{"id":26386,"date":"2022-11-25T09:39:59","date_gmt":"2022-11-25T09:39:59","guid":{"rendered":"https:\/\/www.retarus.com\/blog\/retail-banking-defend-market-share-on-the-digital-battlefield\/"},"modified":"2026-08-10T13:19:46","modified_gmt":"2026-08-10T13:19:46","slug":"retail-banking-defend-market-share-on-the-digital-battlefield","status":"publish","type":"post","link":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/","title":{"rendered":"Retail banking: Defend market share on the digital battlefield"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The banking sector is facing profound changes. Disruptions to the retail banking value chain could be dangerous for the industry, accompanied by strict regulations from financial supervisory authorities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As the retail banking business evolves, new and fast-growing FinTech players are entering the battlefield. The threat of these emerging FinTech companies is the impact they will have on customer expectations towards banking services and the banking customer journey.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Banks have begun to operate like tech companies, with advanced data capabilities and an agile operating model, deploying a cutting-edge tech stack in their fight against new FinTech companies. This effort is all about gaining a competitive advantage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another threat is declined efficiency. In developed markets, like in the US and Western Europe, increasing costs are making certain areas of daily banking more and more unprofitable. This is an emergency for retail banking, forcing them to create better cost efficiency and to broaden their product portfolio towards new business areas that promise higher margins.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-threatened-profitability-increased-costs-and-the-need-for-digitization\">Threatened profitability, increased costs, and the need for digitization<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In Europe, North America, and parts of Asia, retail banks are looking to deploy new technology that boosts their digital-first business model and utilizes cloud-based platforms to streamline their business operations. All of this is in service of moving to a significantly lower cost curve. Retail banks widely regard this as crucial, as there is only little margin left in today\u00b4s highly competitive banking landscape.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the same time, simplifying and upgrading the banking customer journey is of critical importance, as they are demanding more digital offerings. By employing a digital platform that supports the daily banking business, accompanied with unique business communication capabilities, retail banks will be able to deliver exceptional customer experience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because of the ongoing consolidation of branch networks as a relevant lever to reduce costs, retail banks must optimize the customer experience through digitization, personalization, and automation, such as in the areas of customer acquisition, onboarding processes, loans management, customer care, and more.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cloudify messaging: Deliver cost-effective banking services at scale<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To run daily banking and financial services more efficiently, retail banks should consider the significant benefits of a cloud-based platform for business communication needs. Clear competitive advantages like optimized cost efficiency, flexible scalability, and high availability are delivered by Retarus\u2019 unique single cloud-platform for fax, email, and SMS messaging.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a7f2693aee28&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a7f2693aee28\" class=\"wp-block-image size-large wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.retarus.com\/blog\/wp-content\/uploads\/sites\/41\/2026\/07\/shutterstock_482556811-1920x1080px-1024x576-1.jpg\" alt=\"\" class=\"wp-image-2937\" srcset=\"https:\/\/www.retarus.com\/blog\/wp-content\/uploads\/sites\/41\/2026\/07\/shutterstock_482556811-1920x1080px-1024x576-1.jpg 1024w, https:\/\/www.retarus.com\/blog\/wp-content\/uploads\/sites\/41\/2026\/07\/shutterstock_482556811-1920x1080px-1024x576-1-300x169.jpg 300w, https:\/\/www.retarus.com\/blog\/wp-content\/uploads\/sites\/41\/2026\/07\/shutterstock_482556811-1920x1080px-1024x576-1-768x432.jpg 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Cloudify fax communications:<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Dependable fax communication plays an essential role. Be it transmitting banking customer documents via digital fax for basic products such as bank account or credit card applications. Fax is vital for securely exchanging documents related to personal financing, including loans, car leasing, and home mortgages. Fax transmissions can be found throughout daily banking operations. Numerous fax documents from customers related to wealth and investment management and insurance or pension products are processed digitally to enable automated internal banking workflows.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.retarus.com\/services\/fax\/\" target=\"_blank\" rel=\"noreferrer noopener\">Retarus Cloud Fax Services<\/a> ensure highly secure online faxing communications. The link to the Retarus Enterprise Cloud is secured via encrypted connections (TLS, VPN).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Documents transmitted via Retarus Cloud Fax are secure, legally binding, and fully compliant with industry and country regulations. This is especially important to the banking industry.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Highly scalable email delivery:<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Increase product penetration across the customer base through personalized marketing campaigns via <a href=\"https:\/\/www.retarus.com\/services\/email-infrastructure\/transactional-email\/\" target=\"_blank\" rel=\"noreferrer noopener\">Retarus Transactional Email<\/a> and benefit from exceptional inbox placement and deliverability. Whether it&#8217;s a newsletter, banking order confirmation, password change, or account status message &#8211; fast and reliable delivery of transactional emails plays a crucial role in the banking customer journey.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Global SMS coverage:<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Simplifying end-to-end banking models and driving customer engagement within the customer journey is made exceptionally easy with <a href=\"https:\/\/www.retarus.com\/services\/sms\/\" target=\"_blank\" rel=\"noreferrer noopener\">Retarus Enterprise SMS Services.<\/a> Thanks to Retarus SMS API, retail banks can take advantage of Retarus\u2019 global carrier reach and reliably sending out time-critical account notifications, customer service messages, and mobile TAN directly to customers. Banks can stay connected, keeping their customers in the loop about every change to their account, no matter their global destination.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Unleashing the full potential of technology transformation and workflow automation, the <a href=\"https:\/\/www.retarus.com\/messaging-platform\/\" target=\"_blank\" rel=\"noreferrer noopener\">Retarus Messaging Platform<\/a> streamlines daily banking operations at scale, drives exceptional customer experience, and significantly boosts agility and financial performance.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In Europe, North America, and parts of Asia, retail banks are looking to deploy new technology that boosts their digital-first business model and utilizes cloud-based platforms to streamline their business operations. All of this is in service of moving to a significantly lower cost curve. Retail banks widely regard this as crucial, as there is only little margin left in today\u00b4s highly competitive banking landscape.<\/p>\n","protected":false},"author":45,"featured_media":2939,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ret_read_more_text":"","ret_thumb_border":false,"footnotes":""},"categories":[3041],"tags":[86,180,27,576,30,549,388],"ret_content_type":[3075],"class_list":["post-26386","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-communication","tag-banking","tag-cloud","tag-cloud-fax","tag-cost-efficiency","tag-enterprise-sms","tag-financial-services","tag-transactional-email","ret_content_type-industry-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.2 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Retail banking: Defend market share on the digital battlefield - Retarus Corporate Blog<\/title>\n<meta name=\"description\" content=\"In Europe, North America, and parts of Asia, retail banks are looking to deploy new technology that boosts their digital-first business model and utilizes cloud-based platforms to streamline their business operations. All of this is in service of moving to a significantly lower cost curve. Retail banks widely regard this as crucial, as there is only little margin left in today\u00b4s highly competitive banking landscape.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retail banking: Defend market share on the digital battlefield\" \/>\n<meta property=\"og:description\" content=\"In Europe, North America, and parts of Asia, retail banks are looking to deploy new technology that boosts their digital-first business model and utilizes cloud-based platforms to streamline their business operations. All of this is in service of moving to a significantly lower cost curve. Retail banks widely regard this as crucial, as there is only little margin left in today\u00b4s highly competitive banking landscape.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/\" \/>\n<meta property=\"og:site_name\" content=\"Retarus Corporate Blog\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-25T09:39:59+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-10T13:19:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.retarus.com\/blog-transfer\/wp-content\/uploads\/sites\/41\/2026\/07\/shutterstock_1388903636-1920x1080px.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Kai Pang\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kai Pang\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/\"},\"author\":{\"name\":\"Kai Pang\",\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/#\\\/schema\\\/person\\\/c084fe60c148e49d0a14a84e5a0018b4\"},\"headline\":\"Retail banking: Defend market share on the digital battlefield\",\"datePublished\":\"2022-11-25T09:39:59+00:00\",\"dateModified\":\"2026-08-10T13:19:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/\"},\"wordCount\":692,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/wp-content\\\/uploads\\\/sites\\\/41\\\/2026\\\/07\\\/shutterstock_1388903636-1920x1080px.jpg\",\"keywords\":[\"Banking\",\"Cloud\",\"Cloud Fax\",\"Cost efficiency\",\"Enterprise SMS\",\"Financial Services\",\"Transactional Email\"],\"articleSection\":[\"Business Communication\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/\",\"url\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/\",\"name\":\"Retail banking: Defend market share on the digital battlefield - Retarus Corporate Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/wp-content\\\/uploads\\\/sites\\\/41\\\/2026\\\/07\\\/shutterstock_1388903636-1920x1080px.jpg\",\"datePublished\":\"2022-11-25T09:39:59+00:00\",\"dateModified\":\"2026-08-10T13:19:46+00:00\",\"description\":\"In Europe, North America, and parts of Asia, retail banks are looking to deploy new technology that boosts their digital-first business model and utilizes cloud-based platforms to streamline their business operations. All of this is in service of moving to a significantly lower cost curve. Retail banks widely regard this as crucial, as there is only little margin left in today\u00b4s highly competitive banking landscape.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/wp-content\\\/uploads\\\/sites\\\/41\\\/2026\\\/07\\\/shutterstock_1388903636-1920x1080px.jpg\",\"contentUrl\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/wp-content\\\/uploads\\\/sites\\\/41\\\/2026\\\/07\\\/shutterstock_1388903636-1920x1080px.jpg\",\"width\":1920,\"height\":1080},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/retail-banking-defend-market-share-on-the-digital-battlefield\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.retarus.com\\\/blog-transfer\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Retail banking: Defend market share on the digital battlefield\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/\",\"name\":\"Retarus Corporate Blog\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/#organization\",\"name\":\"Retarus Corporate Blog\",\"url\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/wp-content\\\/uploads\\\/sites\\\/41\\\/2026\\\/08\\\/retarus_logo_2025.png\",\"contentUrl\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/wp-content\\\/uploads\\\/sites\\\/41\\\/2026\\\/08\\\/retarus_logo_2025.png\",\"width\":696,\"height\":696,\"caption\":\"Retarus Corporate Blog\"},\"image\":{\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/#\\\/schema\\\/person\\\/c084fe60c148e49d0a14a84e5a0018b4\",\"name\":\"Kai Pang\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/52e3aec76a493a16462287a057c091ef35ce5ae288bb54d0155082c8f87bebba?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/52e3aec76a493a16462287a057c091ef35ce5ae288bb54d0155082c8f87bebba?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/52e3aec76a493a16462287a057c091ef35ce5ae288bb54d0155082c8f87bebba?s=96&d=mm&r=g\",\"caption\":\"Kai Pang\"},\"url\":\"https:\\\/\\\/www.retarus.com\\\/blog\\\/en\\\/author\\\/kaip\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Retail banking: Defend market share on the digital battlefield - Retarus Corporate Blog","description":"In Europe, North America, and parts of Asia, retail banks are looking to deploy new technology that boosts their digital-first business model and utilizes cloud-based platforms to streamline their business operations. All of this is in service of moving to a significantly lower cost curve. Retail banks widely regard this as crucial, as there is only little margin left in today\u00b4s highly competitive banking landscape.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/","og_locale":"en_US","og_type":"article","og_title":"Retail banking: Defend market share on the digital battlefield","og_description":"In Europe, North America, and parts of Asia, retail banks are looking to deploy new technology that boosts their digital-first business model and utilizes cloud-based platforms to streamline their business operations. All of this is in service of moving to a significantly lower cost curve. Retail banks widely regard this as crucial, as there is only little margin left in today\u00b4s highly competitive banking landscape.","og_url":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/","og_site_name":"Retarus Corporate Blog","article_published_time":"2022-11-25T09:39:59+00:00","article_modified_time":"2026-08-10T13:19:46+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/www.retarus.com\/blog-transfer\/wp-content\/uploads\/sites\/41\/2026\/07\/shutterstock_1388903636-1920x1080px.jpg","type":"image\/jpeg"}],"author":"Kai Pang","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Kai Pang","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/#article","isPartOf":{"@id":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/"},"author":{"name":"Kai Pang","@id":"https:\/\/www.retarus.com\/blog\/en\/#\/schema\/person\/c084fe60c148e49d0a14a84e5a0018b4"},"headline":"Retail banking: Defend market share on the digital battlefield","datePublished":"2022-11-25T09:39:59+00:00","dateModified":"2026-08-10T13:19:46+00:00","mainEntityOfPage":{"@id":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/"},"wordCount":692,"commentCount":0,"publisher":{"@id":"https:\/\/www.retarus.com\/blog\/en\/#organization"},"image":{"@id":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/#primaryimage"},"thumbnailUrl":"https:\/\/www.retarus.com\/blog\/wp-content\/uploads\/sites\/41\/2026\/07\/shutterstock_1388903636-1920x1080px.jpg","keywords":["Banking","Cloud","Cloud Fax","Cost efficiency","Enterprise SMS","Financial Services","Transactional Email"],"articleSection":["Business Communication"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/","url":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/","name":"Retail banking: Defend market share on the digital battlefield - Retarus Corporate Blog","isPartOf":{"@id":"https:\/\/www.retarus.com\/blog\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/#primaryimage"},"image":{"@id":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/#primaryimage"},"thumbnailUrl":"https:\/\/www.retarus.com\/blog\/wp-content\/uploads\/sites\/41\/2026\/07\/shutterstock_1388903636-1920x1080px.jpg","datePublished":"2022-11-25T09:39:59+00:00","dateModified":"2026-08-10T13:19:46+00:00","description":"In Europe, North America, and parts of Asia, retail banks are looking to deploy new technology that boosts their digital-first business model and utilizes cloud-based platforms to streamline their business operations. All of this is in service of moving to a significantly lower cost curve. Retail banks widely regard this as crucial, as there is only little margin left in today\u00b4s highly competitive banking landscape.","breadcrumb":{"@id":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/#primaryimage","url":"https:\/\/www.retarus.com\/blog\/wp-content\/uploads\/sites\/41\/2026\/07\/shutterstock_1388903636-1920x1080px.jpg","contentUrl":"https:\/\/www.retarus.com\/blog\/wp-content\/uploads\/sites\/41\/2026\/07\/shutterstock_1388903636-1920x1080px.jpg","width":1920,"height":1080},{"@type":"BreadcrumbList","@id":"https:\/\/www.retarus.com\/blog\/en\/retail-banking-defend-market-share-on-the-digital-battlefield\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.retarus.com\/blog-transfer\/en\/"},{"@type":"ListItem","position":2,"name":"Retail banking: Defend market share on the digital battlefield"}]},{"@type":"WebSite","@id":"https:\/\/www.retarus.com\/blog\/en\/#website","url":"https:\/\/www.retarus.com\/blog\/en\/","name":"Retarus Corporate Blog","description":"","publisher":{"@id":"https:\/\/www.retarus.com\/blog\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.retarus.com\/blog\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.retarus.com\/blog\/en\/#organization","name":"Retarus Corporate Blog","url":"https:\/\/www.retarus.com\/blog\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.retarus.com\/blog\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.retarus.com\/blog\/wp-content\/uploads\/sites\/41\/2026\/08\/retarus_logo_2025.png","contentUrl":"https:\/\/www.retarus.com\/blog\/wp-content\/uploads\/sites\/41\/2026\/08\/retarus_logo_2025.png","width":696,"height":696,"caption":"Retarus Corporate Blog"},"image":{"@id":"https:\/\/www.retarus.com\/blog\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.retarus.com\/blog\/en\/#\/schema\/person\/c084fe60c148e49d0a14a84e5a0018b4","name":"Kai Pang","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/52e3aec76a493a16462287a057c091ef35ce5ae288bb54d0155082c8f87bebba?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/52e3aec76a493a16462287a057c091ef35ce5ae288bb54d0155082c8f87bebba?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/52e3aec76a493a16462287a057c091ef35ce5ae288bb54d0155082c8f87bebba?s=96&d=mm&r=g","caption":"Kai Pang"},"url":"https:\/\/www.retarus.com\/blog\/en\/author\/kaip\/"}]}},"_links":{"self":[{"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/posts\/26386","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/users\/45"}],"replies":[{"embeddable":true,"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/comments?post=26386"}],"version-history":[{"count":2,"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/posts\/26386\/revisions"}],"predecessor-version":[{"id":34603,"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/posts\/26386\/revisions\/34603"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/media\/2939"}],"wp:attachment":[{"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/media?parent=26386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/categories?post=26386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/tags?post=26386"},{"taxonomy":"ret_content_type","embeddable":true,"href":"https:\/\/www.retarus.com\/blog\/en\/wp-json\/wp\/v2\/ret_content_type?post=26386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}