21世纪经济报道·2025-04-06 00:39Core Viewpoint - The article discusses the recent trend of banks, including China Merchants Bank, discontinuing cardless deposit and withdrawal services, citing reasons such as risk management, cost efficiency, and the optimization of financial services [1][2][4]. Group 1: Industry Trends - Over the past year, more than 50 banks have suspended various cardless services, including cardless deposits and withdrawals [3][4]. - Major state-owned banks initiated these changes in early 2023, with Industrial and Commercial Bank of China halting its cardless cash withdrawal service on April 17, 2023 [5]. - Following this, other banks like China Communications Bank and Minsheng Bank have also announced similar service suspensions [6][7]. Group 2: Reasons for Changes - Banks are adjusting these services primarily to enhance financial service quality, manage risks, and improve cost efficiency [2][8]. - The low security of identity verification in cardless transactions is a significant factor driving these changes [9]. - The overall demand for cardless deposit and withdrawal services from customers is relatively low, making the impact of these adjustments minimal for banks [9]. Group 3: Customer Impact - Customers will now need to carry their bank cards for deposits and withdrawals, which may lead to some inconvenience [10]. - The shift aligns with the decreasing frequency of cash usage due to the rise of mobile payments, prompting banks to close ATM QR code deposit functions [7].