Retail banking digital transformation leaders across the globe have been influenced by the pandemic. As an initial response, the Retail banking solutions adopted an accelerated mode in improving their digital presence across the customer value chain. As they now ready to balance the immediate effects of the pandemic in terms of lost income and loan provisions, saved in most part by the forbearance from the government and central banks, the longer-term objective is to have enough capital to ride though this storm and build future capabilities with retail banking services. In that regard, most banks are aligned to the sustainable practices and are actively taking steps towards addressing their customer’s desire of them being more than just a financier. As more initiatives emerge from the bastion of banks, there are certain fundamentals that all banks have to adhere to. They are broadly categorized as follows.