Core Viewpoint - The banking industry is experiencing a wave of app shutdowns, particularly in the credit card and direct banking sectors, as banks streamline their digital offerings to enhance efficiency and reduce resource waste [2][3]. Group 1: App Shutdowns - Multiple banks have announced the closure of various apps this year, particularly in the credit card and direct banking sectors [2][3]. - Over 20 banks have ceased operations of certain apps since the beginning of 2023, with 25 apps, including those from Minsheng Direct Bank and Kunlun Direct Bank, voluntarily deregistering [2][3]. Group 2: Reasons for Shutdowns - The initial push for independent banking apps was aimed at attracting users and increasing activity, but many apps have high download rates with low daily active users, leading to inefficiencies [3]. - The transition to a "stock competition" phase in digital banking, coupled with the decline in consumer spending and the credit card industry's contraction, has prompted banks to consolidate their app offerings [3]. Group 3: Industry Trends - The trend of banks shutting down apps reflects a broader industry shift towards reducing data silos, privacy risks, and compliance costs associated with maintaining multiple applications [3]. - The economic restructuring and weakened consumer sentiment are contributing factors to the shrinking credit card market, influencing banks to close related apps [3].

Core Points - The 2025 Beijing Marathon will take place on November 2 at 7:30 AM, starting from Tiananmen Square and ending at the Olympic Park [1] - The event aims to enhance participant experience and safety through various upgrades and optimizations [1][2][3] Event Organization and Scale - The number of participants has been increased from 30,000 to 32,000, with route optimizations to alleviate congestion [1] - Medical support includes 610 medical observers, 74 AED personnel, and 100 physician runners, with 26 fixed medical stations and 8 ambulances [2] Participant Services and Volunteer Support - The event features upgraded services such as a new English website and mobile app for registration, along with AI-assisted running services [3] - The volunteer team has grown to 6,870, with new roles and a dedicated volunteer badge introduced [3] Cultural and Environmental Initiatives - The marathon promotes a "Green Running, Civilized North Marathon" initiative, with a slogan collection that received 1,734 submissions [3] - The finisher's medal and participant attire reflect cultural elements, with designs inspired by the "Bird's Nest" and traditional Chinese aesthetics [4] Expo and Community Engagement - The 2025 Beijing Marathon Expo will be held from October 30 to November 1, covering 20,000 square meters and offering free access to the public [4]

Core Points - The 2025 Beijing Marathon has announced a supplementary draw for athletes who did not secure a spot in the initial lottery due to some winners failing to complete payment on time [1] - Athletes who were not selected in the first round can check their draw status from October 19, 2025, 10:00 AM to October 21, 2025, 11:59 PM [1] - Successful applicants must complete their payment by October 21, 2025, 11:59 PM, or they will forfeit their entry [1] Payment and Status Check Methods - Method 1: Check draw results via the official Beijing Marathon English website by logging into the personal account [11] - Method 2: Use the BOC Compass APP to check draw results by logging into the personal account [15] - Method 3: Use the Marathon APP to view draw status in the "My Registration" section [6] - Method 4: Use the Digital Heart APP to check draw status in the "My Orders" section [8]

Core Viewpoint - The Bank of China has announced the migration of all functions from its credit card APP "Bountiful Life" to the "Bank of China" APP, aiming to provide better and more efficient financial services to customers. After the migration is complete, the "Bountiful Life" APP will cease to be available for download and will gradually shut down its services, with specific timelines to be announced later [1]. Group 1 - The migration of services is intended to enhance the quality and efficiency of financial services provided to customers [1]. - The "Bountiful Life" APP will stop being available for download and will gradually shut down after the migration is completed [1]. - Further announcements regarding the specific timeline for the migration and shutdown will be made in due course [1].

Core Viewpoint - The independent credit card apps of several banks, including China Bank, are being phased out in favor of integrating credit card services into their main banking apps, reflecting a broader trend in the industry towards consolidation and cost efficiency [2][3][4]. Group 1: Bank Actions - China Bank announced the shutdown of its credit card app "Bountiful Life," with all functions migrating to the main "China Bank" app, leading to the eventual discontinuation of the independent app [2][5]. - Other banks, such as Bohai Bank and Beijing Rural Commercial Bank, have also ceased operations of their independent credit card apps, indicating a collective shift in the banking sector [3][20]. - The trend of merging credit card functionalities into main banking apps is not isolated, as multiple banks have already taken similar actions over the past few years [3][21]. Group 2: Industry Insights - Experts suggest that the initial goal of independent credit card apps was to enhance customer engagement, but the results have been disappointing, leading to increased operational costs without significant user retention [3][22]. - The profitability pressure on credit card businesses has made maintaining independent apps economically unfeasible, prompting banks to consolidate services to reduce costs and improve efficiency [4][27]. - The decline in active users of credit card apps contrasts with the growth in mobile banking app usage, highlighting a shift in consumer behavior towards more comprehensive banking solutions [24][25]. Group 3: Market Trends - The credit card industry is experiencing a downturn, with a reported decrease of 34 million credit cards over the past year, reflecting broader economic challenges [30][34]. - Data from the central bank indicates a decline in the total number of credit cards and combined lending cards, dropping from a peak of 798 million to 715 million [30]. - Banks are now focusing on refining their strategies to retain existing customers and adapt to changing consumer spending habits, moving away from aggressive customer acquisition tactics [34][35].