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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.
Retail vs Wholesale . The difference between retail and wholesale has to do with the quantity of the product each sell and to whom they sell. Wholesale is the vital link between manufacturers and the end consumers. It is the presence of wholesalers that lets manufacturers breathe a sigh of relief as they can sell their entire lot that they have manufactured in one go to a person and get back to business and production.