Core Viewpoint - Recent adjustments in banking services indicate a shift from WeChat public accounts to mobile banking apps for financial transactions, reflecting a trend towards enhancing mobile banking capabilities and user experience [1][2][3]. Group 1: WeChat Channel Adjustments - Several banks have announced changes to their WeChat public account functionalities, with some accounts set to be discontinued and services migrated to "micro banking" accounts [2][3]. - The effectiveness of WeChat public accounts in customer acquisition and retention has been limited, prompting banks to reduce investments in this channel [2][3]. - Changes in WeChat's display rules have affected the visibility of bank communications, leading to a preference for direct customer engagement through mobile banking apps [2][3]. Group 2: Mobile Banking App Development - Mobile banking apps are increasingly seen as the core platform for banks, integrating diverse functionalities such as bill payments, investment purchases, and personalized services [5][6]. - Banks are actively working to "wake up" inactive mobile banking users by encouraging them to engage with the app through various transactions [4][6]. - The user base for mobile banking has significantly increased, with active user penetration rising from 12.48% to 55.69% over the past decade, indicating a shift towards mobile banking as a standard financial service [5][6]. Group 3: Future Directions in Banking Channels - The future of banking channels is expected to focus on a combination of public and private marketing strategies, leveraging high-traffic platforms like WeChat and Douyin for customer acquisition while enhancing mobile banking apps for service delivery [5][6]. - Banks are transitioning from single transaction points to comprehensive service platforms, emphasizing the integration of online and offline services, AI capabilities, and personalized customer experiences [6][7]. - The evolution of mobile banking is characterized by a shift from basic functionality to a focus on user experience, with banks aiming to create a seamless and intelligent service ecosystem [6][7].

Core Viewpoint - The article discusses the recent trend of declining deposit interest rates and offers practical financial management tips to balance liquidity and returns, emphasizing the importance of savings and investment strategies in personal finance management [1]. Group 1: Savings and Investment Strategies - The "334 Rule" is proposed for effective fund allocation, suggesting that 30% of income should be allocated to liquid investments, another 30% to fixed-income products, and the remaining 40% to secure assets like fixed deposits and government bonds [4]. - Various "pain-free saving methods" are introduced, including systematic investment plans (SIPs) in mutual funds, the "Twelve Deposit Rule" for regular savings, and savings insurance as a means of enforced saving [5]. Group 2: Types of Financial Products - Different types of bank deposits are outlined, including fixed deposits, large-denomination certificates of deposit (CDs), and notice deposits, with a focus on the current phenomenon of interest rate inversion where longer-term deposits yield lower rates than shorter ones [7][8]. - Government bonds are highlighted as a popular investment choice, often selling out quickly, with current rates for three-year and five-year bonds at 1.93% and 2% respectively, offering better returns compared to declining deposit rates [9]. - Savings insurance is recommended for long-term financial planning, with features such as guaranteed returns and the potential for wealth transfer, although current rates have decreased to around 2.5% [10]. Group 3: Financial Product Selection - For liquid investments, newly launched financial products are suggested as they may offer higher initial yields, while for longer-term investments, closed-end and open-end financial products are recommended for their stability and automatic reinvestment features [11][12].