数字化转型的浪潮下，银行一部分传统业务渠道正在收窄。 《国际金融报》记者注意到，近日，多家银行发文上调了免费动账短信提醒业务的起点金额，部分银行 提至千元起，动账短信业务收费也陆续恢复。此外，部分银行宣布下线电话银行中的存款交易类功能服 务，并向客户推荐线上服务渠道。 受访专家指出，电话银行等服务已逐步被市场选择自然淘汰，银行此次调整主要出于降本和增收考量， 但在数字化转型过程中，银行也需关注老年人等较为依赖传统业务渠道群体的权益保护。 密集调整电话渠道服务规则 近日，多家中小银行密集发布公告，对传统的电话服务渠道业务规则作出调整。多家机构上调动账短信 服务发送的金额门槛、新增短信收费，也有银行宣布将下线电话银行部分交易类功能。 保障老年人等传统业务群体权益 在素喜智研高级研究员苏筱芮看来，银行上调短信通知费用、取消电话银行服务等举动，表明银行此类 客户服务工作正在持续得到优化。 "取消的服务主要是基于'降本'考虑，此类服务在客群中的使用频次并不高，逐步被市场选择自然淘 汰；而上调费用则是基于'增收'考虑，此类服务通常会存在一定的刚需用户，会存在一定程度的付费意 愿，为银行拓展中收（中间业务收入）带来了更多空 ...

Core Viewpoint - The banking industry is undergoing a digital transformation, leading to a reduction in traditional service channels, such as phone banking and free transaction SMS notifications, which are being adjusted to enhance cost efficiency and revenue generation [1][2][4]. Summary by Sections Changes in SMS Notification Services - Several banks have raised the threshold for free transaction SMS notifications, with some increasing it to 1,000 yuan. For instance, banks in Hunan raised the threshold from 200 yuan to 500 yuan [2][3]. - More than ten banks, including China Bank and Minsheng Bank, have adjusted their SMS notification thresholds this year, with some banks setting the threshold as high as 2,000 yuan [2][3]. Adjustments in Phone Banking Services - Banks like Zheshang Bank and Industrial Bank have announced the cancellation of certain phone banking services, including personal deposit transaction functions, effective November 14 [3]. - The trend indicates a shift towards online banking services, with banks encouraging customers to use mobile and online banking instead of traditional phone banking [3]. Protection of Traditional Service Users - Experts emphasize the need to protect the rights of older customers who rely on traditional banking services, as these adjustments may disproportionately affect them [4][5]. - The CFCA's report indicates that from 2021 to 2024, the proportion of mobile banking users has increased, while phone banking users have decreased by 3 percentage points to 25% [4]. Recommendations for Banks - Banks are advised to ensure clear communication with customers, especially long-term users, about service changes [5]. - It is suggested that banks maintain some traditional service channels, particularly in areas with a high concentration of elderly users, to avoid compliance risks and user disputes [6].