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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.

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

Check out our short video on CertRDB:

Registration fee £350 – includes study materials, assessments and exam entry
When to apply? Registration is open all year round
Number of units     Two
Average time to complete 134 hours
Study type This qualification is online. Everything is online and you can study at a pace that suits you. 
Study material
  • 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.

Assessment type Multiple-choice examination
Assessment provider Subject to availability, you can book your exam at test centres nationwide or through remote invigilation
  • 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.


You will be assessed for each module 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 will have 12 months from when you register, to complete each module and sit the exam. Your first exam is included in the registration fee for each module.

You'll need to achieve the minimum pass mark of 70% in each unit and will get your results on the same day. A breakdown of the assessment and marking structure is available on the qualification specification.

How to book your exam

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

Any questions? Please visit our Frequently Asked Questions page or or talk to us via web chat. 

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