Core Viewpoint - The recent announcement by Bank of China to gradually shut down its "Bountiful Life" app and migrate its functions to the main "Bank of China" app highlights a shift in the credit card app landscape, moving from smaller banks to major state-owned banks amid a backdrop of declining credit card business and cost-cutting measures in the banking industry [1][5][17]. Summary by Sections Credit Card App Shutdown - Bank of China announced the gradual shutdown of its "Bountiful Life" app, which will have all its functions transferred to the main "Bank of China" app [1]. - This trend of shutting down credit card apps is not new, as several banks, including Shanghai Rural Commercial Bank and Beijing Rural Commercial Bank, have previously made similar moves [5]. Market Dynamics - The credit card app market is experiencing increasing differentiation, with a clear ranking in monthly active users [7]. - As of June 2025, the top 20 credit card apps include 5 state-owned banks, 9 joint-stock banks, and 2 city commercial banks, with the highest monthly active users exceeding 14 million for several apps [7][8]. - Bank of China's "Bountiful Life" app had only 1.55 million monthly active users, ranking 13th among state-owned bank credit card apps [7][9]. Credit Card Loan Scale - State-owned banks maintain a significant advantage in credit card loan scales, with China Construction Bank being the only bank with a credit card loan scale exceeding 1 trillion yuan, reaching 1,054.95 billion yuan as of June [10][11]. - Other major state-owned banks also report credit card loan scales above 500 billion yuan, while joint-stock banks like China Merchants Bank show strong performance with a credit card loan balance of 924.49 billion yuan [10][11]. User Engagement and Competition - The focus of credit card apps has shifted from acquiring new customers to retaining existing ones, as many consumers already hold multiple credit cards [14][15]. - The competition for user engagement is intensifying, with various lifestyle service apps entering the market, making it challenging for credit card apps to attract new users [15][19]. Operational Efficiency - The closure of independent credit card apps reflects a broader trend towards centralized management of banking channels [17]. - Regulatory guidance has prompted banks to streamline their mobile applications, focusing on user engagement and operational efficiency [18][19].

21世纪经济报道记者李览青 尽管信用卡App关停已不是新鲜事，但这次"聚光灯"下的主角从股份行、城农商行变成了国有大行。 （中国银行信用卡官方微信公众号推文截图） 9月28日，中国银行信用卡官方公众号发布公告，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，引发市场关注。 一直以来，链接线上与线下渠道的信用卡App都承载着两大任务。一方面是通过生活类服务触达线下日常消费场景，基于线下获客拓展向线上渠道引流；另 一方面是基于用户在App中的行为分析形成数字化标签体系，描绘信贷用户画像，既为线下合作消费场景提供流量，也能与全行信贷业务形成整体合力，实 现"千人千面"的金融服务。 然而，在信用卡业务缩水、银行业整体降本增效的大背景下，自营信用卡App这一渠道逐渐变得"不划算"了。去年以来，上海农商银行、北京农商银行、渤 海银行等多家银行先后宣布关停信用卡App，并将相应功能迁移至本行手机银行App。 市场分化加剧 无论从市场份额还是流量排序来看，各行信用卡业务的分化还在加剧。 易观千帆发布的最新数据显示，信用卡类App月活跃用户规模排名呈现明显的梯队分化。 2025年6月，在该类App月 ...

Core Viewpoint - The announcement from Shanghai Pudong Development Bank's Credit Card Center indicates the discontinuation of services related to the Alipay channel's official account and mini-programs starting from October 15, 2025, urging cardholders to use the Pudong Bank's app for financial services [1] Group 1 - Shanghai Pudong Development Bank's Credit Card Center will stop providing services through Alipay's official account and mini-programs [1] - The cessation of these services is set to take effect on October 15, 2025 [1] - Cardholders are encouraged to download the Pudong Bank's Pudong Happy App for more timely and convenient financial services [1]

8月26日，浦发银行信用卡中心发布公告，将自2025年10月15日起停止提供浦发银行信用卡支付宝渠道官方生活号和小程序相关服务，用户可下 载浦发银行信用卡中心浦大喜奔App，以获取金融服务。 | 浦发银行 | | SPD BANK | 信用卡 Credit Card | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | | 首页 | | 申请信用卡 | 服务指南 分期理财 | | 小浦生活 | 积分享兑 | 非常优惠 | | 最新资讯 | | | 当前位置:首页>最新资讯>最新公告 | | | | | | 1.800 Pal 1.13 miles and = 1. | ,全国性优惠活动 ,区域性优惠活动 | | | 关于浦发银行信用卡中心支付宝渠道生活号和小程序下线的公告 | | | | ...