This research investigates whether economic events have an impact on expenditure and loan behavior among customers through time-series forecasting and regression analysis in the retail banking business. Based on economic data, including inflation rates and unemployment rates, as well as interest rate changes, the influence of such events on consumer behavior regarding finance, especially towards spending patterns and loan acquisition is analyzed. A time-series model is applied to forecast the future actions of customers using past economic situations, while regression analysis studies how economic indicators relate to the behaviors of loans. This study has established a macroeconomic variable that relates to customer's financial activities, thus leading to implications for retail bank strategies. The paper, therefore, concludes with recommendations from retail banks on adapting to changing economic situations to optimize customers' engagement and financial products.