Core Viewpoint - The changes in bank branches are closely related to people's lives, with a reported 8,592 branches approved for closure and 6,859 new branches opened as of October 24 this year. There is a misconception that bank branches are exclusively for the elderly, but this is not the case. Different age groups have varying preferences for online and offline channels, and direct communication remains essential for customer experience [1]. Group 1: Branch Changes - The reduction and addition of bank branches should follow the logic of being convenient and beneficial to the public while reducing costs and increasing efficiency. The foundation of this logic is to enhance user experience and service quality, which relies on service channels, with physical branches being a crucial part [1]. - The location of branches should be in areas with demand but insufficient supply. Some closures are a correction of previous expansive operating strategies, while new branches are necessary to improve financial service coverage, especially in rural areas [2]. Group 2: Branch Configuration and Efficiency - Branches serve as a comprehensive ecosystem for public services, with opportunities to optimize services for the growing elderly population. This includes providing tools like magnifying glasses and self-service devices that cater to their needs [3]. - Improving service efficiency is vital, as long wait times have been a common complaint. Solutions include better operational management and directing customers to self-service areas during peak times, allowing staff to focus on more complex services like financial consulting [3].