Banks,grocers and the changing retailing of financial services in Britain |
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| Institution: | 1. Department of Retailing and Marketing, The Manchester Metropolitan University, Manchester M1 3GH, UK;2. School of Geography and Environmental Sciences, University of Birmingham, Edgbaston, Birmingham B15 2TT, UK;1. Weatherhead School of Management, Case Western Reserve University, Cleveland, OH 44106, United States;2. Spears School of Business, Oklahoma State University, Stillwater, OK 74078, United States;3. College of Business, 307 RBA, Florida State University, Tallahassee, FL 32306, United States;4. Spears School of Business, Oklahoma State University, Stillwater, OK 74078, United States;1. Division of Organ Replacement and Xenotransplantation Surgery, Kagoshima University, Kagoshima, Japan;2. Division of Digestive and General Surgery, Niigata University Graduate School of Medical and Dental Sciences, Niigata, Japan;1. Department of Environmental Hydrology and Microbiology, Zuckerberg Institute for Water Research, The Jacob Blaustein Institutes for Desert Research, Ben-Gurion University of the Negev, Sede Boqer Campus, 84990, Israel;2. French Associates Institute for Agriculture and Biotechnology of Drylands, The Jacob Blaustein Institutes for Desert Research, Ben-Gurion University of the Negev, Sede Boqer Campus, Midreshet Ben-Gurion, 84990, Israel;1. Department of Chemistry, The University of Jordan, Amman 11942, Jordan;2. Technische Universität Chemnitz, Faculty of Natural Sciences, Institute of Chemistry, Inorganic Chemistry, D-09107 Chemnitz, Germany;3. Department of Chemistry, Hashemite University, Zarqa 13115, Jordan;4. Department of Chemistry, Jordan University of Science and Technology, Irbid 22110, Jordan |
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| Abstract: | The entry of the three largest grocery retailers into retail financial services marks an escalation of competition in financial services retailing in Britain. This paper explores the increasingly porous boundaries between banking and retailing, focusing on changes in the economics of information gathering, shifts in the production, marketing and consumption of retail financial services, and a series of changes in the competitive and regulatory environment of grocery retailing. The paper argues that grocery retailers’ moves into financial services raise important issues concerning both the management of strategic alliances and their impact on social inclusion and exclusion. The paper elaborates on this argument by examining four potentially problematic issues arising from the alliances between banks and retailers: the shifting geographies of financial services provision, the development and maintenance of brand leadership, the production and use of management knowledge and consumers’ access to financial services. |
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