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Retail generally refers to individuals as customers and small business customers. Generally it takes place in local branches, online sites, and bank by phone. The same bank may serve commercial customers but typically these customers have an assigned officer and a special terminal in their Treasury Department to transact business. Investment banks focus on the capital markets.
Wholesale means selling in large quantities while retail means selling in small quantities.. Therefore, wholesalers sell in bulk and retailers sell in individual or smaller quantities.