Davis International Banking Consultants
 
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 Retail Banking

Much of DIBC's work is concerned with retail banking. Key themes include distribution strategies (especially branches, franchising, direct banking by post and telephone, and internet banking), cross-selling (insurance and mutual funds), customer segmentation (by income, wealth, age, etc) and branding. Other work has involved cross-border opportunities and cross-border competition.


Representative assignments:
  • Strategic study for a major Nordic bank, covering customer segmentation, distribution channels and cross-selling of non-bank products

  • Development of a strategic plan for a Slovak bank, recommending target markets and customers, new products and services, sources of capital and joint venture partners

  • Analysis of the euro's impact on the Irish retail banking market, focusing on potential competition from banks in other euro countries

  • Several studies for foreign banks of UK retail banking opportunities, identifying target customers, products, methods of delivery and possible acquisitions

  • Evaluated best practice for a leading Scandinavian bank in marketing retail investment products to a mass affluent client base

  • Surveyed leading bank analysts, consultants and heads of strategy to identify possible areas of sustainable organic growth in the light of declining alternative sources of earnings growth


Publications:


Share of wallet - European Bank Insight
(Salomon Smith Barney)


Main Contacts:

Steve Davis