Retail Banking Services Delivery

4 April 2015
An examination of the future of retail banking service delivery.

The purpose of this paper is to review the existing research on real world strategies of implementation of technology and consolidation and to draw conclusions towards recommendations of go-forward policies for harmonious and profitable future operations in retail banking.
Table of Contents
1. Introduction
Overview of the Research Project
Organizational and Environmental Profiles
Banks and the Financial Services Industry
Regulation and Deregulation
Consolidation
Technology
The Human Element/Human Resources
Scope of the Research
Limitations of the Research
2. Literature Review
3. Methodology
Marketing
Strategic Alliances
Successful Systems Integration Business Case
Customer Internet Use
Geographic Impact
Regulation
Operational Risk
Human Relations Considerations
4. Data Analysis
5. Summary, Conclusions, Recommendations
References
“The banking industry has been impacted by a combination of technological, sociological and commercial factors leading to changes in delivery of retail banking services which are in common use today but were not even envisioned in banking business plans as little as a decade ago. The impact of information and communications technology and the effects of banking industry deregulation have combined to create an environment in which the globalization of markets has led to bigger, more diverse markets and increased competition. The effect has been nothing short of a revolution in the structure and priorities of financial institutions, affecting all areas of retail banking: not only the products and services, but also operations, management and employees.”

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