Chii chinonzi kubhengi kwevatengesi?
Retail banking, inozivikanwawo sevatengi vebhengi kana kubhengi kwevanhu, ndiko kupihwa kwemabasa nebhangi kune veruzhinji, kwete kumakambani, makambani kana mamwe mabhangi, ayo anowanzo tsanangurwa sebhangi rekutengesa. Basa rebhangi rinoonekwa somunhu anotengesa rinosanganisira kugoverwa kwemabhuku okuchengetedza nemabhizimisi, zvikwereti, zvikwereti zvevanhu, makadhi okubhengi, uye makadhi echikwereti. Mabhangi ezvokutengeserana anosiyaniswa nemabhengi ekudyara kana mabhengi ezvokutengeserana. Rinogonawo kunongedzera kuchikamu kana kuti dhipatimendi rebhangi rinobata nevatengi voga voga.  MuU.S., shoko rokuti bhangi rezvokutengeserana rinoshandiswa nokuda kwebhangi rakajairika kurisiyanisa nebhangi rokutsvaka mari. Pashure peDzvinyiriro Huru, Glass-Steagall Act yakaganhurira mabhangi enguva dzose kumabasa ebhengi, uye mabhangi okudyara kumabasa emusika wemari. Musiyano iwoyo wakabviswa muma1990. Bhengi rezvokutengeserana rinogonawo kureva bhangi kana chikamu chebhangi chinonyanya kubata nemari uye zvikwereti kubva kumakambani kana mabhizimisi makuru, kusiyana nemunhu mumwe nomumwe wevanhu (bhengi rekutengesa).