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Retail Banking



Reaching Asia’s digital banking customers

– Asia’s banking customers are migrating to digital channels in force. The challenge for the region’s banks is to deliver... superior digital experiences before competitors do.

Disruption in European consumer finance: Lessons from Sweden

– Strong earnings in European consumer finance have drawn the attention of attackers, including large retailers and fintechs. To... maintain their position, banks must focus on the customer and transform their operating models.

For US banks: A time for transformation

– To achieve robust performance and meet market expectations, US banks will need to embark on ambitious and holistic transformations.

African retail banking’s next growth frontier

– Revenue could pick up significantly in the next five years. The region’s winners are likely to emphasize a few key themes—such... as going digital first or making banking leaner and simpler.

An efficient operating model for US regional banks

– To break out of a performance rut, US regional banks must fundamentally redesign and simplify their operating models.

Reimagining the bank branch for the digital era

– Even in an increasingly digital arena, the branch network can play a critical role in building trust and credibility, providing... financial advice, offering convenience, and easing the transition to digital channels.

A consumer-centric approach to retail banking sales

– Scrutiny of retail banking sales practices is at a high pitch—banking leaders should also see this as an opportunity to... reset and strengthen relationships with their customers.

The transformative power of automation in banking

– A second wave of automation in banking will increase capacity and free employees to focus on higher-value projects. To capture... the opportunity, banks must take a strategic, rather than tactical, approach.

Remaking the bank for an ecosystem world

– Global banking-industry performance has been lackluster. Now comes the hard part: the rise of nonbanking platform companies targeting... the most profitable parts of the banking value chain.

Pathways to growth in North American retail banking

– With fintechs targeting profitable banking functions and products, North American retail banks will need strong capabilities in... areas such as advanced analytics, digital factories and customer insights in order to capture revenues.

Reinventing small and medium-size business banking in the US

– US bank lending to SMBs has been flat in recent years, while alternative lenders have seen robust growth. If banks do not move... quickly to engage with SMBs digitally, they risk losing even more share of the market to fintechs. Banks possess a wealth of strategic advantages in the battle for SMB business, but they must actively leverage these in order to stay competitive.

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