"The UK retail banking landscape has changed, with a number of towns and cities seeing a decline in the number of physical sole-operating branches."

"Diversification is happening and often under the radar"

"Retail repurposing – transforming redundant retail space to accommodate alternative uses – is slowly taking hold across Europe, but only at scale in markets where there’s an excess supply or multiple retail failure. "

"Many retail stores have had a tough decade: battered first by consumer shifts to ecommerce, then by lockdowns which pushed further spending online."