Kuyini ukubhenka okuncane?
Ibhange lokuthengisa, elaziwa nangokuthi i-consumer banking noma i-personal banking, ukuhlinzekwa kwezinsizakalo yibhange emphakathini jikelele, kunokuba kube yizinkampani, izinkampani noma amanye amabhange, okuvame ukuchazwa njengebhange lokuthengisa. Izinsizakalo zebhange ezibhekwa njengezokuthengisa zihlanganisa ukuhlinzekwa kokulondolozwa kanye nama-akhawunti okuthengiselana, izindlu, imali-mboleko yomuntu siqu, amakhadi wedebithi, namakhadi esikweletu. Ibhange lokuthengisa libuye lihlukaniswe nebhange lokutshala izimali noma ibhange lezentengiselwano. Lingase futhi libhekisele engxenyeni noma emnyangweni webhange osebenzelana namakhasimende ngamanye.  E-U.S., igama elithi ibhange lezentengiselwano lisetshenziselwa ibhange elijwayelekile ukuze lihlukaniswe nebhange lokutshala izimali. Ngemva kokuwohloka okukhulu kwezomnotho, umthetho iGlass-Steagall Act wavimbela amabhange avamile ukuba enze imisebenzi yasebhange, namabhange okutshala izimali ukuba enze imisebenzi yemakethe yezimali. Lokho kuhlukaniswa kwaqedwa ngawo-1990. Ibhange lezentengiselwano lingabhekisela ebhange noma engxenyeni yebhange elijwayele ukubhekela ikakhulukazi imali kanye nemalimboleko evela ezinkampanini noma amabhizinisi amakhulu, ngokungafani namalungu omphakathi (amabhange okuthengisa).