Banco Santander is a company that provides various retail and commercial banking products and services. It operates through the following segments: Retail Banking, Santander Corporate and Investment Banking, Wealth Management and Insurance, and PagoNxt. The Retail Banking segment covers various customer banking businesses, including consumer finance. The Santander Corporate and Investment Banking segment involves corporate banking, investment banking, and markets. The Wealth Management and Insurance segment includes the asset management business, the corporate unit of private banking and international private banking, and the insurance business. The PagoNxt segment offers digital payment solutions.