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Retail Banking Essay Topics & Paper Examples

Features of Retail Banking

Retail banking can be defined as the offering of banking and financial services to the individuals and small and medium sized firms (SMEs). Today the retail banks are not just ‘high street’ banks with the physical presence in the towns and the cities of the UK, in fact the advent of phone banking and internet banking has added various services and characteristics to the scope of retail banking. Moreover, there are ‘virtual’ banks which run on the internet and save themselves the costs of building and staffing and outsource their key activities of database maintenance, call centres and plastic cards production. Due to these virtual banks there has been an increase in the competition and creativity for banking even though…