近期，一家国有银行宣布即将关停信用卡独立APP。 中国银行发布公告称，该行旗下信用卡APP"缤纷生活"将停止下载注册，并逐步关停服务。 中国银行采取下架信用卡独立APP并非个例，近期多家银行包括渤海银行、北京农商银行等也已停止运营其信用卡独立APP。近年来，越来越多的银行信用 卡中心选择将信用卡APP合并至母行主APP中，独立APP正在悄然退场。 "十年前，信用卡独立APP的崛起是伴随着移动化风潮而兴起，如今浪潮已退，退场是必然。"信用卡资深专家董峥告诉贝壳财经记者，银行原本希望信用卡 独立APP可以增加客户黏性，但效果不佳。过多、过于精细化的APP不仅会让管理成本增加，也会让客户办理业务时反复在几个APP中"横跳"，反而让办理 业务变得"麻烦"。 亦有银行业内人士告诉贝壳财经记者，当前，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，而信用卡APP整合可以降本增效。 信用卡独立APP时代落幕？多家银行已将功能转至主APP 9月28日，中国银行发布公告称，该行现已启动"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 ...

Core Viewpoint - The banking industry is undergoing a significant transformation with the integration and discontinuation of various mobile applications, reflecting a shift from digitalization to intelligent services, aiming for a more comprehensive and user-friendly experience [1][4][8]. Group 1: APP Integration and Discontinuation - The "Run Wallet" APP will officially cease operations on October 15, 2025, with its functions migrating to the China Resources Bank APP, marking a trend of reducing and enhancing banking applications [1]. - Credit card and direct banking applications are the most frequently discontinued types, with several banks, including Beijing Rural Commercial Bank and Bohai Bank, having already shut down their credit card apps [2][3]. - The number of direct banking apps has significantly decreased from a peak of 135 in 2017 to fewer than 10 currently operational, indicating a major retreat in this sector [3]. Group 2: Reasons for APP Discontinuation - Low user engagement, high substitutability of functions, and significant operational costs are common issues among discontinued banking apps [4]. - The closure of independent credit card apps is driven by diminishing new user growth and the need for cost reduction, with most functions being integrated into mobile banking platforms [4]. - The discontinuation of direct banking apps is seen as a completion of their exploratory mission rather than a failure, as they provided insights for digital transformation in the banking sector [5]. Group 3: Regulatory and Market Influences - Regulatory guidance and risk management are key factors in the decision to shut down certain financial apps, as highlighted by the National Financial Supervision Administration's directive to optimize or terminate low-performing applications [6]. - The proliferation of numerous financial apps reflects the banking sector's digital anxiety, with many institutions struggling to meet actual customer needs and effectively implement digital strategies [7]. Group 4: Future Directions for Digital Transformation - Banks are encouraged to break down institutional barriers to digital transformation, fostering a collaborative environment that enhances agility and digital culture [8]. - A tailored approach to digital transformation is recommended, focusing on unique characteristics rather than a one-size-fits-all strategy [8]. - The integration of online and offline channels, particularly through mobile banking, is essential for enhancing customer service and expanding user engagement [8].