"点开手机准备登录手机银行，发现几个不常用的APP竟是同一家银行的，包括信用卡、手机银行…… 功能相似却彼此独立。"在北京从事会计工作的张亮告诉记者。 这并非个例。曾经，手机银行APP是银行的"必争之地"，不少银行针对理财、信用卡、生活消费等领域 业务开发APP，以期精准触达不同客群。然而今年以来，银行业务布局策略悄然发生了转向，不少银行 密集关停了旗下一部分APP，加快进行"瘦身"。比如，中国银行发布公告称，"缤纷生活"APP逐步把功 能迁移至中国银行APP后将关停；北京银行也宣布，原直销银行APP等停止服务后，相关功能统一并 入"京彩生活"APP。 中国互联网金融协会8月发布的通报显示，今年上半年，移动金融APP新增备案66款，注销75款，注销 数量超过新增数量。 曾经扎堆推广，如今集中关停，银行APP策略为何出现如此大的转变？"用户活跃度低、功能冗余、运 营成本高，是银行关停部分APP的主要原因。"中国邮政储蓄银行研究员娄飞鹏指出，早期银行推出独 立APP是为了快速抢占细分市场，但当前行业已从规模扩张转向质量提升，必须顺应数字化转型趋势， 从多个APP分散服务转向一站式平台，以提升用户体验。 专家表示， ...

Core Insights - The overall monthly active users (MAU) of mobile banking apps in China remained stable between 650 million and 720 million in Q3 2025, indicating a saturation in market growth and a shift towards intensified competition among existing players [2][16] - User engagement metrics, such as daily usage time and app launch frequency, continued to decline, highlighting a decrease in user stickiness [2][16] - The competitive landscape is undergoing significant restructuring, with state-owned banks solidifying their dominance, while private banks struggle to maintain relevance [2][15] State-Owned Banks - The six major state-owned banks captured six of the top seven spots in the mobile banking MAU rankings, with Agricultural Bank of China leading at over 250 million MAU [3][6] - All major state-owned banks reported positive MAU growth, with Industrial and Commercial Bank of China leading at a 6.1% quarter-on-quarter increase [6][10] - The robust performance of state-owned banks is attributed to their strong digital strategies and comprehensive service offerings, enhancing user engagement [6][10] Joint-Stock Banks - Joint-stock commercial banks showed overall stability, with China Merchants Bank leading this category with over 70 million MAU, ranking fifth overall [7][9] - There is a noticeable internal differentiation among joint-stock banks, with some like Everbright Bank and CITIC Bank showing significant growth, while others like Minsheng Bank faced declines [10][15] - The competitive edge of China Merchants Bank stems from its focus on digital transformation and wealth management services [10] City Commercial Banks - City commercial banks emerged as a highlight in Q3 2025, with 17 banks entering the top 50 list, led by Ningbo Bank with a remarkable 43.9% growth in MAU [11][14] - The growth of city commercial banks is linked to their targeted regional strategies and tailored services for specific customer segments [14][16] - However, some city banks experienced declines in MAU, indicating that regional advantages do not guarantee growth [14] Private Banks - Private banks are facing a collective decline, with no representatives in the top 50 MAU rankings for Q3 2025, marking a significant shift in the competitive landscape [15][16] - The challenges faced by private banks are attributed to their inability to compete with traditional banks that have strengthened their digital capabilities and customer trust [15][16] - The decline of private banks signals a transition in the industry from rapid user acquisition to deepening engagement with existing customers [15][16] Agricultural and Rural Banks - Seventeen agricultural and rural banks made it to the top 50 list, with Fujian Rural Credit leading at 781.6 million MAU [16] - Most of these banks reported positive growth, indicating a successful strategy in their respective markets [16] - The performance of agricultural banks reflects the ongoing restructuring and competitive dynamics within the banking sector [16]

Core Viewpoint - The mobile banking app has become a crucial platform for commercial banks to expand service boundaries, optimize user experience, and enhance market competitiveness. The industry is shifting from user expansion to refined operations and value extraction from existing users as user engagement declines and traffic stabilizes [1][2][3]. Industry Development - The banking industry is facing profound changes in the operating environment, with narrowing interest margins and intensified competition. The integration of AI technology and data value is becoming essential for banks to build core competitiveness [2][3]. - Since the launch of the first banking app in 2009, the industry has transitioned to online operations, now entering a phase that requires refined management. As of 2023, the overall traffic of mobile banking apps in China fluctuates between 650 million and 720 million, with daily effective usage time dropping from 4.93 minutes to 2.95 minutes [2][3]. Operational Strategies - Banks need to adopt refined operational models to tap into existing user value. A three-layer strategy is proposed: 1. **Foundation Layer**: Build a comprehensive user segmentation and profiling system using big data and AI technologies for optimal resource allocation [3]. 2. **Key Layer**: Deepen the integration of high-frequency life scenarios with financial functions to create a "finance + scenario" ecosystem [3]. 3. **Goal Layer**: Establish emotional connections with users through immersive interactions, enhancing user retention and value accumulation [3]. Mobile Banking App Rankings - In Q3 2025, the top 50 mobile banking apps in China were ranked based on average monthly active users (MAU). The Agricultural Bank of China leads with over 250 million MAU, followed by the Industrial and Commercial Bank of China and the China Construction Bank [5][7]. - State-owned banks showed positive growth, with increases ranging from 1.6% to 6.1%. Among the 10 listed joint-stock banks, 8 experienced growth, with Everbright Bank seeing an increase of over 10% [5][7]. Performance of State-owned Banks - The six major state-owned banks maintained strong performance in Q3 2025, with the Agricultural Bank of China leading the MAU rankings. The Industrial and Commercial Bank of China and the China Construction Bank also performed well, with significant growth rates [7][9]. Performance of Joint-stock Banks - Joint-stock banks performed well in Q3 2025, with China Merchants Bank leading with over 70 million MAU. The overall MAU for joint-stock banks increased, with Everbright Bank showing an 11% growth [13][14][16]. Performance of City Commercial Banks - City commercial banks had a notable performance, with 17 banks entering the top 50 list. Ningbo Bank led with 364.4 million MAU, achieving a 43.9% growth rate [19][21]. Performance of Rural Commercial Banks - In Q3 2025, 17 rural commercial banks and rural credit cooperatives made it to the top 50 list, with Fujian Rural Credit leading at 781.6 million MAU. Most banks showed positive growth, with Sichuan Rural Credit and Fengshou Interconnection exceeding 10% growth [24][25]. Future Outlook - The future development of banking apps will heavily rely on data and AI technologies, with AI digital financial advisors expected to become core service providers. The transition from standardized to personalized services will enhance user experience and accessibility [27][28].

Core Insights - The mobile banking app has become a core platform for commercial banks to serve users, optimize experiences, and enhance competitiveness in the context of national digital transformation and financial technology innovation [1] - The integration of AI technology, refined operational strategies, and diversified user demands are reshaping the market landscape and value of mobile banking apps [1] User Flow and Behavior - The user flow of mobile banking apps in China is stabilizing between 650 million to 700 million from 2023 to 2025, indicating a saturated market [2] - The decline in user engagement is evident, with average daily usage time dropping from 4.93 minutes to 2.70 minutes and daily usage frequency decreasing from 4.54 times to 2.86 times [4] Operational Strategies - Refined operations are crucial for banks to break through in a saturated market, focusing on precise user insights and intelligent technology applications [6][7] - AI technology is enhancing refined operations by upgrading interaction experiences, strengthening risk control, expanding diverse scenarios, and improving data operations [9] Rankings and Performance - The top three banks by average monthly active users (MAU) are Agricultural Bank of China (24 million), Industrial and Commercial Bank of China (18.9 million), and China Construction Bank (10.6 million) [11][15] - Among joint-stock commercial banks, China Merchants Bank leads with over 7 million MAU, while other banks like Ping An Bank and CITIC Bank follow closely [16][17] - City commercial banks show strong performance, with Jiangsu Bank leading at 349.6 thousand MAU, and several banks achieving significant growth rates [19][20] Case Studies of Successful Apps - Agricultural Bank of China is integrating financial services with daily life scenarios, achieving a 4.8% growth in MAU [28][29] - China Merchants Bank continues to innovate its app to meet customer needs and leverage AI technology [31] - Beijing Bank is focusing on a digital transformation strategy that combines technology, scenarios, and services [35]

Core Viewpoint - Jiangsu Bank has made significant progress in its high-quality development journey by focusing on a stable risk control system, simultaneous growth in scale and efficiency, and innovative management practices [1] Financial Performance - For the third quarter of 2025, Jiangsu Bank reported operating income of 67.183 billion yuan, a year-on-year increase of 7.83%, and net profit attributable to shareholders of 30.583 billion yuan, up 8.32% year-on-year [3] - The annualized ROE was 15.87% and annualized ROA was 0.96%, with a non-performing loan ratio of 0.84%, marking a historical low [3] - The bank's risk coverage ratio stood at 322.62%, indicating strong risk mitigation capabilities [3] Revenue Composition - Jiangsu Bank achieved net interest income of 49.868 billion yuan, a year-on-year increase of 19.61%, and fee and commission income of 5.421 billion yuan, up 7.88% [4] - The bank's total assets reached 4.93 trillion yuan, with loan balances of 2.47 trillion yuan (up 17.87% year-to-date) and deposit balances of 2.54 trillion yuan (up 20.22% year-to-date) [4] Corporate Lending Growth - As of September, corporate loan balances reached 1.6641 trillion yuan, a year-on-year increase of 26.26%, while corporate deposit balances were 1.4028 trillion yuan, up 20.75% [7] - Jiangsu Bank is committed to enhancing financial services in key areas such as technology, green finance, and inclusive finance [8] Retail Banking Development - Jiangsu Bank's retail assets under management (AUM) surpassed 1.6 trillion yuan, with an increase of nearly 200 billion yuan, leading among city commercial banks [11] - The bank's subsidiary, Su Yin Wealth Management, has assets exceeding 800 billion yuan, maintaining its position as the top wealth management subsidiary among city commercial banks [11] Asset Quality and Risk Management - Jiangsu Bank's non-performing loan ratio was 0.84%, down 0.05 percentage points from the beginning of the year, reflecting a consistent improvement in asset quality [13][14] - The bank has implemented reforms in its risk management system, enhancing its risk control capabilities [14] Market Position and Recognition - Jiangsu Bank has gained significant attention in the capital market, with nearly 70 research reports published by analysts this year [16] - The bank ranked 56th in the "Global 1000 Banks" list, improving by 10 positions from the previous year, and was ranked 162nd in the "Fortune" China 500 list [16]

Core Insights - The article emphasizes the critical role of mobile banking apps in the digital transformation of commercial banks, highlighting their function as the main platform for financial services and user engagement in the digital economy [1][6] Group 1: Market Trends - The mobile banking app market in China has transitioned from a high-growth phase to a more refined operational stage, with active users stabilizing around 700 million, leading to a focus on user retention and value extraction rather than mere user acquisition [1][6] - The competition among banks has shifted from "land grabbing" to "fine-tuning" user engagement and operational efficiency, making the ability to leverage existing user bases for deeper engagement a key differentiator [1][6] Group 2: Agricultural Bank's Strategy - Agricultural Bank of China (ABC) has positioned its mobile banking app as a core component of its online operational framework, achieving the highest average monthly unique device count of 252.4 million in Q3 2025, reflecting its strong market presence [2][3] - ABC's stock performance has been positively impacted by its digital transformation efforts, with its share price reaching a peak in October 2025, indicating investor confidence in its operational capabilities and growth potential [2] Group 3: Operational Strategies - ABC employs a "one app strategy" to create a unified platform that integrates financial services, user needs, and technological capabilities, avoiding the pitfalls of fragmented service delivery [4] - The bank focuses on a user-centric approach, offering tailored services for diverse customer segments, including elderly users and minority groups, through a comprehensive service lifecycle management system [4][5] - ABC has developed a "one-stop" smart scene ecosystem that combines financial services with everyday life scenarios, enhancing user experience and engagement [5] Group 4: Technological Investment - ABC invests heavily in financial technology, utilizing AI, big data, and cloud computing to enhance service efficiency and security, thereby improving customer engagement and operational performance [5][6] - The bank's data-driven approach allows for personalized service offerings, significantly improving service conversion rates and customer satisfaction [5][6] Group 5: Future Outlook - The mobile banking app is expected to continue leading innovation in financial services, driven by accelerated ecosystem integration, deepened technological empowerment, and refined user management strategies [6][7]

Core Insights - The rise of local sports events, exemplified by the "Su Super" league, has become a significant topic online, attracting attention from regional banks like Jiangsu Bank, which has successfully integrated sports sponsorship with financial services [1][4][6] - Jiangsu Bank's model of transforming from a mere sponsor to an ecosystem builder in sports finance is noteworthy, providing comprehensive financial services beyond traditional sponsorship [4][6][9] - The competitive landscape for banks is shifting from traditional banking services to embedding financial solutions within lifestyle and community events, as demonstrated by Jiangsu Bank's approach [6][10][20] Summary by Sections Sports and Finance Integration - The "Su Super" league, featuring amateur teams from 13 cities, has gained immense popularity, with a single match attracting over 22,000 spectators, surpassing attendance at some professional leagues [1][4] - Jiangsu Bank's investment of 8 million yuan in naming rights has generated significant brand exposure, with over 1.3 billion views on Douyin [1][4] Jiangsu Bank's Innovative Model - Jiangsu Bank has evolved from a sponsor to an ecosystem co-builder, offering services like prize fund management and financing support for participating businesses, creating a "sponsorship + service + ecosystem" model [4][6] - The bank has transformed its mobile banking app into a service hub for the league, facilitating ticketing and live interactions, thus creating a closed-loop experience that can be replicated in other sectors [4][6] Industry Challenges and Opportunities - The banking sector faces significant challenges, with a 1.72% decline in overall revenue for listed banks in Q1 2025 and a record low net interest margin of 1.43% [7][9] - As traditional customer acquisition methods become less effective, banks are encouraged to develop localized ecosystem strategies, as seen in Jiangsu Bank's successful case [9][20] Broader Industry Trends - Other banks are following Jiangsu Bank's lead, engaging in sports sponsorships and integrating financial services into local sports events, such as Yunnan's football team and Sichuan Bank's involvement in local leagues [13][15][19] - The integration of financial services with sports events is seen as a new frontier for banks, emphasizing the importance of understanding local culture and community needs [12][20]

Core Viewpoint - Several banks in China are consolidating their mobile applications to enhance user experience and address issues related to low user engagement, poor experience, and redundant functionalities [3][5][6]. Group 1: Company Actions - Beijing Bank announced the discontinuation of its direct banking APP and website effective November 12, with functionalities migrated to the "Jingcai Life" mobile banking APP [1]. - China Bank is migrating all services from its "Colorful Life" APP to the main "China Bank" APP, with the "Colorful Life" APP set to stop downloads and registrations [4]. - Other banks, including Beijing Rural Commercial Bank and Jiangxi Bank, have previously shut down their credit card apps, integrating their functions into mobile banking apps [4]. Group 2: Industry Trends - The trend of APP consolidation is not limited to direct banking and credit card applications; many banks are also merging enterprise banking and lifestyle service apps due to low user engagement [4][5]. - The Chinese Internet Finance Association has reported multiple banks applying for the cancellation of their enterprise banking apps and lifestyle service apps due to service cessation [4]. - Regulatory guidance from the National Financial Regulatory Administration emphasizes the need for banks to manage mobile applications effectively, focusing on reducing the number of low-activity and redundant apps [6]. Group 3: User Experience - Industry insiders indicate that the primary motivation for banks to streamline their apps is to improve user experience and reduce the burden of having multiple applications [5][6]. - Users have expressed frustration over the number of banking apps, preferring to consolidate their banking needs into fewer applications for better usability [6]. - The goal of creating a unified "super APP" is to enhance user experience while lowering operational costs and improving risk monitoring [6].

Core Insights - The mobile banking app has become a core platform for commercial banks to serve users, optimize experiences, and enhance competitiveness in the context of national digital transformation and financial technology innovation [1] - The integration of AI technology, refined operational strategies, and diversified user demands are reshaping the market landscape and value of mobile banking apps [1] User Flow and Behavior - The user flow of mobile banking apps in China is stabilizing between 650 million to 700 million from 2023 to 2025, indicating a saturated market [2] - The decline in user engagement is evident, with average daily usage time dropping from 4.93 minutes to 2.70 minutes and daily usage frequency decreasing from 4.54 times to 2.86 times [4] Operational Strategies - Refined operations are crucial for banks to break through in a saturated market, focusing on precise user insights and intelligent technology applications [6][7] - AI technology is enhancing refined operations by upgrading interaction experiences, strengthening risk control, and improving data operations efficiency [9] Rankings and Performance - The top three banks by average monthly active users (MAU) are Agricultural Bank of China (24 million), Industrial and Commercial Bank of China (18.9 million), and China Construction Bank (10.6 million) [11][15] - Among joint-stock commercial banks, China Merchants Bank leads with over 7 million MAU, while other banks like Ping An Bank and CITIC Bank follow closely [16][17] - City commercial banks show strong performance, with Jiangsu Bank leading at 349.6 thousand MAU, and several banks achieving significant growth rates [19][20] Case Studies of Successful Apps - Agricultural Bank of China is integrating financial services with daily life scenarios, achieving a 4.8% growth in MAU [28][29] - China Merchants Bank continues to innovate its app to meet changing customer needs and leverage AI advancements [31] - Jiangsu Bank focuses on merging digital capabilities with wealth management, enhancing its app to address customer challenges [33] - Beijing Bank is implementing a digital transformation strategy that combines technology, scenarios, and services to create value [35]

Group 1 - The importance of personal information security is increasingly recognized in the digital age, prompting Minsheng Bank's Jinan Tianqiao Branch to actively promote awareness and protection measures [1][2] - The branch employs a multi-faceted promotional approach, combining online and offline methods to educate consumers about personal information protection [1] - Online efforts include using platforms like WeChat and mobile banking apps to simplify complex information security concepts for consumers [1] Group 2 - Offline initiatives involve one-on-one education for customers visiting the branch, emphasizing the importance of safeguarding personal items and not sharing sensitive information [1][2] - Staff also distribute informational brochures in local communities, highlighting key points of the Personal Information Protection Law and analyzing prevalent fraud tactics [2] - The branch aims to continuously improve its information protection processes and innovate financial knowledge dissemination to enhance consumer protection and contribute to a stable financial environment [2]