Adjusting the mobile account SMS reminder service can be seen as a measure for banks to refine cost management. Multiple banks have stated that some mobile banking services will provide reminders through mobile banking, and users can also receive real-time mobile banking information by simply opening the relevant notification functions of mobile banking. Recently, several banks have announced adjustments to their mobile account SMS reminder services. Starting from September 16th, Guangdong Huaxing Bank has stopped sending SMS reminders for account turnover amounts below 500 yuan. Hubei Bank has raised the starting amount for SMS reminders for personal debit card account turnover to 100 yuan. Previously, Bank of China has adjusted the default transaction threshold amount for triggering SMS notifications for individual customers who enjoy lifetime free SMS account notification services to 100 yuan. The dynamic account reminder service facilitates users to timely understand changes in account balance. Usually, after users bind their mobile phone number to their bank card, once a transaction occurs on the bank card, the bank will notify the user via SMS. At present, most banks adopt a charging model for this service, with varying fee standards, generally ranging from 1 to 4 yuan per month. Although some banks offer a free trial period, it will be automatically renewed afterwards. From a cost perspective, if mobile SMS services are provided for free for a long time, it will indeed increase the operational burden on banks to a certain extent. Xue Hongyan, a special researcher at Su Shang Bank, introduced that different banks have different settings for the threshold amount of accounts receivable. Some default to a lower starting point, while others set a higher threshold, requiring customers to actively adjust in order to cover small changes. As the transaction scale expands, such costs accumulate significantly. Therefore, adjusting the dynamic account SMS reminder service can be seen as a measure for banks to refine cost management. Why are banks currently adjusting their dynamic account amounts? Lou Feipeng, a researcher at China Postal Savings Bank, believes that the main purpose is to cope with the narrowing of net interest margin and profit pressure, which also reflects the bank's efforts in refined operation, aiming to achieve the goal of cost reduction and efficiency improvement by reducing the expenditure on low value reminder services. Multiple banks have explicitly stated in their adjustment announcements that some mobile banking services will be reminded through mobile banking, and users can also receive real-time mobile banking information by simply opening the relevant notification functions of mobile banking. Xue Hongyan pointed out that the purpose of the bank's adjustment of the dynamic account amount reminder is not simply to increase revenue, but more importantly to achieve a balance between cost control and customer experience, thereby promoting digital service transformation, and guiding customers to use more online channels such as mobile banking and WeChat banking. Will adjusting the mobile account SMS reminder service affect bank branch business? Experts generally believe that bank branches should not be limited to traditional business operations, but should transform into customer experience centers, complex business consulting centers, and regional financial service centers, focusing on providing high value-added professional services. By promoting the integration of online and offline, and utilizing intelligent devices to support customers in self-service business processing, the service process is extended to online appointment and offline delivery, achieving more efficient business collaboration. At the same time, branches should also shoulder the responsibility of customer education, helping groups who are not familiar with digital tools to adapt to online services as soon as possible and achieve more comprehensive customer coverage. Xue Hongyan suggests that banks can rely on data analysis and intelligent technology to develop wealth management products that better meet customer needs, and improve the accuracy and efficiency of online and offline services. By introducing advanced technologies such as artificial intelligence and blockchain, optimizing risk control processes, achieving real-time monitoring and automated processing, and reducing operational costs and risks; By implementing differentiated dynamic accounting reminder strategies, we can more effectively carry out customer segmentation management, better adapt resources to different customers, and further improve overall service efficiency and satisfaction. (New Society)