Utilize the input text as a context reference, choose the right relationship between Retail Bank and Retail banking 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.

Retail Bank plus points Savings, loans, mortgages are all IT-based products, already built by established banks Retail banking is changing to reflect market demand through revised investment plans, branch closures and revised marketing The umbrella of ‘UK Challenger Banks’ encompasses a variety of backgrounds and profiles, including new start-ups such as Metro, Atom and Starling; recently-established brands such as Virgin Money and TSB, and the banking arms of supermarket giants including Tesco, M&S and Sainsbury’s.

Answer: industry