Retail Banking is one of the most dynamic and changing industries worldwide.  Retail banking in each country has unique characteristics reflecting usage and customs.

In the US last year the number of retail banks fell 9% while the number of branches increased 6% indicating industry consolidation and a response to make it easier for customers to access services.

The location of branches and services reflects the trend to align banking services more with the retail shopping experience than with the traditional banking experience.

Banks in developing and transitioning countries such as Eastern Europe and China charge more for products and services than do banks in mature markets.   These countries are adopting online and call center banking to avoid the cost of infrastructure buildup.

The Retail Banking industry models consist of a set of integrated logical data models designed for the retail banking industry.

The Retail Banking models provide a comprehensive data and reporting architecture to address the needs of retail banks across their entire business and may be seamlessly integrated with other ADRM Financial Services industry offering.

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