Recently, a piece of news about the closure of 2,600 branches of China Construction Bank and Industrial and Commercial Bank of China exploded on the Internet. Is this move a wise move by the banking industry to keep up with the pace of the times, or does it ignore the actual needs of the majority of users? As an ordinary netizen, let me say a few fair words.
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First, the big move of the banking giants
When you think of banks, the first thing that comes to mind is probably the outlets that can be found in all corners of the city. But now, these outlets, which once made us feel so familiar, have quietly disappeared. As leaders in the industry, China Construction Bank and Industrial and Commercial Bank of China closed 2,600 outlets in one go, which is really surprising.
2. Online services vs. physical outlets
Some netizens said that the bank did this to comply with the trend of digitalization and intelligence and make online services more convenient. Indeed, now everyone can easily transfer money, pay, and check the balance with their mobile phones, so why go to the bank again? But the problem also arises, for those elderly people who are not very good at using smartphones, this undoubtedly increases the difficulty of their use. Is it true that banks should sacrifice the interests of some users while pursuing efficiency?
3. The game of retention and closure
Although banks have closed a large number of branches, they have not all disappeared. Some of the locations in key locations have been preserved, or even converted into integrated service centers to provide more customized services. This may seem like a good choice, but when you think about it, can these outlets really reach all the people who need it? Especially in some remote areas, users may have to travel far and wide to enjoy banking services.
Fourth, the double-edged sword of intelligent technology
The introduction of advanced technologies such as artificial intelligence and big data by banks has undoubtedly improved service efficiency and customer experience. But it also raises some concerns. Some netizens said that although the technology is good, what should we do if there is a vulnerability or be attacked by hackers? Can the security of our funds be guaranteed? In addition, can these technologies really completely replace manual services? After all, in many cases, we still need to communicate face-to-face with bank staff to solve problems.
Fifth, the views of netizens collided
Regarding the incident of the bank's closure of outlets, netizens can be said to have their own opinions. Some people think that this is a sign of the progress of the banking industry and should be supported, others feel that banks are pursuing maximum profits while ignoring the actual needs of users, and some people are worried that the safety of their funds will be threatened...... In short, this controversy can be described as full of gunpowder.
6. My opinion
As an ordinary netizen, I think there are both advantages and disadvantages for banks to close branches. On the one hand, this does improve service efficiency and reduce costs, but on the other hand, it does cause inconvenience to some users. Therefore, banks should pay more attention to balancing the interests of all parties in the process of transformation to ensure that users can enjoy more convenient, safe and efficient banking services. At the same time, we, as users, should also actively adapt to this change and learn to use online platforms to solve problems. After all, the times are advancing, and we can't stand still!