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Certificate in Retail and Digital Banking (CertRDB)

Professional qualifications

Certificate in Retail and Digital Banking (CertRDB)

If you’re looking to kickstart your career in retail and digital banking – or working in another area of financial services – CertRDB will give you the skills for a career in today’s banking sector.


About the qualification

Banking is changing at a rapid pace. Digital disruption and evolving customer expectations are transforming the way retail banks operate.

Staff are expected to understand these digital transformations, how they impact customer services and the risks that come with digital banking.

To help you address these new challenges, we’ve created the Certificate in Retail and Digital Banking (CertRDB). It will expand your knowledge of regulatory requirements, products and services, as well as the many delivery channels available to customers.

You’ll understand how customer data is captured, analysed and used by banks to provide a more intelligent and effective service for customers.

The CertRDB course is interactive meaning you can access it on any device, from anywhere in the world – giving you the flexibility to study when and where it suits you.

You will build skills in:
  • communication
  • assessment and problem-solving
  • understanding digital transformation in financial services
  • analysing and using data and information.

Your new skills will equip you to work in a digital environment. You’ll have the confidence to work more independently and know how to use resources more effectively. And you’ll be better able to support your bank through these challenging times.

While studying with us, you’ll become a Member of The London Institute of Banking & Finance (MLIBF), receiving benefits including careers support and access to professional networking events. 

Your studies will cover 

  • New and evolving bank business models, retail products and services
  • Changes in customer expectations and behaviour
  • Digital innovation in retail banking and its impact on customer services
  • The impact of enabling technologies on bank processes eg credit assessments
  • Digital influences in financial services regulation and legislation

How much does it cost?              £375 – includes study materials and exam entry
Average time to complete? Six months – but you have up to 12 months from registration to complete 
Number of units  Two
How will I be assessed? Multiple-choice examination. View the assessment section for further details.

You can take your exam at a test centre or at home with remote invigilation 
What study materials do I get?

As part of your fee, you'll get:

  • omni-channel digital learning platform
  • online access to the core learning materials
  • learning material self-print option
  • access to KnowledgeBank (e-library)
  • unit syllabuses
  • study planner
  • end of topic ‘test your knowledge’ questions
  • specimen papers
  • a comprehensive range of interactive questions and activities. 
You will be learning on our new VLE Brightspace, click on the logo to find out more.

How will I study? Everything is online and you can study at a pace that suits you
  • Registered with Ofqual in the Regulated Qualifications Framework (RQF)
  • Meets the Financial Conduct Authority's (FCA) examination standards
  • Part of the Apprenticeship Standards for Level 3 Compliance/Risk Officer and Level 3 Senior Financial Services Customer Advise.

Get up-to-date information relating to Coronavirus.


CertRDB has two units and you need to successfully complete both of them to achieve your certificate.

Unit 1 – The Delivery of Retail and Digital Banking (DRDB)

  • Understand banking customers, what they want and expect from banks and how the evolution of digital technology continues to change customer expectations
  • Evaluate the need to provide high standards of customer service
  • Understand how banks capture and analyse and use data about their customers
  • Understand how regulation and legislation affects financial services organisations and their customers
  • Identify the operation and features of key retail financial products and services.

Unit 2 – Assessing Customer Needs and Providing Solutions (ACNS)

  • Assess the needs and aspirations of retail banking customers and identify appropriate financial solutions to meet these needs.

Are you eligible for an exemption?

If you have qualifications from us or another awarding organisation, we may be able to count them as credits.

Find out more


You will be assessed for each unit by a one-hour electronic multiple-choice exam.

  • Unit 1– 50 stand-alone multiple-choice questions
  • Unit 2 – six case studies with five multiple-choice questions linking to each case study.

You can choose when to take your exam and pick from test centres nationwide or through remote invigilation.  

You will have 12 months from your course start date to complete each module and sit the exam. Your first exam is included in the registration fee. 

Exam and assessment information

When you have successfully completed the qualification, we will post your certificate to you.


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