9月28日，中国银行发布公告称，该行已启动"缤纷生活"App服务迁移，"缤纷生活"App全部功能将逐步迁移至"中国银行"App。迁移完成后，"缤纷生活"App 将停止下载注册，并逐步关停服务。据梳理，自2024年以来已有十余家银行密集关停独立APP，其中信用卡类与直销银行类应用成为整合重灾区。 国有大行的整合动作颇具风向标意义，除中行外，其他机构或已落地整合方案，或通过功能优化释放"瘦身"信号。在股份行中，渤海银行已于2024年12月30 日完成信用卡APP关停，功能全部迁移至主APP信用卡板块，其公告早在当年5月便提前半年公示过渡期安排，为行业提供了可复制的操作模板。而在国有 六大行内部，整合趋势同样清晰：建设银行虽暂未关停独立的"建行生活"APP，但在2024年底上线的手机银行2025版中，已强化与"建行生活"的融合联动， 实现用户体系互通、权益共享；工商银行则早在2021年便终止运行多个总行级冗余APP，将"中国工商银行电子银行"公众号整体迁移至"中国工商银行客户 服务"公众号，实现服务入口集中化。值得注意的是，民生银行也于2024年12月通过董事会决议，调整信用卡分中心设置，为后续APP整合奠定组织基 ...

Core Viewpoint - The recent decision by Bank of China to shut down its "Bountiful Life" app and migrate its functions to the main "Bank of China" app reflects a broader trend among banks to consolidate credit card applications due to increasing operational costs and profitability pressures in the credit card business [1][2][8]. Summary by Sections Bank Actions - On September 28, Bank of China announced the initiation of the service migration from the "Bountiful Life" app to the "Bank of China" app, with the former set to cease downloads and services in the future [2]. - Other banks, including various joint-stock and regional banks, have previously shut down their credit card apps, migrating functionalities to their main banking apps [8][9]. App Performance - The "Bountiful Life" app, which primarily served credit card functions, had a monthly active user count of 1.5454 million, ranking 13th among credit card apps in China [4][5]. - In contrast, the top five credit card apps had monthly active users exceeding 10 million, indicating a significant disparity in user engagement [4][5]. Industry Trends - The recent wave of app consolidations is driven by cost reduction and efficiency improvements, as maintaining separate apps for credit card services has become economically unfeasible due to rising profitability pressures [8][9]. - Historically, banks launched independent credit card apps to leverage high user engagement for broader retail business growth, but current market conditions have shifted the focus towards integration within comprehensive banking apps [9].

此前，关停信用卡App的银行大多是城商行、股份行，如今国有行也将采取这一动作。 日前，中国银行决定关停"缤纷生活"App，并将其全部功能逐步迁移至"中国银行"App。 某业内资深人士告诉《每日经济新闻》记者，信用卡业务的盈利压力逐渐增大，维持独立App的运营成本变得不再经济。当前这一轮信用卡App整合，主要 出于降本增效考虑。中行将关停"缤纷生活"App 记者注意到，2024年9月，国家金融监督管理总局办公厅发布《关于加强银行业保险业移动互联网应用程序管理的通知》，要求金融机构"对用户活跃度低、 体验差、功能冗余、安全合规风险隐患大的移动应用及时进行优化整合或终止运营"。 9月28日，中国银行公告称，该行已启动"缤纷生活"App服务迁移，"缤纷生活"App全部功能将逐步迁移至"中国银行"App，迁移完成后，"缤纷生活"App将停 止下载注册，并逐步关停服务，具体时间后续继续以公告形式发出。 9月29日，记者以客户身份致电中国银行信用卡中心客服人员，对方表示这可能是由于银行业务调整，建议关注后续公告，并告知记者可在中国银行信用卡 微信服务号或中国银行App中办理相关业务。 "缤纷生活"App是中国银行信用卡官方 ...