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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.
A guide to the differences and tips for your practice. Legislation that draws a distinction between wholesale and retail clients is aimed squarely at bolstering protection for retail clients in the financial advice process. At the same time, allowing clients to be classified as wholesale enables those with the skills, desire and experience to participate in wholesale markets, and invest in more complex products.