Utilize the input text as a context reference, choose the right relationship between avenue and retail from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

Expansion of our retail lending footprint is a key avenue to increased penetration of our installed base.

Answer: industry