On April 6, Jin10 reported that, according to incomplete statistics, more than 50 banking institutions have announced the suspension of various services such as cardless deposits, cardless withdrawals, and scanning withdrawals in the past year. From the user’s perspective, with the rise of mobile payments, the frequency of cash usage has dropped, and banks have successively closed the ATM QR code deposit function, which is related to various reasons such as protecting customer fund security and the cumbersome use of related functions. Banking professionals indicate that with the development of financial technology, banks need to utilize digital technology to transform business models, business processes, application scenarios, and other aspects. From the current situation, banks are also continuously exploring transformation, strengthening financial service levels, and optimizing and upgrading the functions of existing ATMs.
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