Recently, Industrial Bank announced that it will cease ATM scanning and withdrawal services in mobile banking from July 10th. There is a possibility of impersonation. For example, if someone logs into your mobile banking account and goes to make an appointment for withdrawal, they can scan the code to prevent others from scanning the code A staff member of Industrial Bank stated that the cancellation of this service is mainly to prevent risks. Source: On the official website of Industrial Bank, in addition to the closure of the QR code withdrawal service in the cardless withdrawal service, several other banks have also adjusted their appointment withdrawal services, such as Bank of Communications, Agricultural Bank of China, and CITIC Bank. In the announcements of multiple banks, "safety" has become a high-frequency term. "Commercial banks' appointment for withdrawal and ATM scanning for withdrawal are cardless withdrawal methods that are designed to facilitate customers' withdrawal." Zhou Maohua, a macro researcher at the Financial Market Department of Everbright Bank, pointed out that without physical card withdrawals, customers may face account or information security risks. Industrial Bank cancels ATM scanning and withdrawal services. Recently, Industrial Bank announced that in order to improve the quality of business development and ensure the safety of customer funds, the bank will cease ATM scanning and withdrawal services in mobile banking from July 10th. ATM scan code withdrawal service is a type of card free service. According to Industrial Mobile Bank, scan code withdrawal first requires selecting "QR code withdrawal" on the ATM machine, and then opening the mobile banking app to "scan" for operation. The cumulative withdrawal limit for a single transaction/day is 5000 yuan. "I can still use it in the next few days. After July 10th, I won't be able to make an appointment for ATM scanning and withdrawal through mobile banking." A staff member of Industrial Bank told reporters that the cancellation of this service is mainly to ensure the safety of customers' funds. "If it is scanning the code, for example, if someone logs into your mobile banking and makes an appointment to withdraw money, then scanning the code may lead to fraudulent use. Cancelling scanning the code for withdrawal is mainly to prevent others from scanning." However, Industrial Bank has not completely cancelled the cardless deposit and withdrawal business. Industrial Bank stated that in the future, customers can still process card withdrawals, facial recognition withdrawals, or go to the bank's branch to process withdrawal services through the bank's ATM. In addition to Industrial Bank, some banks have also cancelled scanning code withdrawal services this year. As announced by the Guizhou Rural Credit Cooperatives Federation, starting from March 16th this year, the ATM scanning deposit and withdrawal business will be adjusted. After the adjustment, the ATM scanning deposit and withdrawal functions will be discontinued. Customers can process transactions through facial deposits and withdrawals, or use the company's bank card to process deposits and withdrawals through ATMs or counters. It is reported that several banks have suspended appointment withdrawal services. This year, some state-owned and joint-stock banks have also adjusted their cardless withdrawal services, but only suspended the mobile appointment withdrawal function, and the scan code withdrawal function has not been cancelled. As stated by Bank of Communications, the appointment withdrawal service in the cardless withdrawal function of personal mobile banking will be suspended from May 24th. Afterwards, customers can still use the bank's smart devices to process card withdrawals, scan codes for withdrawals, or go to the bank's business outlets to process withdrawals. Agricultural Bank of China also announced in May that it will suspend its card free withdrawal business from May 9th, but the bank has not stopped scanning QR codes for withdrawals. Agricultural Bank of China reminds that after the suspension of this service, customers can still handle branch cash withdrawal related businesses through other methods such as card reading withdrawal, mobile banking QR code scanning withdrawal, facial recognition withdrawal, etc. "Card free appointment is a 'card free appointment' service available on the Agricultural Bank of China app. After making an appointment on the app, you can withdraw money from the ATM machine. This service is currently suspended and the specific operation process cannot be seen, but it mainly involves information such as phone number." The staff of Agricultural Bank of China stated that other businesses of the bank can still be used, such as QR code withdrawals or facial recognition withdrawals, all of which are the same. China CITIC Bank also announced that it will close its cash self-service device authorization code withdrawal service from May 17th. The reporter noticed that the bank has not made any adjustments to the QR code withdrawal service. Zhou Maohua said that commercial banks' reservation withdrawal and ATM code scanning withdrawal belong to card free withdrawal methods, which are designed to facilitate customers' cash withdrawal. However, without physical card withdrawals, customers may face account or information security risks, which also increases the cost of system updates and maintenance for banks. Some banks balance security and efficiency to adjust some related businesses. In fact, bank ATMs have also been continuously decreasing in recent years. Recently, the People's Bank of China announced the overall operation of the payment system in the first quarter of 2024. Data shows that as of the end of the first quarter, the number of ATM machines was 837100, a decrease of 8358 compared to the end of the previous quarter; There are 5.94 ATM machines per 10000 people nationwide, a decrease of 0.84% compared to the previous period. (Lai Xin She)