The two banks will consolidate their retail banking in Switzerland and form a merged entity, Warburg Dillon Read, to take on the Americans in investment banking.

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Unless cotton prices fall, many of the apparel retailers in the U.S. are expected to pass the increased cotton costs on to consumers in the form of higher retail prices.

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The second-most popular tool featured in the retail apps, a contact form, also underachieved, as only 45% of apps with such an option earned a majority of rating above the cut-off of three stars.

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Another of its recommendations is that banks must have a buffer to absorb the impact of potential losses or future financial crises - of at least 10% of domestic retail assets in top-quality form, such as shares or retained earnings.

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Another of the ICB's recommendations is that banks must have a buffer to absorb the impact of potential losses or future financial crises - of at least 10% of domestic retail assets in top-quality form, such as shares or retained earnings.

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When it comes to retail theft, problems can take the form of both inside and outside jobs.

FORBES: Magazine Article

In recent years the trend has been towards some form of universal banking, with the same bank providing both retail and investment services.

ECONOMIST: Retail banks

The minister said improvements in the form of "public realm work" resulted in improved footfall and boosted retail businesses.

BBC: Question Time

In traditional retail, the closest example of this kind of effort is at independent running stores where customers come together to form running clubs and train for races.

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