说起各家银行的App相信每个人都不会陌生，大家的手机里或多或少都会装有不止一款银行App，然而就在最近多家银行关停旗下App的消息传来，银行App 的关闭潮到底意味着什么？ 一、多家银行关停旗下App？ 据中新经纬的报道，近日，中国银行信用卡微信公众号发布公告称，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。中新经纬梳理发现，今年以来，已有10余家银行关停了旗下部分手机App，主要涉及信用卡App、直销银行App、生活类App等。为何银行要关停 这些App？ 今年3月31日，北京农商银行将旗下"凤凰信用卡"App的业务功能迁移至"北京农商银行手机银行"App，原App关停。江西银行旗下"惠享精彩"App也于3月31 日在各大应用商城下线，将相关功能迁移至江西银行App信用卡板块内。此前，渤海银行、上海农商银行、四川农商联合银行等银行的信用卡App已在2024 年停止服务，相关功能已迁移至手机银行。 除了信用卡类App，还有部分直销银行App也陆续关停。10月10日，北京银行公告称，因直销银行业务调整，其直销银行App、直销银行网站将于2025年11 月12 ...

Core Insights - The recent trend of banks shutting down their standalone credit card apps reflects a broader industry shift towards centralized management of digital channels, aimed at enhancing user experience and reducing operational costs [1][2] Group 1: Bank Actions - Bank of China has announced the gradual shutdown of its "Bountiful Life" app, becoming the first major state-owned bank to close a standalone credit card app [1] - Several smaller banks, including Beijing Rural Commercial Bank and Bohai Bank, have also integrated their credit card app functionalities into their main banking apps [1] - Other banks, such as Shanghai Rural Commercial Bank and Sichuan Rural Credit Union Bank, have ceased their credit card apps as of 2024, consolidating services into mobile banking platforms [1] Group 2: Regulatory and Market Context - The closure and integration of credit card apps are driven by regulatory policies, cost pressures, and the need for improved user experience [2] - The National Financial Regulatory Administration issued a notice in September 2024, mandating financial institutions to optimize or terminate apps with low user engagement and high compliance risks [1] - Experts suggest that the trend of app consolidation may continue, especially among state-owned banks, as credit card loan balances decline relative to total loans [2]

Core Viewpoint - The banking industry is increasingly integrating various app functionalities into mobile banking apps to enhance user experience, reduce operational costs, and achieve centralized risk management [1][5]. 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][3]. - The trend of app integration is not limited to direct banking and credit card apps; many banks are also applying for the cancellation of their enterprise banking and lifestyle service apps [3]. Group 2: User Engagement Challenges - The primary reasons for the "app slimming" initiative include low user engagement, poor user experience, and redundant functionalities [4]. - Initial strategies focused on lightweight, specialized apps to meet customer needs more precisely, but the proliferation of apps has become burdensome for consumers [4]. Group 3: Regulatory Influence - Recent policies from the National Financial Regulatory Administration emphasize the need for banks to manage mobile applications effectively, including optimizing or terminating low-engagement apps [4]. Group 4: Benefits of Integration - By consolidating apps into a unified "super app," banks can significantly enhance user experience, lower operational maintenance costs, and improve risk monitoring and prevention [5].

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 banking industry is undergoing a significant transformation in its mobile applications, with many banks opting to integrate or discontinue their apps to enhance efficiency and user experience [1][2][4]. Group 1: Current Trends in Banking Apps - Zhuhai China Resources Bank announced that its "Run Wallet App" will cease operations on October 15, 2025, with functionalities migrating to the China Resources Bank App [1]. - A trend of "thinning" is observed in the banking app sector, with multiple banks consolidating or shutting down their apps, particularly in credit card and direct banking services [2]. - The closure and integration of apps reflect the challenges and strategies banks face during digital transformation, including cost reduction, efficiency improvement, and market competition [1][2]. Group 2: Operational Insights - Each banking app requires significant investment in human resources, technology, and funding, making independent apps less viable as new credit card user growth stagnates [2]. - Consolidating apps allows banks to focus resources on core business areas, enhancing overall operational efficiency, aligning with current financial regulatory policies [2][3]. Group 3: User Experience and Future Directions - The integration of apps is expected to improve user experience by providing a one-stop service for various financial needs, reducing the complexity of managing multiple apps [3][4]. - Future banking apps are anticipated to leverage advanced technologies like big data and artificial intelligence to offer personalized financial solutions and enhance user experience [4][5]. - The trend indicates a shift towards ecological, intelligent, and differentiated banking apps, moving beyond traditional functions to create a "life + finance" ecosystem [5].

Core Viewpoint - The banking industry is undergoing a significant transformation in its mobile applications, with many banks opting to integrate or discontinue their apps to enhance efficiency and user experience [1][2][4]. Group 1: App Integration and Discontinuation - Zhuhai China Resources Bank announced that its "Run Wallet App" will cease operations on October 15, 2025, with functionalities migrating to the China Resources Bank App [1]. - There is a trend of "thinning" in the banking app sector, with multiple banks shutting down or integrating their apps, particularly in the credit card and direct banking sectors [2]. - The closure or integration of apps is driven by the need to reduce costs, improve user experience, and respond to market competition [1][2]. Group 2: Operational Efficiency - Each banking app requires significant investment in human resources, technology, and capital, making independent apps less viable as new credit card user growth stagnates [2]. - Consolidating apps allows banks to focus resources on core business areas, enhancing overall operational efficiency and aligning with current financial regulatory policies [2][3]. Group 3: User Experience and Future Trends - The integration of apps is expected to improve user experience by providing a one-stop platform for various financial services, reducing the complexity of managing multiple apps [3]. - Future banking apps are anticipated to focus on ecological, intelligent, and differentiated services, moving beyond traditional functions to create a "life + finance" ecosystem [5]. - The use of advanced technologies like big data and AI will enable banks to offer personalized financial solutions and enhance user experience [4][5].

Core Viewpoint - The article discusses the ongoing transformation in the banking sector towards digital and intelligent services, highlighting the trend of app consolidation and the decline of standalone banking apps, particularly credit card and direct banking applications, as banks adapt to user needs and regulatory requirements [2][11][14]. Group 1: Digital Transformation in Banking - The People's Bank of China and other departments aim to establish a financial system that aligns with digital economic development by the end of 2027 [1] - Various banking apps are evolving from a tool-oriented approach to a more integrated, scenario-based, and ecosystem-oriented service model [2][18] - The trend of app consolidation is evident as banks shut down or integrate their standalone apps into more comprehensive mobile banking platforms [3][5][12] Group 2: Decline of Standalone Apps - The "Run Wallet" app by China Resources Bank will cease operations by October 2025, with its functions migrating to the main bank app [3][4] - A significant number of credit card and direct banking apps have been discontinued, with many banks merging these services into their primary mobile banking applications [5][10] - As of now, only a few direct banking apps remain operational, down from a peak of 135 in 2017, indicating a substantial decline in this segment [9][10] Group 3: Reasons for App Closures - Common issues leading to app closures include low user engagement, high operational costs, and redundancy of functions [11] - The shift towards integrating credit card functionalities into main banking apps is seen as a cost-effective strategy, enhancing user experience without significant drawbacks [12] - The closure of direct banking apps is viewed as a completion of their exploratory mission in financial innovation, rather than a failure [13] Group 4: Regulatory and Market Influences - Regulatory guidance emphasizes the need for banks to manage mobile applications effectively, focusing on user engagement and compliance [15] - The article highlights the need for banks to address "digital anxiety" by aligning their digital transformation strategies with actual user needs and market conditions [16][17] - Recommendations for banks include breaking down internal barriers, finding unique digital paths, nurturing tech-savvy talent, and enhancing online-offline channel integration [17]