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Retail Banking Fundamentals
YOUR PATHWAY TO SUCCESS
The Retail Banking Fundamentals course provides a comprehensive overview of the retail banking sector, covering essential products, services, and operational processes.
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Course Duration
5 Days
Course Details
The Retail Banking Fundamentals course provides a comprehensive overview of the retail banking sector, covering essential products, services, and operational processes. Retail banking plays a critical role in financial services by offering personal banking solutions such as savings and checking accounts, loans, mortgages, and digital banking services. This course is designed to equip professionals with the knowledge and skills needed to understand the core functions of retail banking, customer relationship management, and the impact of digital transformation on the industry.
Over five days, participants will explore key topics including retail banking products, risk management, regulatory requirements, customer service excellence, and emerging trends such as digital banking and financial inclusion. Through real-world case studies and interactive exercises, learners will gain practical insights into how retail banks operate and how they can improve service delivery, customer satisfaction, and financial performance.
By the end of this course, learners will be able to:
- Understand the importance of ethics in banking and financial services.
- Identify key ethical principles and their application in financial decision-making.
- Recognize ethical dilemmas and implement strategies for ethical decision-making.
- Understand regulatory requirements related to ethics and professional conduct.
- Analyze case studies of ethical breaches in the financial industry.
- Promote a culture of integrity and corporate social responsibility (CSR).
- Address conflicts of interest and ethical risks in financial transactions.
- Implement best practices for ethical leadership and governance.
This course is ideal for:
- Banking and financial services professionals at all levels.
- Compliance officers and risk management personnel.
- Internal auditors and regulatory compliance specialists.
- Senior executives and board members overseeing ethical governance.
- Financial advisors, investment professionals, and wealth managers.
- Professionals in FinTech and digital banking concerned with ethical practices.
- Government and regulatory agency representatives monitoring financial institutions.
Course Outline
5 days Course
Introduction to Retail Banking
- Overview of retail banking and its role in the financial system
- Differences between retail, corporate, and investment banking
- Key players in the retail banking sector
- Retail banking products and services (savings accounts, loans, credit cards, mortgages)
- Case study: Evolution of retail banking from traditional to digital
Introduction to Retail Banking
- Overview of retail banking and its role in the financial system
- Differences between retail, corporate, and investment banking
- Key players in the retail banking sector
- Retail banking products and services (savings accounts, loans, credit cards, mortgages)
- Case study: Evolution of retail banking from traditional to digital
Risk Management and Regulatory Compliance in Retail Banking
- Overview of risks in retail banking (credit risk, operational risk, fraud risk)
- Regulatory requirements for retail banks (KYC, AML, consumer protection laws)
- Importance of internal controls and compliance monitoring
- Fraud prevention strategies and cybersecurity in retail banking
- Case study: Retail banking failures due to poor risk management
Digital Banking and Financial Inclusion
- Impact of digital transformation on retail banking
- Online banking, mobile banking, and digital payment systems
- Role of FinTech in reshaping retail banking services
- Strategies for enhancing financial inclusion and banking accessibility
- Practical exercise: Designing a digital banking product for underserved communities
Future Trends and Best Practices in Retail Banking
- Emerging trends in retail banking (AI, blockchain, open banking)
- The future of branch banking vs. digital banking
- Enhancing customer experience through technology and innovation
- Strategies for increasing profitability and market competitiveness
- Course review, assessment, and certification
