Goldman executives have not ruled out buying a bank with substantial retail operations, the paper said, citing people familiar with the discussions.
The company could not be immediately reached for comment.
The possible online bank hasn't been named yet, and many details of its operating plans are undecided. It is likely to offer a range of savings products, such as certificates of deposit, people familiar with the matter told the newspaper.
In addition to an Internet bank, Goldman executives are weighing the possibility of seeking deposits through the firm's vast wealth-management operation and from large corporate clients, the Journal said.
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