Growth And Development Of Retail Banking In India

  • Kavish Sharma Assistant Professor, Acharya Vishnu Gupt Subharti College of Management & Commerce


Retail Banking as a business model is adopted by all the banks on account of multiple comfort factors for the banks viz. acquisition of a huge customer base, multiple product offerings, better pricing and profitability, scope for cross selling and up selling financial and beyond financial products for increased per customer revenue and of course better risk proposition. With the changing paradigm of technology as the driver for retail banking explosion, banks are embracing different strategies by redesigning their conventional business silos, re-engineering existing products and inventing products, services, channels, relationships to increase the share of the customers' wallet. Key words : retail banking, customer


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