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 Viewpoint - Multiple banks in China are shutting down their mobile applications, particularly credit card and direct banking apps, as part of a trend towards consolidating services into fewer platforms [1][2][3] Group 1: App Shutdowns - Over 10 banks have closed or are in the process of closing various mobile apps this year, including credit card apps and lifestyle service apps [1] - The "缤纷生活" app from China Bank is migrating its services to the main "中国银行" app, with plans to cease operations of the former [1][4] - Other banks, such as Beijing Rural Commercial Bank and Jiangxi Bank, have also migrated their credit card app functionalities to their main banking apps [2] Group 2: Regulatory Environment - The National Financial Regulatory Administration issued a notice in September 2024 emphasizing the need for banks to manage mobile applications more effectively, including maintaining a record of apps and optimizing or terminating those with low user engagement or high risks [3] - As of June 2025, 2,664 mobile financial apps have completed registration, with 75 apps being deregistered in the first half of 2025 [3] Group 3: Industry Analysis - The initial rush to develop multiple banking apps has led to issues such as poor customer experience and redundant internal systems, prompting a need for consolidation [3]