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Industries

Retail Banking

Branch networks, digital channels, and the decisions between them.

Overview

Retail banking is where the gap between an institution's stated digital strategy and its actual decision-making shows up fastest — a branch closure decision, a core system migration, a loan approval workflow all reveal, quickly, whether decision rights have genuinely moved or just the marketing has.

Our retail banking work spans core banking migration, branch network economics, and the operating model consequences of channel shift. We're consistently sceptical of transformation plans that treat digital adoption as inevitable rather than something that has to be designed for.

Where we help

Relevant services

Digital Transformation

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Operating Model Transformation

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M&A Integration

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Representative work

Case studies

Core banking migration, without breaking daily operations

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Restructuring branch decision-making as volumes shift digital

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Integrating an acquired lending book without disrupting risk appetite

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Practice team

Who works in this industry

Photography TBD

James Whitcombe

Principal, Retail Banking

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Sarah Chen

Head of Digital Transformation

Related insights

Published research

Research Paper

The Economics of Branch Networks in 2026

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Article

Branch Networks Aren't Dying, They're Being Misused

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Article

Retail Banking's Decision Latency Problem

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Talk to the team

Every enquiry goes directly to a senior partner with relevant industry experience.

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