The things to be considered for risk assessment are following:

Customer profiling for the different grocery stores and an assessment of their propensity to use banking services.

The security aspects of these grocery stores to facilitate banking transactions and whether these stores can be protected from manual intrusions.

Distribution strategies of groceries to these stores needs to be evaluated to prevent shortfalls and formulate mitigation strategies and ensure customer remains loyal to these stores.

Policy of credit needs to be reviewed and a plan for collection of receivables and mitigation for any bad debt needs to be put into place.

The skill and training of manpower deployed in these stores needs to be evaluated to ensure that they can successfully accomplish grocery sales and dispense banking services as well.

I have studied your point about grocery stores and how risk assessment will happen in the different issues but, your explanation is good.

What is new in the retail industry with risk? What risks are critical priorities to manage? What best practices address common mistakes for retail risk managers?