Skip to main content

The Future of Retail Banking in Europe: A View from the Top

The Future of Retail Banking in Europe: A View from the Top

Oonagh McDonald, Kevin Keasey

ISBN: 978-0-470-85574-4

Mar 2003

208 pages



Within Europe, the banking sector is commencing a period of considerable change and consolidation. Advances in technology, competition from the non-banking sector, the introduction of the Euro, a European Central bank and, possibly, pan-European Regulation, combined with the challenge from US banks, increased mergers and changing practices means 21st century banking is changing immeasurably. The Future of Retail Banking in Europe is written in an accessible style by Oonagh McDonald and Kevin Keasey, two of the leading authorities in the field and includes:
  • In-depth analysis of the banking structures in all the major European markets.
  • Foreword by Guy Warren, Head of Banking, Europe, Unisys Corporation
  • Unique insights into the industry from the CEOs of major European banks.

    The challenges being faced in the industry and predictions into what the future holds for retail banking in Europe.

    This book will be essential reading for middle and senior managers in the banking and financial service sectors, both suppliers and investors in the banking sector, and MBA students.

Foreword by Guy Warren.



Setting the Scene.

The Challenges.

Transparency and Accountability.

France: Seven Slices of the Cake.

Germany: A Level Playing Field.

Italy: Fast-Track Banking.

Spain: Off to a Flying Start.

Scandinavia: A Silver Lining.

Netherlands: An Early Consolidator.

UK: Another Early Consolidator.

Looking to the Future.

Who Will Jump First? 



"…this is a serious, well-researched reference work and one that anyone responsible for business strategy in a bank, building society, or a centralized lending operation should read…" (Mortgage Finance Gazette , October 2002)

"…The authors, however have done a highly diligent and professional job in surveying the current banking scene in Europe…" (European Business Forum, Winter 2002/2003)

"…essential reading for middle managers in the banking and financial services sectors, suppliers, investors and MBA students…" (Financial World, April 2003)

"…so much information in so convenient and readable survey…" (Journal of Financial Regulation and Compliance, May 2003)