Skip to main content

Retail Banking

Focused on modernizing the customer experience

To thrive in today's highly competitive market, retail banks must continuously innovate their products, platforms, and customer experiences. Explore how our multidisciplinary capabilities, including advanced AI and human-centered design, support your entire leadership team in navigating uncertainty and securing long-term loyalty.

Geared to support growth

Geopolitical and economic uncertainty. Changing customer expectations. Mounting competition from nonbanks. Escalating financial crime. Digital disruption. New payment methods and stores of value. Retail banking leaders have no shortage of issues to address on a daily basis, and the cost of inaction can be high.

Deloitte works with our retail banking clients to develop and execute strategies to not just stay ahead of these mounting complexities but reshape them into new opportunities. We support every C in the C-suite through unmatched multidisciplinary depth that extends well beyond our long-standing legacy of assessing risk and compliance.

We can combine our AI engineering experience with product and marketing strategy to create uniquely personalized customer propositions. We can pair our human-centered design capabilities with platform depth to help enable digital transformation in banking. And we can support the growth agenda across multiple dimensions, whether it’s revisiting distribution models, innovating around new products and services, implementing new technologies, or growing and retaining primacy within the existing customer base. Whatever the ask, we have the competencies and scale to deliver—time and time again.



Integrated capabilities for the modern banking landscape

  • Who we serve

    We provide retail banking solutions to clients that cater to consumer and small business customers, from large banks with a national or global presence, to community banks and credit unions, to digital-only banks and nonbanks offering retail financial services.

  • What sets us apart

    Deloitte brings together disciplines, people, and solutions to deliver greater value and impact. By connecting clients to the full power of our collective knowledge, experience, technology, and capabilities, we can help retail banks target the areas of their business to enable lasting impact.

Our services

Discover the myriad ways we can work with you to help transform your business, drive greater efficiency, and manage risks.

Why retail banking leaders choose Deloitte

Deloitte can deliver the audit and assurance services retail banks need to keep pace with accelerating change and be regulation ready.

We can help modernize your data and analytics to enable greater customer segmentation, tackle pain points, and strengthen fraud prevention.

BankingSuite, our repository of digital app and web-based journeys, is easily customizable and can save thousands of hours of development effort.

We have deep relationships with vendors that enable us to be technology-agnostic and find the solution that will work best for each client.

We can help integrate your customer channels to reduce friction and provide a consistently seamless experience.

Our human capital specialists help cultivate talent beyond the banking bubble by establishing new talent development models that meet tomorrow’s needs.



How we deliver value

Explore stories that bring to life the many ways we have helped clients resolve complex problems, create meaningful progress and advantage, and deliver value in the midst of adversity.

  • A bank’s software developers can’t get by on speed alone.

    Deloitte IndustryAdvantage™ and AI Assist™ helped a bank transform its software development life cycle so teams could work smarter (not just faster) together.

  • A bank that’s built with data, not bricks and mortar.

    Deloitte helped a digital bank lay a strong foundation for leveraging data and analytics to better serve customers and accelerate growth.

  • At first they doubted her. Then she over delivered.

    A conversational AI agent joins the team—just in time for a crisis.

2050: Banking beyond

Bold predictions for the next quarter century.

Will retail banking be recognizable by 2050? This series explores what the competitive landscape might look like by midcentury—or even sooner—and what banking leaders can do to prepare for it now.