Retail Archives - Retail Trends

August 25, 2017

Buying Symantec Retail Software

There is a Symantec retail software program for you. If you are aiming to secure and purchase the best products from the lineup of the computer security firm Symantec Corporation, do not fret because you have more than one reason that you could choose and purchase software.

Symantec Corp. is an international business that is specializing in developing and selling computer software. Particularly, the company is focused at bringing to the market the best anti-virus and security programs for consumers’ computer system. Symantec is one of the pioneers when it comes to developing and offering security software. That is why you can be rest assured that the Symantec retail software you are eyeing to buy would be truly functional and effective. There is no doubt that Symantec retail software has what it takes to captivate and satisfy the market.

Symantec products

If you have been using the computer for quite some time, you should know that computer viruses have evolved to strategically alter and affect your personal computer. Every year, it is estimated that there are thousands of new computer viruses and threats that are written and spread across the market, especially through the Internet. But you should not worry. As long as there are numerous Symantec retail software in the market, you can be assured that your needs and requirements are all appropriately covered.

Currently, there are many products lined up under the Symantec retail software portfolio. Some of them have been quite popular for some time already while others are starting to create their niche and marks in the industry. You may be familiar with some, but you also must be exposed to the usefulness of other Symantec retail software.

Among the most popular and sought-after Symantec retail software are the Norton AntiVirus, the Norton Internet Security, the Norton SystemWorks, the Norton Commander, the Norton 360 and the Norton Personal Firewall. Other popular programs are the Norton AntiSpam, the Norton Antibot, the Norton Ghost and the Norton GoBack. Some of these Symantec retail software may already be familiar because you may have used them.

Why retail?

It is not surprising anymore that there are Symantec retail software computer programs these days that are also sold individually as retail products. That is because, as always, selling on the retail is quite lucrative and convenient. Symantec retail software is among the most sought-after computer programs in the market. Symantec notes that selling on the retail is the main bulk of its operations.

As compared to wholesale selling, Symantec retail software makes more money as sales are boosted. Most of Symantec users are individual personal computer users, so expect that purchase transactions are higher when it comes to Symantec retail software.

Where to buy

If you are aiming to purchase a Symantec retail software program, you can be assured the transaction could be done easily. If you are really into buying and installing any Symantec program into your computer, try to look for an online site that is accredited and authorized to do so. Such Websites are abounding in the market so you should not have any setback and problems in buying Symantec retail software.

Symantec itself is at time selling its Symantec retail software portfolio directly. It would not hurt if you would try looking at product lineups at the company’s own official Website. Transactions online usually require electronic payment processing, so prepare your globally functional credit card account.

As for conventional transactions, Symantec retail software is also available in the software distributors that actively operate in your community. There is really no excuse for you not to buy any Symantec retail software.

July 24, 2017

Food Retail Market Analysis, Development, Growth and Demand Forecast to 2020 by P&S Market Research

In reference to growing fashion of hypermarkets and supermarkets, the retailers have started using big data to understand the needs of consumers by providing answers to their questions. Hypermarket and supermarket retailers assist consumers in deciding the item to buy by telling them about the quality and benefits of the items with the help of trained personnel at the stores. At these foods retail markets, food products and items are available in large quantities and at cheaper prices.

Additionally, large food market retailers can afford to offer huge discounts to sell off their stocked items at reasonable prices and are therefore driving the growth of food retail market.

For more information visit: https://www.psmarketresearch.com/market-analysis/food-retail-market

Based on distribution channel, global food retail market can be divided into convenience food stores, hypermarkets and supermarkets, specialists and independent retailers, and others.

Global food retail market is tremendously contributing in the growth of several other industries such as food packaging and food processing industries. These industries are responsible for creating jobs and generating employment at a large scale. Large food retailers usually offer their own brands along with well established brands. Governments of different countries have taken various measures to ensure food safety and hygiene of food products; these are some reasons fueling the growth of food retail market.

Some of the major factors that are driving the growth of global food retail market include growing consumer preference for private label brands, growing supermarket shopping culture and increasing consumers spending on food products.

The demand for high quality food packaging and food retailing services, easy to use products, freshness and food safety assurance are some of the trends that can be seen in the global food retail market.

Rapidly increasing middle-class population in the emerging markets and expanding online grocery retail shopping are the factors laying opportunities for the growth of global food retail market.

Request for Table of Content: https://www.psmarketresearch.com/enquiry-form.php?enqid=139&title=TOC

Lack of proper upstream and downstream supply chain distribution system in emerging countries, high inflation, lack of widespread retail markets, quality control and unauthorized food retailers; are the factors creating hindrances to the growth of global food retail market.

Geographically, Asia Pacific dominated the global food retail market in 2014; it is then followed by Europe. Growth of food retail market in Asia Pacific region is attributed to growing consumer awareness, nuclear families, increasing per capita income and increasing western culture. China and India are the most populous countries of Asia Pacific region, small and local retailers are dominating the food retail market in these countries. Europe is the second largest food retail market. It has large number of branded retail stores and shops such as Tesco, Carrefour, Aldi and Auchan.

Some of the major competitors for the global food retail market include Costco Wholesale Corporation, Wal-Mart Stores Inc., AEON CO., LTD., The Kroger Company, Carrefour SA, Seven & i Holdings Co., Ltd., Groupe Auchan, Metro AG.

July 13, 2017

Emerging Opportunities in Retail Analytics Market with Current Trends Analysis

Over the recent years, big data analytics market has seen tremendous growth in various industries. It has helped businesses uncover several potential prospect by understanding customer’s preferences and market trends. Retail analytics market is a sub-set of big data analytics market. Retail analytics aids in information gathering and assessment of data across the entire value chain. Primarily focusing on the retail sector, retail analytics solution offer retailers in understanding and responding to changing customer experience. In addition, retail analytics improves businesses by provides new and faster ways to identify product and channel preferences, understand inventory demands in real time and serve consumers in a better way, thus ensuring the operation is more flexible and efficient. Customer’s information can be gathered in real-time through various mediums such as smartphones, weight sensors, motion sensors, cameras, and RFID, whether it may be online or in-store.

Retail Analytics Market: Segmentation
Retail analytics market is segmented on the basis of deployment model, solution type and region. By deployment model, retail analytics market can be segmented into on-premise and cloud-based. On the basis of solution type, the retail analytics can be segmented into software and services. Services can be further sub-segmented into consulting, integration and support and maintenance. Regionally, retail analytics market can be segmented into North America, Latin America, Western Europe, Eastern Europe, Middle East & Africa (MEA), Asia Pacific excluding Japan (APEJ) and Japan.

Request Free Report Sample@ http://www.futuremarketinsights.com/reports/sample/rep-gb-1272

Retail Analytics Market: Regional Outlook
Retail analytics market is expected to witness a healthy CAGR during the projected period due to increasing popularity of data analytics solution and penetration of smartphones and digital platforms among users across emerging markets. North America is the dominating region in retail analytics market and is expected to remain dominant followed by Western Europe during the forecast period. APEJ is expected to reflect highest CAGR during the forecast period.

Retail Analytics Market: Drivers
With big data analytics gaining popular among other sectors and continuous development of data analytics by major vendors are expected to drive the growth of retail analytics market. In addition, the simplicity, cost-effective, scalability and flexibility solution that retail analytics vendor offer is expected to boost the growth of the retail analytics market. In addition, the increasing penetration of e-commerce and social media and smartphones among users in emerging markets is anticipated to boost the growth of retail analytics market. However, the lack of awareness in certain regions is expected to hinder the growth of retail analytics market amidst the forecast period 2015-2025.

Visit For TOC@ http://www.futuremarketinsights.com/toc/rep-gb-1272

Retail Analytics Market: Key Players
The key vendors in the retail analytics market include IBM Corporation, Microsoft Corporation, Oracle Corporation, SAP SE, Adobe Systems Incorporated, SAS Institute Inc., HCL Technologies Ltd., Cisco Systems Inc., Micro Strategy, Inc. and Tableau Software, Inc. Major players in the retail analytics market follow the strategy of partnerships and acquisition of various local player to gain a competitive edgein the market. In addition, the major players offer customized solutions to cater to the demand of various users.

July 3, 2017

Retail Automation Market Size, Analysis, and Forecast Report: 2014-2020

Retail is a growing & continuously developing industry. Customer needs are highly volatile so major concern for retail is to provide value added services to the customers at the same time minimizing operational cost so as to gain cost advantage, this can be achieved by providing automated machine solutions. Retail Automated solutions provide comfortable, flexible and user friendly solutions to customers as well as retailers.

Regionally, North America is the market leader in retail automation and holds largest part of market share, it is because of increasing income & purchasing power of customers and strong economic condition of the region. Out of the total retail market food and non-food vertical of retail automation market shows largest growth in North America due to increasing rely on retail automated product, where as in coming years Europe region is expected to grow at very fast rate in retail automation market, it is because of increasing retail chains and their product lines in Europe. Retail automation benefited the overall retail market by improvement in service quality, productivity and output and reduction in cost. On the other hand it creates disadvantage for labours because of loss of job. Also Automation in any industry requires high capital investment which is another disadvantage.

Request Free Report Sample@ http://www.futuremarketinsights.com/reports/sample/rep-na-200

Economic crises in America and Europe affected the market, both customers as well as investors were uncertain about the future of the market. Increased unemployment level & reduction in the disposable income of people affected retail market very badly. But now situation is different, economic conditions are improved and there is financial stability in market which results into decrease in unemployment level and increase in disposable income of people. In case of Europe, demand differs from country to country. In countries like Italy, Portugal, Greece and Spain, where still economic conditions are unstable, have lesser demand for products on the other hand in the countries like Turkey, Poland, Russia demand is increasing because of improvement in financial condition and increasing numbers of hypermarkets, shopping centres and supermarkets. Worldwide growth of retail industry, growing necessities of customers, business process optimization, reduced cost to retailers and increasing demand of retail automated products are acting as driving factors for growth of retail automation market where as continuous supervision of Kiosks, high dependence on electricity & internet act as restraint for market. Also some customers finds inconvenience in operating self-service system.

Market segmentation for Retail Automation is done on the basis of geography, type and product. By geography North America is sub-segmented into United States, Canada & others and Europe is sub-segmented into Spain, UK, Germany, France & others. By operator type market is sub segmented into human Operated terminals and unattended terminals. By product market is further sub segmented as currency counter, cash register, bill printer, barcode reader, weight Scale, card reader, self-checkout system and kiosks/vending machine.

Report Analysis@ http://www.futuremarketinsights.com/reports/north-america-europe-retail-automation-market

Future of retail automation market is very attractive because of high growth of global retail market & favourable customer response and their growing demands. Various big retail companies like Metro, Tesco, Walmart and Kroger playing significant role in growth of this market. This market growth encouraging retail giants to invest heavily on automation products & services which results into cost advantage & output efficiency. Some of the top players in retail automation solutions are, Honeywell, Seiko Epson, First Data Corporation, Fujitsu, Motorola, Wincor Nixdorf, Siemens, NCR Corporation, Casio, Toshiba etc.

June 29, 2017

Current and Projected Data-Driven Retail Solution Market size in terms of volume and value 2015-2025 by FMI Estimate

Global Data-Driven Retail Solution Market: Overview
Data-driven retail solution helps retailers to identify and understand consumer by collecting customer’s information such as profile attributes, mode of transaction and behavior etc., from customer relationship management, point-of-sale, e-commerce, navigation logs and social media such as Facebook, Twitter and Pinterest etc. It automates the industry insights about loyal customer, purchases behaviors, audience behaviors, customer segments, and customer journey by analyzing the collected customer information. Data-driven retail solutions enable retailers to integrate their marketing strategies or program with the data-driven solution in order to personalize the purchase experience, engage with each customer specifically, and simplify the purchase process. Data-driven solution’s multi-funnel tracking feature provides easy and actionable sales analytics dashboards which enable retailers to improve the efficiency and coordination of multi-funnel strategy and multi-channel respectively.

Global Data-Driven Retail Solution Market: Segmentation
Global Data-Driven Retail Solution market is classified into solution, deployment model, service, and region.The global data-driven retail solution market can be segmented on the basis of solution which includes retail customer intelligence, media intelligence, customer relationship management, collaboration tools and other solutions. Deployment model includes on-premise and cloud-based. On the basis of service the market can be segmented into consulting, implementation service and integration. Region wise, global data-driven retail solution market is segmented into North America, Latin America, Western Europe, Eastern Europe, Japan, Asia Pacific Excluding Japan (APEJ), and Middle East and Africa (MEA). At present, North America is dominating the market followed by Western Europe. Among all the regions, APEJ is expected to create huge market opportunity for major players operating in the data-driven retail market during the forecast period.

Request Free Report Sample@ http://www.futuremarketinsights.com/reports/sample/rep-gb-763

Global Data-Driven Retail Solution Market: Drivers
The global data-driven retail solution market is majorly driven by the increased awareness among retailers regarding the benefits of implementation of cloud-based customer & market intelligence solutions and services for business operations. Cloud-based solutions and services enable retailer to manage and control the cost associated with the IT infrastructure. In addition, increasing popularity of software as a service (Saas), cloud computing and big-data analytics in order to improve business operations, sped up information retrieval, and facilitate work are projected to increase the demand for data-driven solution in retail sector across globe.

Global Data-Driven Retail Solution Market: Restraints
While studying the data-driven retail solution market we came across some of the restraints that are limiting the digitization of retail sector worldwide. Some of them are lack of awareness across the sector especially in emerging markets such as India, China, Brazil and Argentina, regarding adoption of digital retail solutions and services for enhancing business operations and high initial cost associated with the implementation of these solutions and services are hindering the growth of data-driven retail solution market.

Request For TOC@ http://www.futuremarketinsights.com/toc/rep-gb-763

Global Data-Driven Retail Solution Market: Competitive Landscape
Key players in the global data-driven retail solution market focus on strategic alliances with industry experts in order to improve their offerings and strengthen position in digital customer identity management field. For example, Silentale signed a partnership agreement with Gigya Inc. in order to enhance its social media capabilities by integrating the digital platforms of Silentale and Gigya.

Global Data-Driven Retail Solution Market: Key Players
Some of the major players identified in the global data-driven retail solution market are Tata Consultancy Services Limited, Oracle Corporation, Microsoft Corporation, Neustar Inc., Infogroup, and Silentale etc.

June 26, 2017

A Quick Look At Retail Industry

Retail industry serves changing needs of the consumers by offering wide range of products at convenient place for the customers. Retail outlet is a place from where buyer can purchase anything for direct consumption. According to market research reports U.S. is leading the global retail industry. Some largest retail chains in global market are Wal-Mart, Tesco, Carrefour, and Metro AG. Retail industry had created number of employment opportunities like supply chain management jobs, sales executives, operations management, store managers and merchandise planners.
In today’s competitive scenario retail industry is trying to upgrade their operation systems for sustainable growth in the market. Gone are those days when retailers use to grow by opening new stores, add new product line in the stores. Nowadays to sustain in the market retailers should satisfy the needs and wants of the customers and adapt new trends in the market. Through research reports it is determined that the value of Indian retail market will increase from $ 330 billion in 2007 to $ 640 billion by 2015. Though India has largest number of retail outlets in world only 4% of it performs organized retail. According to analysts there will be near about 25% of organized retail be performed by 2018. Retail industry market reports have highlighted that in coming years the growth rate of this sector will be 9% per annum.

The leading retail organizations in India are Reliance Retail, Future Group, Raheja Group, Ebony Retail Holdings and RPG Retail. There is lot of scope for retail business in all the sectors including urban and rural. Government is also encouraging FDI in this segment. Thus retailers are enthusiastic to step in this market. The most significant tie up that took place in Indian retail sector is between Wal-Mart and Bharti Enterprises. PVR Limited also tied up with Starbucks. Such merger and acquisitions in this sector created more than 2.5 million employment opportunities by 2010.
To be sales executive in this sector there no need of any degree one should have good communication skill and product knowledge. For graduates higher level jobs are available with higher responsibilities and pay. For senior executive positions MBA’s with specialization in retail are preferred and they are paid up to Rs. 60 lakhs. Rapid appraisal is possible in this sector if you have that ability and talent. One should be multi-skilled, have high intellectual, excellent communication skill and should be very dynamic to get appraisal as per their desire. Several educational institutes are offering special courses related to employment opportunities in retail sector like retail marketing, MBA with retail specialization. Retail sector emerged as a boon for Indian economy it generated several development opportunities in rural and urban area and created employment opportunities of several people.

June 15, 2017

Retail Software in India – The Absolute Need of All Retail Businesses

It is obvious to everyone that the retail industry is growing at breakneck speeds all over the world. In developing countries, the charge is being led by India, where retail stores are getting bigger and better each passing day. Retail software in India is becoming an absolute necessity to keep pace with the growing demands of the industry and to manage the rapid growth in this market effectively.
Organized retailing is becoming the need of the hour as major retail businesses are finding ways and means of coping up with the tremendous buying power of the new generation of professionals. As competition stiffens, medium and even small retailers are waking up to the fact that complacency in the matter can drown them for good. Retail software in India is becoming a priority for all retail businesses that are looking to ride on wave of this huge retail boom.
Conventional point-of sales systems have long become obsolete as they have their limitations. In fact many retailers have done away with such systems long back and are experimenting with retail solutions in India to have a better control over sales and inventory. Software solution providers are also waking up to the need of this segment to have better, user-friendly systems to help them get a grip on the situation.
Retail software in India can help retailers enjoy various benefits. One of the best advantages comes from having better inventory control. Retail ERP systems haves features that allow retailers of both medium and large sized stores to manage their inventory and customer service. The best retail software has functionality that allows retailers to keep many aspects of their retail business under control.
With the right type of software, taking decisions becomes easier especially when it comes to identifying the fast moving retail products and how much of stock should be maintained to retain good control over inventory positions. It is also crucial to deploy the right software so that retailers can improve the quality of business management and also maximize the efficiency of customer service.
One important driver of retail software in India is that every retailer, big or small wants to have information to enable him to make the decisions that help him have the right products available at the right prices and the right places. Research into various aspects of the retail industry reveals that proper adoption of the correct technology can attract new customers, enhance profitability and improve overall quality of business management.
In retail sectors where the scale of operation is high and involves multiple levels of control and sale points, automated processes can help in a major way. Not only does it eliminate the manual way of doing computing tasks completely, it also minimizes the chances of errors creeping into the records considerably. Efficiency levels increases to optimum levels as real time availability of information helps retail companies make better and informed decisions.
A major advantage is the ability of retail software to track down customer information at will. This can help retailers offer customized services to their loyal clients, the best way a retailer can acknowledge the importance of a customer.

June 11, 2017

Impact Of Retail Display And Store Design On Buying Decisions

A retail display is a merchandising display that attractively showcase shop inventory or featured products. An immense number of products in the retail market are competing for attention. And the offer of new brands seems to increase day by day. It’s good to know that at least 60% of purchases are decided right in the store, according to statistics provided by POPAI (Point of Purchase Association International). Take the right steps to make some profits and don’t leave conversions to chance.

Custom retail displays are clever investment to make when aiming at featuring your product and rising your margins. Creative retail display design is requisite in a successful retail store. These retail fixtures draw attention in a competitive retail store floor and can be designed to target your ideal customer base. Whether or not a customer decides to buy your item, it depends largely on the style your product is displayed.

Great store design is not only about matching colors and materials harmoniously and using elegant lighting solutions to reinforce a recognizable store branding. Deployment of the optimal display type with appropriate choices of size, shape, material and color can be the single most determining factor for driving purchase conversion.

Additionally, retail displays can be designed to optimize the amount of merchandise to be displayed on a given limited floor space. Retail space is rare and precious — make sure to get the most of each square foot.

An area of overall aesthetic store design will make people feel comfortable to stay and pay more attention compared to areas of very simple inventory presentation, where they just stop by to buy things they need from their list. This is because consumers unconsciously tend to search for environments that creates positive mood and invites them to stay.

Right choice of retail display and retail space design will help store owners to differentiate from other stores and persuade shoppers to come in, stay longer and come back. A store without smart retail display positioning and a highlighted store theme, will be automatically associated with a cheap items shop and won’t be able to drive high margin sales for brand products.

For the manufacturer the purpose of using a uniform retail display design for all stores is to strengthen the unified company message. It has an immense effect on brand recognition — even if your product range changes from time to time, the branded retail display still attracts shoppers to see what’s new on offer from your company. Custom retail display is actually the only practical way manufacturers have, to control about how their products will be perceived in many different distribution outlets.

Most of buying decisions are made at the point of sale. So the most important factors are location, store and display design which will decide whether or not your products get noticed and your efforts will secure ROI. If well designed and optimally placed in the retail space, custom retail displays show improved results on your bottom line profits. A tailored retail display for your brand is a safe investment to boost your profits in a competitive market.

June 4, 2017

Turning Retail Jobs Into Rewarding Retail Careers

If you have never thought of retail as an area in which you can build a career, then you have simply not given enough thought to the retail world! For every store with a handful of cashiers and stock boys working the floor, there are supervisors, buyers, managers, HR people, accountants, and more. The lists of people who support a retail store are huge, and not all of them are jobs that sit at the bottom of the food chain.

Looking for a retail career means looking for something in retail that interests you. If you have a particular hobby, like math, then you may find that an accounting or bookkeeping career at a retail store is ideal for you. In fact, if you are interested in a particular type of object, activity, or field, then you may already know the ideal store for you.

If you know where you would like to work but do not yet have the education to apply for a job in an executive type of position, then consider applying for a job as a retail store clerk at that store instead. Deal with customer service, work as a cashier, or otherwise spend your employment hours at the store of your choice for later in life. This has several benefits.

One benefit of working in a low position at a retail store that you enjoy is that you will be able to earn money to pay for the education that you are probably getting so that you can apply for your dream job. This is an excellent way to get your foot in the door and to start making a little bit of income at the same time, even if the position is not one that you particularly enjoy.

Another great benefit of working at your chosen retail location while you are in school is that it allows the supervisors to notice you early on, and gives you a history with the store. If you apply for an HR position within the company and they see that you have a perfect work record with them already, they may be more willing to take a chance on you and your new degree than on an equally qualified person with whom they have no direct experience.

As you make your way through the ranks you’ll find a number of doors opening. According to your formal education, training, skill, and personal interests, you should be able to find a number of career options including the following:

* Human Resources Managers: Work to solve employee problems, supervise payroll, hire new employees, and plan corporate events

* Buyers: Find the best product options for your store and control inventory

* Merchandisers: Create in-store campaigns, work with buyers to find the best products, and influence the layout of the store to maximize sales

* Loss Prevention Officers: Supervise security, deal with shoplifting problems, come up with creative ways to cut costs, and find problems in paperwork

* Corporate Managers: Make big decisions about the company, come up with new campaign strategies, meet with investors, research customer preferences, price products, oversee all daily operations, and dictate company policy

You may also want to create a career out of the retail industry by opening a store of your own. Being a small business owner can be daunting, but if you have experience in the retail industry, you’ve got a start on preparing to run your own store. Owning a business can be quite rewarding!

Retail is full of career opportunities; however, the popularity of low paying jobs in the retail sector has led people to believe that the only job that you can get in retail is cashiering. This is simply not true, and hard work and drive can actually lead you to a successful and pleasing retail career in your life. Just like any other job, it takes planning, education, and dedication to make a career in retail your reality.

June 1, 2017

The Importance Of Retail Bank KPI

Retail banking has also faced challenges in the matter of measuring abstract and quantifiable indicators. Performance metrics in retail banking can be done using KPI. The retail bank KPI can be utilized to measure the progress of a certain organization belonging to the retail banking industry. This measure is intended to help retail banks improve their progress towards the achievement of their organizational goals.

What are the key performance indicators of a retail bank?

The KPI in retail banking may include the factors that have links to the performance of a retail bank. There may be several KPI to measure the retail bank’s performance. However, it is important to keep the number of KPI to a minimum and to choose KPI’s that have direct attributes to its performance.

The total cash deposits held in a month and the average annual deposits held can be used as KPI’s, to measure the performance of a retail bank in the matter of attracting deposits from customers.

Other factors that may be considered as KPI’s in retail bank:

1) Average number of depositors per retail bank branch

2) Average withdrawals made by each depositor

3) Ratio of active depositor to dormant depositor

4) Average number of default borrowers in a year

5) Average number of credit cards issued by the retail bank

6) Rate of borrowing risk

7) Rate of default risk

8) Average number of customers served in a day

9) Average number of closed bank accounts

Income, cost, investment returns, interest margin, and company assets are other retail bank KPI’s. Retail banks may have their own system for recognizing KPI. The KPI’s are measurable and quantifiable and must be identified to assess the performance of retail banks.

Certain attributes are also considered to recognize a measurable factor for performance evaluation as KPI. Identifying KPI’s is crucial and must be taken into careful consideration before they can be used as objects for performance measurement. The acronym SMART can be used for identifying KPI’s. KPI’S must be specific, measurable, achievable, relevant and time-bound.

Aside from the aforementioned KPI’s that can be used for performance measure, one of the measurement framework used in financial institutions is the risk-adjusted return on capital.

The risk-adjusted return on capital or RAROC can be utilized to make analysis on risk-adjusted financial performance. It is the ratio of return to capital with adjustment on certain risks involved in the process. As it is known in the financial world, capital invested on high-risk form of investment is likely to yield higher returns than risk-free investments.

RAROC can be used as a retail bank KPI alongside with other indicators.

The retail bank has an exact environment to identify KPI. Normally, banks are organized financial institutions that abide the law in making transactions with depositors, clients, and customers. And normally, the KPI is used to detect problems so the entity can formulate solutions based on the given indicators used to measure its performance.

Top management of retail banks analyze KPI’s to accurately measure the performance. Retail bank KPI;s can be financial or non-financial metrics. There may be involvement of demographics of clients and depositors, rates of turnovers, backgrounds of bank personnel, and technology used.