The best replacement for commercial banking is investment banking.

Лучшие альтернативы к commercial banking можно упорядочить следующим образом:
★★★★★  investment banking
★★★★  retail banking
★★★  corporate banking
★★  business banking
★★  credit unions
★★  small business banking
★  merchant banking
★  personal banking
★  wholesale banking
★  islamic banking
  central banking
  consumer banking
  private banking
  universal banking

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Google Trends

Scale is based on the average worldwide traffic of commercial banking in all years. Click on graph for more.
commercial banking
investment banking
retail banking