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 direct banking and credit card apps, migrating functionalities to their main mobile banking apps [2]. - The trend of app integration is not limited to direct banking and credit card apps; many banks are also consolidating their corporate banking and lifestyle service apps [2]. - The integration is driven by the need to address low user engagement, poor experience, and redundant functionalities associated with multiple apps [3]. Group 2: User Experience and Operational Efficiency - The initial focus on lightweight, specialized apps has led to an overwhelming number of applications for consumers, creating a burden rather than enhancing service [3]. - Users have expressed a preference for fewer, more comprehensive apps that can meet their needs without cluttering their devices [3]. - Regulatory guidance has emphasized the need for banks to manage mobile applications effectively, leading to the optimization and potential termination of underperforming apps [3]. Group 3: Risk Management and Cost Reduction - By consolidating apps into a "super app," banks can significantly enhance user experience while lowering the costs associated with maintaining multiple applications [4]. - A unified app approach allows for centralized monitoring of transactions, improving the ability to identify and mitigate risks [4].