Zheng Quan Shi Bao·2026-01-07 18:11Core Viewpoint - Agricultural Bank of China will terminate its mobile security tool "Mobile Shield" on January 9, 2026, to enhance service efficiency and user experience while ensuring account security [1][2] Group 1: Service Optimization - The termination of the "Mobile Shield" service is part of a broader strategy by banks to reduce costs and improve user service experience and risk control effectiveness [1][2] - Users will still have access to other authentication methods that are more convenient and adaptable to various scenarios after the discontinuation of "Mobile Shield" [1] Group 2: Technology and User Experience - "Mobile Shield" is a high-security authentication tool that integrates digital certificates and biometric recognition, suitable for high-risk transactions like large transfers [2] - The reliance on "Mobile Shield" has decreased due to the increasing compatibility of banking apps with mobile device security features and the growing use of biometric technologies [2][3] - Users generally prefer more convenient and adaptable verification tools, leading to a shift away from standalone solutions like "Mobile Shield" [2][3] Group 3: Industry Trends - The discontinuation of "Mobile Shield" is expected to set a trend in the industry towards lighter, more universal authentication methods that maintain security while enhancing operational fluidity [3]