Retail Banking Sector Scorecard – Thematic Intelligence

Powered by

All the vital news, analysis, and commentary curated by our industry experts.

Retail Banking Sector Theme Analysis Overview

The retail banking sector scorecard includes a variety of traditional financial services providers, including global banks, national banks, regional banks, and building societies/mutuals. including global banks, national banks, regional banks, and building societies/mutuals.The retail banking sector scorecard thematic intelligence report identifies the 10 most disruptive themes that will drive market performance in the next 12 months.

Generative AI (Gen AI) is a subset of AI that exploded into the mainstream following the launch of OpenAI’s Chat GPT. Chat GPT reached 1 million users in only five days. We expect Gen AI disruption in banking to be analogous to the mobile device, in that every product and process will have to be revisited and reimagined in light of the new capabilities that Gen AI can bring. While there are significant risks, the ability of a technology to operate with such a diversity of inputs (audio, text, video, code, etc.) towards such a variety of outputs means there are near-limitless applications across enterprises.

The overall leader within the scorecard is DBS, which scored highly in all areas, especially AI, cloud, and cybersecurity. These are the core underlying capabilities that enable the bank to deliver well in other areas such as open banking, digital banking, and personalization. In addition, DBS managed to avoid any compliance violations in the last 12 months, contributing to a leading score in the regulation theme.

Our thematic scoring methodology allows us to identify which companies will do well in the market in the future, as well as the companies that will falter due to their lack of investment in these key themes.

Report Pages 22
Top Themes ·        Artificial Intelligence

·        Cybersecurity

·        Innovation

·        IoT

·        Big Data

Enquire & Decide Discover the perfect solution for your business needs. Enquire now and let us help you make an informed decision before making a purchase.

Retail Banking Theme Map

Some of the biggest themes impacting the retail banking sector are artificial intelligence (AI), cloud, cybersecurity, regulation; open banking; digital banking; environmental, social, and governance (ESG); conversational platforms; personalization; and the Internet of Things (IoT). Our theme map for the retail banking industry highlights the big themes driving share prices and is the result of a series of interviews with senior industry executives and investors, reflecting an up-to-date view of the issues that keep them awake at night. Our theme maps cover not only disruptive tech themes but also macroeconomic and regulatory themes.

Retail Banking Sector Theme Map 2023

Retail Banking Sector Theme Map 2023

Buy the Full Report to Unlock the Biggest Themes Driving Growth in The Retail Banking Industry, Download a Free Report Sample

Artificial Intelligence: There is a huge amount of hype around the AI theme across all industries at present, especially in banking. While the technology has enormous disruptive potential, in the near term it likely benefits incumbent banks the most, which can use to it incrementally improve a wide range of processes and structures within existing customer relationships. Alphabet, CommBank, DBS, JPMorgan Chase, Santander, and Westpac are some of the leaders in AI theme in the retail banking sector.

Buy the Full Report to Know More About Other Top Themes Disrupting the Retail Banking Industry, Download a Free Report Sample

Retail Banking Sector Scorecard

At GlobalData, we use a scorecard approach to predict tomorrow’s leading companies within each sector. Our sector scorecards have three screens: a thematic screen, a valuation screen, and a risk screen. The retail banking sector scorecard has three screens:

  • The thematic screen ranks companies based on overall leadership in the 10 themes that matter most to their industry, generating a leading indicator of future performance.
  • The valuation screen ranks our universe of companies within a sector based on selected valuation metrics.
  • The risk screen ranks companies within a particular sector based on overall investment risk.

Retail Banking Sector Scorecard – Thematic Screen

Retail Banking Sector Scorecard – Thematic Screen

Buy the Full Report to Know More About the Retail Banking Sector Scorecard

Download a Free Report Sample


  • This report assesses the 10 key themes that are transforming the banking market right now and scores the world’s leading banking players against these themes.
  • Our thematic scoring methodology allows us to identify which companies will do well in the market in the future, as well as the companies that will falter due to their lack of investment in these key themes.

Key Highlights

  • DBS was in first place again in 2023. Doing a number of different things well over a period of many years has allowed the bank to harvest the benefits of multiyear tech spend. This has driven cost reductions and increased customer satisfaction, but also operational agility to push forward with other changes more quickly.
  • In a more difficult environment, we will see increased pragmatism around cloud migrations. Not all workloads can or need to be moved to the cloud, and certainly not as a first-order priority.

Reasons to Buy

  • Understand which banks are best positioned for success within critical themes and why.
  • Learn which banks are under-invested in key themes and thus most vulnerable to disruption.
  • Understand which themes your institution can address (and how) to drive the share price.

KEB Hana Bank
U.S. Bancorp
La Caixa
JPMorgan Chase
Bank of Montreal
Monzo USAA
Bank of America
Lloyds Bank
Societe Generale
Intesa Sanpaolo
Wells Fargo
Capital One
TD Bank
BNP Paribas
Danske Bank
Deutsche Bank
NatWest Group
Credit Agricole
TSB Bank

Table of Contents

  • 1. Executive Summary
  • 2. Introduction
  • 3. Themes
  • 4. Sector Scorecard: Retail banking Scorecard

    • 4.1. Who’s who
    • 4.2. Thematic screen
    • 4.3. Valuation screen
    • 4.4. Risk screen

  • 5. Our Thematic Research Methodology
  • 6. About GlobalData
  • 7. Contact Us

Frequently asked questions

Retail Banking Sector Scorecard – Thematic Intelligence thematic reports
Currency USD

Can be used by individual purchaser only


Can be shared globally by unlimited users within the purchasing corporation e.g. all employees of a single company

Undecided about purchasing this report?

Enquire Before Buying Request a Free Sample

Get in touch to find out about multi-purchase discounts
Tel +44 20 7947 2745

Every customer’s requirement is unique. With over 220,000 construction projects tracked, we can create a tailored dataset for you based on the types of projects you are looking for. Please get in touch with your specific requirements and we can send you a quote.

Sample Report

Retail Banking Sector Scorecard – Thematic Intelligence was curated by the best experts in the industry and we are confident about its unique quality. However, we want you to make the most beneficial decision for your business, so we offer free sample pages to help you:

  • Assess the relevance of the report
  • Evaluate the quality of the report
  • Justify the cost

Download your copy of the sample report and make an informed decision about whether the full report will provide you with the insights and information you need.

Below is a sample report to understand what you are buying

See what our customers are saying

“The GlobalData platform is our go-to tool for intelligence services. GlobalData provides an easy way to access comprehensive intelligence data around multiple sectors, which essentially makes it a one-for-all intelligence platform, for tendering and approaching customers.

GlobalData is very customer orientated, with a high degree of personalised services, which benefits everyday use. The highly detailed project intelligence and forecast reports can be utilised across multiple departments and workflow scopes, from operational to strategic level, and often support strategic decisions. GlobalData Analytics and visualisation solutions has contributed positively when preparing management presentations and strategic papers.”

Business Intelligence & Marketing Manager, SAL Heavy Lift

“COVID-19 has caused significant interference to our business and the COVID-19 intelligence from GlobalData has helped us reach better decisions around strategy. These two highlights have helped enormously to understand the projections into the future concerning our business units, we also utilise the project database to source new projects for Liebherr-Werk to use as an additional source to pitch for new business.”

Market Analyst & Management, Liebherr-Werk

Your daily news has saved me a lot of time and keeps me up-to-date with what is happening in the market, I like that you almost always have a link to the source origin. We also use your market data in our Strategic Business Process to support our business decisions. By having everything in one place on the Intelligence Center it has saved me a lot of time versus looking on different sources, the alert function also helps with this.

Head of Key Accounts, Saab AB

Having used several other market research companies, I find that GlobalData manages to provide that ‘difficult-to-get’ market data that others can’t, as well as very diverse and complete consumer surveys.

Marketing Intelligence Manager, Portugal Foods

Our experience with GlobalData has been very good, from the platform itself to the people. I find that the analysts and the account team have a high level of customer focus and responsiveness and therefore I can always rely on. The platform is more holistic than other providers. It is convenient and almost like a one stop shop. The pricing suite is highly competitive and value for our organisation.

I like reports that inform new segments such as the analysis on generation Z, millennials, the impact of COVID 19 to our banking customers and their new channel habits. Secondly the specialist insight on affluent sector significantly increases our understanding about this group of customers. The combination of those give us depth and breadth of the evolving market.

I’m in the business of answering and helping people make decisions so with the intelligence center I can do that, effectively and efficiently. I can share quickly key insights that answer and satisfy our country stakeholders by giving them many quality studies and primary research about competitive landscape beyond the outlook of our bank. It helps me be seen as an advisory partner and that makes a big difference. A big benefit of our subscription is that no one holds the whole data and because it allows so many people, so many different parts of our organisation have access, it enables all teams to have the same level of knowledge and decision support.

Head of Customer Insight and Research, Standard Chartered

“I know that I can always rely on Globaldata’s work when I’m searching for the right consumer and market insights. I use Globaldata insights to understand the changing market & consumer landscape and help create better taste & wellbeing solutions for our customers in food, beverage and healthcare industries.

Globaldata has the right data and the reports are of very high quality compared to your competitors. Globaldata not only has overall market sizes & consumer insights on food & beverages but also provides insights at the ingredient & flavour level. That is key for B2B companies like Givaudan. This way we understand our customers’ business and also gain insight to our unique industry”

Head of Consumer Sensory Insights, Givaudan

GlobalData provides a great range of information and reports on various sectors that is highly relevant, timely, easy to access and utilise.  The reports and data dashboards help engagement with clients; they provide valuable industry and market insights that can enrich client conversations and can help in the shaping of value propositions. Moreover, using GlobalData products has helped increase my knowledge of the finance sector, the players within it, and the general threats and opportunities.

I find the consumer surveys that are carried out to be extremely beneficial and not something I have seen anywhere else. They provided an insightful view of why and which consumers take (or don’t) particular financial products. This can help shape conversations with clients to ensure they make the right strategic decisions for their business.

One of the challenges I have found is that data in the payments space is often piecemeal. With GD all of the data I need is in one place, but it also comes with additional market reports that provide useful extra context and information. Having the ability to set-up alerts on relevant movements in the industry, be it competitors or customers, and have them emailed directly to me, ensures I get early sight of industry activity and don’t have to search for news.

Senior Account Manager, TSYS
Financial Services
France Life Insurance Market Size and Trends by Line of…
$3,999 | June 2024
Financial Services
Wealth Management Trends and Themes in 2024
$5,250 | May 2024
Financial Services
Peru Insurance Industry - Key Trends and Opportunities to 2028
$1,450 | May 2024
Go even deeper with GlobalData Intelligence Center

Every Company Report we produce is powered by the GlobalData Intelligence Center.

Subscribing to our intelligence platform means you can monitor developments at Retail Banking Sector Scorecard – Thematic Intelligence in real time.

  • Access a live Retail Banking Sector Scorecard – Thematic Intelligence dashboard for 12 months, with up-to-the-minute insights.
  • Fuel your decision making with real-time deal coverage and media activity.
  • Turn insights on financials, deals, products and pipelines into powerful agents of commercial advantage.