Summary of Future Factors

How Regulation, Client Expectations and Technology Are Transforming Retail Banking

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Future Factors summary
Powerful forces are reshaping the future of retail banking.


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Powerful forces are reshaping the retail banking business: The tectonic plates of customer demand, technological innovation, regulation, demographics and economics are grinding together, sending tremors through already reeling banks and creating an imperative to change. The Economist Intelligence Unit’s survey and analysis suggests that retail bankers who fail to act now will be on shaky ground, while those who find the right balance will ride out the shocks and thrive in the future. getAbstract recommends the report’s thought-provoking take on retail banking’s prospects to bankers, analysts and strategic planners.

In this summary, you will learn

  • What global retail-banking leaders consider their greatest challenges in the years up to 2020 and
  • How those challenges will affect the future prospects of retail banking.


For retail banking leaders, the pressure is on. A survey of 242 senior retail-bank executives from around world reveals that the factor having the greatest effect on the industry until 2020 will be regulation. However, regulation isn’t the only transformative issue with which these chiefs must grapple...
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The Economist Intelligence Unit is an independent research and analysis unit.

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