Mumbai, October 31: Indian retail banks are struggling in an era when rising consumer expectations have challenged such financial institutions to offer a consistent experience across all segments. This is apparent from the fact that as much as 14 per cent Indian banks’ payments revenue or $9 Billion is expected to be displaced by the growth of digital payments and rising competition from non-banks, as payments become more instant, invisible and free, states a report published by multinational professional services company Accenture.