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Core Viewpoint - Recent adjustments in transaction alert SMS services by various banks reflect a shift towards cost reduction and digital transformation, aligning basic services with changing user behaviors to enhance competitiveness [2][4][7]. Summary by Sections Changes in SMS Notification Services - Gansu Bank announced that starting from November 1, 2025, it will no longer send SMS notifications for transactions below 200 RMB for certain personal customers, who previously received these notifications for free [4]. - Other banks, including Bank of China and Minsheng Bank, have also raised the threshold for SMS notifications, with Bank of China setting the new threshold at 100 RMB [4][5]. Fee Adjustments and Service Changes - Some banks have reinstated SMS service fees or increased existing fees. For instance, Guangdong Lechang Rural Commercial Bank announced the cancellation of an 80% discount on SMS service fees, reverting to a standard charge of 3 RMB per month for personal customers [6]. - Minsheng Bank stopped offering discounts on SMS services for personal debit cards, implementing a fee of 2 RMB per month per card starting March 1 [6]. Industry Trends and Motivations - The trend of increasing transaction alert thresholds and fees is driven by cost considerations and the need for banks to optimize their service offerings in a competitive environment [7][9]. - Analysts suggest that the shift from traditional SMS notifications to digital channels is a response to changing user behaviors, as customers increasingly prefer mobile banking apps and other digital platforms for transaction alerts [9].