又一家大行关停信用卡App

Core Viewpoint - The article discusses the trend of banks, particularly state-owned banks, integrating credit card services into their main banking apps, leading to the shutdown of independent credit card apps due to rising operational costs and changing user preferences [3][5][6]. Group 1: Bank Actions - Postal Savings Bank of China announced the gradual cessation of its independent credit card app, integrating its functions into the main Postal Savings Bank app, ensuring that customer services remain unaffected [5][6]. - China Bank was the first major state-owned bank to close its independent credit card app, merging its services into the "China Bank App" [6]. - Several smaller banks have also shut down or integrated their credit card apps into their main banking platforms, indicating a broader trend across the banking sector [6][7]. Group 2: Market Environment - The credit card industry has shifted from rapid expansion to a phase of stock competition, with growth in credit card issuance slowing down and some banks experiencing a decline in card numbers [6][7]. - The operational costs of maintaining independent credit card apps have become unsustainable compared to the value they provide, leading to their closure [7]. Group 3: User Experience and Regulatory Influence - Users have faced challenges with multiple apps, leading to a demand for a unified platform that enhances service experience and reduces the need for frequent app switching [7][8]. - Regulatory guidance has encouraged banks to optimize or terminate underperforming apps, further supporting the trend of app integration [8]. Group 4: Future Trends - The integration of credit card services into main banking apps is seen as an upgrade in service delivery, focusing on better user experience and operational efficiency [8][9]. - Future banking strategies may include expanding functionalities in main apps, such as wealth management and enhanced security features, to increase user engagement [9].