UNDERSTAND. OUTPERFORM. LEAD.

2025 State of US Retail and Investment Banking Study

What will shape the US economy in the next 12 months?

For millions of Americans, the questions are immediate and personal:

  • Will I ever be able to afford a home in this economy?

  • How can I save for my future with my current debt load?

  • Is my bank helping me navigate these challenges—or just adding to the noise?

  • How will AI impact my job security?

  • Should cryptocurrency play a bigger role in my investments?

The consumer mindset has shifted. There’s rising uncertainty about financial stability, a growing dependence on digital solutions, and increased expectations for transparency and trust. People aren’t just looking for financial services—they’re looking for a partner they can count on.

For banks, the stakes have never been higher:

  • How do we meet these new demands while staying ahead of the competition?

  • What are other banks doing right now to win trust, loyalty, and market share?

  • How can we align compliance, innovation, and consumer needs for sustainable growth?

The 2025 State of US Retail and Investment Banking Study equips banking leaders with the insights they need to tackle these challenges head-on. This report is not about guesswork—it’s about precision. By combining real-time data from over 1,000 mystery shops, proprietary benchmarks, and sentiment analysis, we deliver the actionable intelligence needed to outperform competitors and lead the future of banking.

How Consumer and Competitor Insights Are Gathered

Competitor IQ’s Unique Approach

At Competitor IQ, we believe that the best decisions are made with ground-level intelligence—the kind you can’t get from surveys alone. Our insights are built on real-world data, collected through methods designed to uncover what’s really happening across the banking landscape:

    • Over 1,000 mystery shops conducted nationwide, testing every key interaction from branch experiences to digital banking services.

    • A comprehensive evaluation of the entire consumer journey, from initial interactions to ongoing relationship-building.

    • Direct observations of not only consumer service but also the operational and emotional aspects of trust-building, loyalty, and positioning the bank as a trusted financial partner.

    • Insights that capture how effectively banks meet consumer needs, foster confidence, and deliver on their promise of guidance and transparency across every touchpoint.

    • Real-time feedback from thousands of consumers and investors capturing their priorities, trust levels, and expectations in the current economic environment.

    • These surveys provide a pulse on evolving sentiment, helping banks align their strategies with what matters most to consumers.

    • Proprietary benchmarks that compare performance across key metrics like retention, acquisition, and digital integration.

    • Insights that reveal what top-performing banks are doing to lead—and how to implement those strategies.

    • Identifying best practices and uncovering emerging industry trends to help your bank adapt and thrive in the rapidly evolving banking environment.

    • Real-time data capturing what consumers and investors feel and expect in the current economic climate, linked directly to actionable strategies.

    • Uncover shifting priorities, from trust and transparency to innovation and compliance.

    • Benchmarking against industry best practices and emerging trends to position your bank for compliance and success amid the regulatory changes brought on by the new administration.

How We’re Different From Others

While traditional research intelligence companies rely heavily on:

  • Executive Surveys: Insights gathered primarily from high-level executives, which often miss ground-level operational realities.

  • Market Trend Reports: Aggregated, static data that lacks the nuance of real-time consumer and competitor behaviors.

Competitor IQ delivers:

  • Ground-Level Insights: Data collected from real consumer interactions, competitor evaluations, and thousands of surveys—not secondhand anecdotes.

  • Actionable Intelligence: Insights tailored to execution, providing a direct roadmap to outpace competitors.

  • Competitive Context: Unlike broad market analyses, our focus is on what your competitors are doing right now—and how you can do it better.

    • Explore how economic pressures are reshaping consumer and investor priorities, from savings and investments to homeownership and trust in financial institutions.

    • Gain clarity on what consumers expect from their banks to navigate these uncertain times effectively.

    • A detailed evaluation of how banks foster trust and loyalty while maintaining transparency in product offerings, fees, and overall service.

    • Understand the critical drivers of consumer confidence and retention.

    • Meeting Retirement Needs: How effectively are banks supporting consumer long-term financial goals through investment and savings tools?

    • Enabling Homeownership: Insights into how well banks are meeting the needs of first-time buyers and homeowners navigating changing interest rates.

    • Daily Banking Needs: Evaluate how well your bank meets core transactional needs, from digital convenience to in-branch efficiency.

    • Compare performance across key areas, including consumer experience, compliance, and digital transformation.

    • Uncover strategies your competitors are leveraging to gain a competitive edge—and how you can outperform them.

    • Go beyond the “what” with the “how”—step-by-step guidance to improve retention, attract new consumers, and align with evolving regulatory and market conditions.

    • Tailored insights to implement competitive strategies with measurable impact.

What’s Inside the Study?

Why This Study Matters

Your competitors are already taking action. If you don’t know what they’re doing—or how they’re doing it—you risk falling behind. The 2025 State of US Retail and Investment Banking Study gives you the edge:

Lead with Confidence

Insights that connect consumer needs, regulatory demands, and competitive intelligence.

Understand the Market

A clear picture of how consumer and investor priorities are evolving and what that means for your strategy.

Act with Precision

Data-backed strategies for immediate implementation and measurable results.

Act Now: Early Bird Pricing

Secure your copy today at $14,999 (valid for the first 30 days).

After this period, the report will be available at its regular price of $20,000.

Early Reserve Copy Includes:

  • Setup Fee Wavier on a tailored mystery shopping program designed specifically for their institution. ($5,000 Value)

  • Complimentary 30-minute strategy session with a senior Competitor IQ advisor to discuss how to implement the report’s findings for their institution.