Core Viewpoint - The banking industry is tightening control over cashless transactions, leading to a significant reduction in cardless cash services across multiple banks [1][3]. Group 1: Bank Policy Changes - China Merchants Bank announced it will stop ATM QR code deposit services starting April 9, 2025, to enhance customer safety and convenience [2]. - Over 30 banks, including major state-owned and joint-stock banks, have adjusted or closed cardless cash services in the past year, indicating a broader trend in the industry [3]. Group 2: Risk Management and Cost Considerations - The tightening of cardless cash services is primarily driven by financial risk concerns, as these services can lead to potential financial risks for banks [3]. - The operational costs associated with maintaining ATM systems and managing cardless cash services are also a factor in the decision to scale back these offerings [3]. Group 3: Customer Reactions and Usage Patterns - Customer responses to the cancellation of cardless services are mixed; while some prefer the convenience of QR code transactions, many still opt for traditional card usage [4]. - The demographic using ATM services tends to be older individuals who are more accustomed to using physical cards, indicating a potential gap in service adaptation among different age groups [6]. Group 4: Security Concerns - Experts highlight that the security of QR code deposits is relatively low, contributing to the decision to discontinue cardless cash services [4][5]. - The potential for identity verification issues and the risk of money laundering are significant concerns that banks must address in their cash handling processes [6].

来源：21世纪经济报道 你有多久没用过ATM扫码存款了？ 日前，招商银行发布公告称， 该行将于4月9日起停止ATM扫码存款服务 ，后续，客户可持银行卡，通过招商银行ATM或前往该行营业网点办理存款业 务。 近年来， 多家银行都在收紧无卡存取款业务 。谈及调整此类业务的原因，多家银行表示，是基于优化金融服务、风险管理以及成本效率等方面的考量。 01 近一年来，超50家银行暂停各类无卡业务 据不完全统计，近一年来已经有超过50家银行机构宣布，停止无卡存款、无卡取款、扫描取款等各类业务。 去年三、四月份 多家国有大行率先作出调整 比如， 工商银行 率先表示，其个人手机银行无卡取现功能已于去年4月17日起暂停服务，客户可通过ATM机手机银行扫码取现功能提取现金，或在ATM机 上插卡提现。 交通银行 随后发布公告称，于2024年5月24日起停止个人手机银行无卡取款功能中的预约取款服务。客户仍可通过交通银行智能机具办理有卡取款、扫码 取款或前往银行营业网点办理取款业务。 去年下半年 多家股份行、头部城商行持续跟进 去年6月4日， 民生银行 发布公告称，将于2024年6月7日起停止个人手机银行"ATM无卡取现"功能，现金机 ...

Core Viewpoint - The article discusses the recent trend of banks, including China Merchants Bank, discontinuing cardless deposit and withdrawal services, citing reasons such as risk management, cost efficiency, and the optimization of financial services [1][2][4]. Group 1: Industry Trends - Over the past year, more than 50 banks have suspended various cardless services, including cardless deposits and withdrawals [3][4]. - Major state-owned banks initiated these changes in early 2023, with Industrial and Commercial Bank of China halting its cardless cash withdrawal service on April 17, 2023 [5]. - Following this, other banks like China Communications Bank and Minsheng Bank have also announced similar service suspensions [6][7]. Group 2: Reasons for Changes - Banks are adjusting these services primarily to enhance financial service quality, manage risks, and improve cost efficiency [2][8]. - The low security of identity verification in cardless transactions is a significant factor driving these changes [9]. - The overall demand for cardless deposit and withdrawal services from customers is relatively low, making the impact of these adjustments minimal for banks [9]. Group 3: Customer Impact - Customers will now need to carry their bank cards for deposits and withdrawals, which may lead to some inconvenience [10]. - The shift aligns with the decreasing frequency of cash usage due to the rise of mobile payments, prompting banks to close ATM QR code deposit functions [7].

Core Viewpoint - Several banks in China are discontinuing cardless deposit and withdrawal services, indicating a shift towards more secure and efficient banking methods as technology evolves [1][3][5]. Group 1: Bank Actions - China Merchants Bank announced it will stop ATM QR code deposit services starting April 9, 2025 [1]. - Major state-owned banks, including Industrial and Commercial Bank of China and Bank of Communications, have already suspended various cardless withdrawal services since 2023 [3]. - Smaller banks, such as Qixia Rural Commercial Bank and Laizhou Rural Commercial Bank, have also begun to phase out cardless withdrawal functionalities as of December 1, 2023 [4]. Group 2: Technology and User Behavior - The rise of mobile banking and QR code payments has led to a decline in the usage of ATM QR code deposit functions, which are now seen as less convenient compared to newer technologies like facial recognition [5][7]. - Analysts suggest that the majority of ATM users are older individuals who prefer traditional card-based transactions, indicating a potential gap in user adoption for newer technologies [7]. Group 3: Security Concerns - Experts highlight security risks associated with cardless transactions, such as the inability to verify the identity of depositors and potential vulnerabilities in confirming the relationship between the payer and payee [7]. - The discontinuation of cardless services is viewed as a necessary step to enhance the security of banking operations and to comply with regulations aimed at preventing money laundering [7].