Core Viewpoint - The adjustment of bank branches, with 8,592 branches approved for closure and 6,859 new branches opened as of October 24, reflects a shift in banking strategy, emphasizing the need for both online and offline channels to cater to diverse customer preferences and requirements [1][2]. Group 1: Branch Adjustments - The reduction and addition of bank branches should follow the principle of being customer-friendly and cost-effective, with a focus on enhancing user experience and service quality [1][2]. - Some branch closures are a correction of previous overexpansion strategies, while new branches are necessary to improve financial service coverage, particularly in under-served areas [2]. Group 2: Service Optimization - Banks should optimize the layout of branches and enhance efficiency to address customer pain points, such as long wait times [3]. - Digital services can free up human resources, allowing banks to focus on providing comprehensive services like financial consulting and education [3]. Group 3: Targeting Specific Demographics - There is potential for banks to better serve the growing elderly population by improving the branch environment and providing specialized services [2]. - Branches serve as a direct channel for banks to understand customer needs, especially for those who are willing to adopt new technologies but require assistance [2].