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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 is usually classified by type of products as follows: 1  Food products â typically require cold storage facilities. 2  Hard goods or durable goods (hardline retailers) â automobiles, appliances, electronics, furniture, sporting goods, lumber, etc., and parts for them.t was first recorded as a noun with the meaning of a sale in small quantities in 1433 (from the Middle French retail, piece cut off, shred, scrap, paring). Like in French, the word retail in both Dutch and German also refers to the sale of small quantities of items.