And so the rise of mobile banking removed any real reason to have bank branches. Visits to bank branches declined dramatically throughout the 2010s, and banks aggressively redesigned the banking experience around the digital interface. The number of commercial bank branches per capita peaked in 2009 and has fallen by nearly 30 percent since, with most of the decline occurring in wealthier areas that were more likely to adopt digital banking first. Between 2008 and 2025, Bank of America, which at some point surpassed Citibank as the second-largest deposit bank in the United States after Chase, closed about 40 percent of its branches. Online banking had been around since the 1990s, Bank of America’s CEO said, but the iPhone was a “game changer” that “effectively allowed customers to carry a bank branch in their pockets.”
传统云的资源管理是人工配置、预设规则。计费模式是按资源规格（CPU/内存）。运维方式是人工监控、人工处理故障。开发体验是需要配置服务器、网络、安全组。，更多细节参见免实名服务器
。谷歌是该领域的重要参考
刘晓曙进一步指出，中小银行需从两个方向自我强化。一是做好差异化定位。中小银行的生存空间在于大行覆盖不到或不愿深耕的细分市场，比如县域“三农”、本地小微、特定产业链等。规避同质化竞争，明确服务对象和产品边界，是避免被动出清的根本。二是强化公司治理。历次中小银行风险事件的背后，几乎都有股权结构混乱、大股东干预经营、内控失效等问题。落实股东资质管理、强化董事会独立性、完善内部审计和风险文化建设，是中小银行防范风险的根本措施。，更多细节参见官网
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