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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 Operations. A retail business is a store or any type of operation that sells products to consumers or other businesses. This includes salons that sell hair products, clothing stores, e-book retailers and wholesalers. The type of retail license a business needs depends upon where it is located and what it sells.