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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.
The points goiven below elaborates the fundamental differences between wholesale and retail trade: 1  Wholesale means the sale of goods in voluminous quantity, at a low price. 2  Wholesale creates a link between the manufacturer and retailer whereas Retail creates a link between retailer and customer.