Banks have traditionally relied greatly on net interest income – the difference between interest charged (on loans and other credit products) and interest paid (on deposits and other customer funds) – as their major source of profits. But with interest margins under pressure in an era of low interest rates, there is a need for banks to generate alternative sources of income.
At a basic level, they earn fee income from checking/current accounts and other products. But with the digitization of payments, banks are looking beyond transaction fees to generate value from customer payments data, as well as seeking to widen their product range and devise attractive, bundled product offerings.
This course describes the various noncredit products that consumer banking businesses offer their customers.
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