本报讯（记者 潘福达）银行信用卡App迎来一波密集"退场潮"。中国银行信用卡官方公众号近日发布公 告，宣布逐步关停"缤纷生活"App，并将其全部功能逐步迁移至"中国银行"App，该行成为首家关停独 立信用卡App的国有大行。 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"。 南开大学金融学教授田利辉表示，银行App"瘦身"是监管政策、成本压力与用户体验共同驱动的必然选 择，未来或有更多银行会关停旗下活跃度低、体验差、功能冗余的App。中国邮政储蓄银行研究员娄飞 鹏表示，中国银行关停"缤纷生活"App是国有大行首次大规模整合旗下信用卡App，鉴于目前信用卡贷 款余额占总贷款的比例普遍下降，其他国有大行不排除跟进整合。 多家中小银行也陆续整合旗下信用卡App。今年3月31日，北京农商银行关停旗下"凤凰信用卡"App，相 关业务功能已迁移至"北京农商银行手机银行" App；去年12月30日起，"渤海银行信用卡"App正式停止 服务，相应功能也迁移至"渤海银 ...

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 Insights - The trend of shutting down and integrating banking apps continues, with Zhuhai China Resources Bank announcing the termination of its "Run Wallet App" service, reflecting a broader industry shift towards digital transformation aimed at reducing operational costs and enhancing efficiency [1][2] Summary by Category App Shutdown and Integration - Zhuhai China Resources Bank will officially stop the "Run Wallet App" service on October 15, 2025, migrating its functions to the China Resources Bank App for a one-stop service [2] - Many banks, including state-owned and joint-stock banks, are accelerating the consolidation of their apps, particularly focusing on credit card and direct banking apps [2][3] - The number of available credit card apps has significantly decreased, with most remaining apps concentrated among major state-owned banks, while city commercial banks and rural commercial banks have seen a decline in their credit card app offerings [2] Industry Trends - The integration of credit card and direct banking apps is driven by the need for banks to adapt to changing industry dynamics, as these apps have overlapping functions and are becoming less relevant [3][4] - The trend began several years ago, with banks starting to optimize channels and integrate apps, which has accelerated since 2023 [4] Reasons for Integration - The primary reasons for app consolidation include a shift from broad operations to more targeted approaches, focusing on enhancing user experience and operational efficiency [4] - Regulatory policies have also played a role, with the National Financial Regulatory Administration issuing guidelines to strengthen the management of mobile applications in the banking sector [4] Future Directions - The future of banking apps is expected to focus on three main trends: scenario-based integration, comprehensive ecosystem development, and intelligent upgrades through technology [6] - Banks aim to create a "financial + scenario ecosystem" that integrates various life services, enhancing user engagement and loyalty [6]

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].