A study on the perceived service quality of the local retail banking industry by Mok, Nella., Tan, Ghim Meng.

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Extension of banking hours. by Choo, Joo Kwang., Keong, Wen Han., Tit, Wei Lee.

“…We also conclude that the extension of banking hours may be a necessary move in view of today’s competitive retail banking market. Finally, we recognise that there are alternative approaches to doing our project.…”
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Digital financial inclusion in Africa : an analytical assessment of Kenya & Nigeria by Raji, Rafiq

“…The many barriers to universal financial inclusion, including access, cost and complexity, are high. A traditional retail bank spends hundreds of dollars to obtain each new customer, and does not view the unbanked poor as a viable demographic. …”
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Africa Digest : Trends and issues in business Vol. 22 by Burger, Johan

“…A number of small banks are disappearing, while mobile money presents a real and rising threat to conventional retail banks. Global financial services companies have identified Africa as a growing and lucrative market, and are now targeting Africa. 4. …”
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Africa Digest : Trends and issues in business Vol. 4 by Burger, Johan

“…Fintech’s success also disrupts the market for many retail banks in a number of African countries, raising the spectre of disintermediation. 4. …”
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