Why does China Construction Bank need to open mobile banking, online banking, telephone banking and SMS?

I don't know whether you are talking about payment or loan.

Mobile banking, online banking, telephone banking and SMS services are designed to facilitate customers to check their accounts in time.

If you don't need it, it will open for you. You can find a counter to cancel the contract after opening. If you are talking about a loan account, it is generally the default means for bank insiders to complete their tasks. After you get it, you can take your certificate to the counter to cancel the contract without offending your loan manager.