," leading to the discontinuation of the "Postal Credit Card App" [1]. - China Bank has also initiated the migration of credit card functions to the "China Bank App," with plans to cease the original app's services [1]. - Other banks, including Jiangxi Bank and Beijing Rural Commercial Bank, have similarly shut down or integrated their credit card apps into their main mobile banking platforms this year [1]. Group 2: Industry Trends - The National Financial Regulatory Administration issued a notice in September 2024, mandating financial institutions to optimize or terminate mobile applications with low user engagement, poor experience, redundant functions, or compliance risks [1]. - Professor Tian Lihui from Nankai University highlighted that the "slimming down" of bank apps is a necessary choice for the digital transformation of the banking industry, predicting that more banks will integrate credit card services into their main apps, creating a "main app + diversified lightweight touchpoints" matrix model [2]. - Consumers may need to adapt to new channels in the short term, but the long-term experience is expected to improve, providing a more integrated and seamless one-stop service [2].