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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.
US Economy. Retailing is how producers of goods and services get their products to you, the consumer. Retailers generally get their goods directly from the manufacturer. That turns commodities into a finished product. They also buy the manufacturer's products from a middleman, known as a wholesaler or distributor.