Core Viewpoint - The banking industry is increasingly integrating various app functionalities into mobile banking apps to enhance user experience, reduce operational costs, and improve risk management [1][4]. Group 1: App Integration Trends - Several banks, including Beijing Bank and China Bank, are shutting down their standalone apps for direct banking and credit card services, migrating functionalities to their main mobile banking apps [1][2]. - This trend is not limited to direct banking and credit card apps; many banks are also consolidating their corporate banking and lifestyle service apps due to low user engagement and redundancy [2][3]. Group 2: User Experience Challenges - The proliferation of multiple banking apps has created a burden for consumers, leading to low user activity and dissatisfaction with the overall experience [3]. - Users have expressed a preference for fewer, more integrated apps, indicating a desire for a streamlined banking experience [3]. Group 3: Regulatory Influence - Recent regulations from the National Financial Regulatory Administration emphasize the need for banks to manage mobile applications effectively, encouraging the consolidation of apps with low user engagement and high operational risks [3]. Group 4: Benefits of Integration - By creating a unified "super app," banks can significantly enhance user experience while lowering the costs associated with maintaining multiple apps [4]. - Consolidation allows for centralized monitoring of transactions, improving risk identification and management [4].