Abstract
The article uses a case study approach to examine the development and strategic challenges facing one of the United Kingdom's largest commercial banks—Lloyds TSB. The article commences by discussing the main structural developments that have taken place in the dynamic financial services markets before going on to identify the distinctive features of what has been termed the “new retail banking revolution in Europe.” The emergence of Lloyds TSB is examined against the backdrop of these changes, and emphasis is placed on the adoption of appropriate strategies that are conducive to sustainable long-term competitive advantage. © 2005 Wiley Periodicals, Inc.
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