To succeed in Banking 4.X, banks must embrace digital transformation and implement cloud-based Banking-as-a-Service (BaaS) 1 platform models, which utilize APIs 2 to embed banking in everyday life ...

In doing so, retail banks will be able to create, realize and capture long-lasting customer value. Report Methodology The World Retail Banking Report 2022 draws on insights from two primary ...

U.S. retail bank customers have been through the ringer during the past few years. Inflation, market volatility and rising interest rates have contributed to increased prices for goods and services, ...

The retail banking business is often characterized by lower operating efficiency than corporate-focused banks. Fair Value and Profit Drivers. Our fair value estimate for PAB is CNY 13 per A share.

Historically, its retail banking business had a weak deposit base and higher-than-peer funding costs. ... We lower our fair value estimate for PAB to CNY 12 from CNY 14 per A-share.

Frei, Frances X., and Patrick T. Harker. "Value Creation and Process Management: Evidence from Retail Banking." In Creating Value in Financial Services, edited by E ...