Core Viewpoint - Several banks in China are consolidating their mobile applications to enhance user experience and address issues related to low user engagement, poor experience, and redundant functionalities [3][5][6]. Group 1: Company Actions - Beijing Bank announced the discontinuation of its direct banking APP and website effective November 12, with functionalities migrated to the "Jingcai Life" mobile banking APP [1]. - China Bank is migrating all services from its "Colorful Life" APP to the main "China Bank" APP, with the "Colorful Life" APP set to stop downloads and registrations [4]. - Other banks, including Beijing Rural Commercial Bank and Jiangxi Bank, have previously shut down their credit card apps, integrating their functions into mobile banking apps [4]. Group 2: Industry Trends - The trend of APP consolidation is not limited to direct banking and credit card applications; many banks are also merging enterprise banking and lifestyle service apps due to low user engagement [4][5]. - The Chinese Internet Finance Association has reported multiple banks applying for the cancellation of their enterprise banking apps and lifestyle service apps due to service cessation [4]. - Regulatory guidance from the National Financial Regulatory Administration emphasizes the need for banks to manage mobile applications effectively, focusing on reducing the number of low-activity and redundant apps [6]. Group 3: User Experience - Industry insiders indicate that the primary motivation for banks to streamline their apps is to improve user experience and reduce the burden of having multiple applications [5][6]. - Users have expressed frustration over the number of banking apps, preferring to consolidate their banking needs into fewer applications for better usability [6]. - The goal of creating a unified "super APP" is to enhance user experience while lowering operational costs and improving risk monitoring [6].

Core Viewpoint - Harbin Bank is conducting a system upgrade on September 25, 2025, which will temporarily suspend various banking services to enhance customer experience [1] Group 1 - The system maintenance will occur from 0:00 to 1:00 on September 25, 2025 [1] - During the maintenance period, services such as credit card applications, inquiries, activations, transaction notifications, and certain loan services will be unavailable [1] - Customers are advised to make necessary arrangements in advance due to the service interruptions [1]