银行App迎来关停潮

Core Viewpoint - Banks are shutting down several of their apps, particularly in the credit card and direct banking sectors, as part of a "decluttering" strategy in response to changing market dynamics [1] Group 1: App Shutdowns - Multiple banks have announced the closure of certain apps, focusing mainly on credit card and direct banking applications [1] - The trend of independent banking apps was initially driven by the need to attract users and increase activity, but many apps have high download rates with low daily active users [2] Group 2: Digital Transformation Challenges - The digital transformation of banks has entered a "stock competition" phase as the flow of new users diminishes, leading to resource wastage and issues such as data silos and privacy breaches [2] - The credit card industry is entering a contraction phase due to weakened consumer spending, prompting some banks to shut down their credit card apps [2]