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Core Viewpoint - The recent adjustments in transaction notification services by various banks, including Gansu Bank, reflect a trend towards cost reduction and digital transformation, aligning basic services with changing user behaviors to enhance competitiveness [1][4][8]. Group 1: Changes in 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 [3]. - Over ten banks, including major state-owned and joint-stock banks, have made similar adjustments to their SMS notification services this year, raising the threshold for transaction alerts [4]. - China Bank has set the new default transaction alert threshold at 100 RMB, while other banks like Guangdong Huaxing Bank and Liaoning Zhenxing Bank have increased their thresholds to 500 RMB and 2000 RMB, respectively [4]. Group 2: Fee Adjustments and Service Changes - Some banks have reinstated service fees for SMS notifications or increased existing fees, such as Guangdong Lechang Rural Commercial Bank, which announced a return to standard rates for SMS services [5]. - Minsheng Bank has also stopped offering discounts on SMS services, implementing a fee of 2 RMB per month per card starting March 1 [5]. Group 3: Industry Trends and User Behavior - The shift away from free SMS notifications is driven by cost considerations and the need for banks to optimize their service offerings in a challenging economic environment [8]. - As mobile banking and digital channels become more prevalent, banks are encouraging customers to use these platforms for transaction alerts instead of traditional SMS, which are seen as low-value services [8]. - Analysts suggest that while some users may initially feel a loss from the removal of SMS alerts, the overall impact is manageable, as most large transactions will still receive free notifications [8].