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Retail & Small Business Banking



Banks’ core technology conundrum reaches an inflection point

– The founder and CEO of Thought Machine talks with McKinsey about how advances in cloud-based solutions are helping banks meet... the technology challenge.

Disruption and innovation in US auto financing

– The relatively stable auto financing market appears poised for change as strong demand draws the attention of a broad range of... attackers.

Leading with mobile: In conversation with ING’s Petri Nikkilä

– ING’s head of retail markets leaders for the Netherlands, Belgium, and Luxembourg discusses the bank’s journey to... a mobile-led model, and about balancing customer experience with operational and digital innovation.

Strategic M&A in US banking: Creating value in uncertain times

– Uncertain times can spell opportunity for companies seeking acquisitions—if companies proceed with care. Four actions can... help banks maximize the value of their M&A.

A digital approach to SME banking

– Small and medium-size enterprises are a clear growth opportunity for banks in a difficult environment. A digital-first approach... with a personal touch can help banks crack the code of this historically overlooked segment.

Reshaping retail banks: Enhancing banking for the next digital age

– The current model of universal retail banking is unsustainable over the long term. To thrive, banks need to reinvent themselves,... focusing on businesses where they can achieve and extend market leadership in the new digital world.
Article - McKinsey Institute for Black Economic Mobility

Investing in—and with—Black consumers in financial services

– Financial-services companies—specifically in banking and insurance—have an opportunity to address equity and gain... commercial benefits by better serving Black consumers.

Best of both worlds: Balancing digital and physical channels in retail banking

– Banking distribution needs to account for the evolving interdependencies between channels. Accelerating digital and upgrading... the physical experience to “phygital” offers a viable solution.

Merchant acquiring and the $100 billion opportunity in small business

– What will it take to grow in the age of value-added services? Our work with payments practitioners suggests a few promising strategies... for serving smaller companies.

Emerging markets leap forward in digital banking innovation and adoption

– As consumer use of digital banking accelerates in Asia–Pacific, the region’s emerging markets have become the hub... of banking innovation for digital business models.

German banking returns to the playing field

– The challenges facing Germany’s banking sector are steep, but a new game plan presents the opportunity for a sustainable... future for the industry.
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