Core Insights - The banking industry is undergoing a transformation with banks raising the threshold for transaction SMS notifications and discontinuing telephone banking services, reflecting a shift towards digitalization and cost efficiency [1][3] - Over 10 banks have streamlined basic service offerings this year, including major state-owned banks, city commercial banks, and rural commercial banks, indicating a widespread trend [1] Group 1: Cost Efficiency and Digitalization - The continuous narrowing of interest margins has increased the pressure for banks to reduce costs and improve efficiency, leading to a focus on traditional service channels that are high-cost and low-frequency [1] - The digital wave is driving the evolution of service models, with online and intelligent financial services becoming essential as the number of internet users in China is expected to exceed 1.1 billion by the end of 2024 [1][2] Group 2: Inclusivity and Service Experience - Certain demographics, such as the elderly and those with disabilities, may struggle with digital banking, highlighting the need for banks to respect diverse service experiences during their digital transformation [2] - Banks are encouraged to explore flexible service exit mechanisms and differentiated customer strategies, such as retaining SMS notifications for elderly clients and creating "whitelists" for essential services [2] Group 3: Balancing Technology and Human Touch - The adjustment of basic banking services is a rational choice driven by market competition, but it is crucial to maintain the "warmth" of financial services amidst the pursuit of speed in digitalization [3] - The future success of banks will depend on their ability to harness technology while ensuring that they provide a high-quality, inclusive service experience for all customers [3]

本报记者 彭妍 近日，多家银行发布公告称，对账户动账短信服务进行调整，不再为部分账户提供免费动账短信提醒。 这一举措引发了广泛关注。 在调整账户动账短信服务后，银行将更注重优化线上动账服务。多家银行在公告中同步提及，调整短信 服务后，将进一步优化手机银行等线上渠道的动账提醒功能，确保客户能实时、准确获取账户变动信 息。 受访人士表示，从银行角度来看，此次服务调整既是顺应行业数字化转型趋势的必然选择，更是通过精 细化运营实现降本增效、保障服务质量可持续性的重要举措。 调整动账短信服务 9月16日，广东华兴银行江门分行通过官方微信公众号发布公告，宣布优化个人客户账户动账短信发送 规则。根据公告内容，自9月16日上午9时起，该行将停止发送账户动账金额在500元以下的相关短信提 醒。 9月15日，湖北竹溪农商银行通过官方微信公众号发布公告称，于2025年9月16日起陆续停发存量免费短 信、资产未达标VIP卡客户100元（含）以下的小额动账提醒短信，同时对惠农补贴类卡客户将仅发送 补贴到账短信，其他客户短信业务不受影响。 事实上，今年以来已有多家银行率先启动相关调整。例如，中国银行此前发布公告称，自2025年5月1日 ...