• Dr. Kishore Kumar Das
• Sworup Ranjan Palai

Digital banking is generally an extension of traditional banking, using the internet as an Electric delivery channel for banking products and services. The banking today is redefined and Re-engineered with the use of IT and it is sure that the future of banking will offer more sophisticated services to customers with the continuous products and process innovations. Many traditional banks offer some online services, but the very cheapest choices some will find are internet-only banks, which operate specifically online. Customers can get the same services online that are used to from traditional banks, such as checking and savings accounts, CDs, and other financial products and services. Those who are interested in paying lower fees for better customer service, they should investigate internet banking. Face of Global Banking is undergoing a transition. Banking is now a global issue. Reforms in the financial sector, covering banking, insurance, financial markets, trade, taxation etc. have been a major catalyst in strengthening the fundamentals of the Indian economy. The reform measures have brought about sweeping changes in this critical sector of the Indian's economy. Use of advanced technology has led to the shift from traditional banking methods to e- banking methods. Currently, the most common and useful technology based banking methods are online banking, Mobile banking, ATMs, Plastic money and so on.

Digital banking E-commerce, E-finance, E-money, E-Banking, Mobile banking, SMS Banking, ATMs, Debit card, Credit card

"DIGITAL BANKING INDIAN: PRESENT PROSPECTS AND FUTURE CHALLENGES", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.7, Issue 2, page no.93-99, February-2020, Available :http://www.jetir.org/papers/JETIR2002014.pdf

"DIGITAL BANKING INDIAN: PRESENT PROSPECTS AND FUTURE CHALLENGES", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.7, Issue 2, page no. pp93-99, February-2020, Available at : http://www.jetir.org/papers/JETIR2002014.pdf