• Dr. K. Sunitha

E-Banking, also known as electronic banking or digital banking refers to the use of electronic platforms and internet-based services for conducting banking transactions. It encompasses online banking, mobile banking, ATM services, and digital payment solutions that facilitate seamless financial transactions without the need for physical branch visits. The primary objective of E-Banking is to enhance convenience, improve transaction speed, and offer secure, real-time banking solutions to customers. This paper explores the evolution of E-Banking services, highlighting the technological advancements that have transformed traditional banking. The study examines key trends such as artificial intelligence (AI)-driven banking, block chain-based secure transactions, biometric authentication, and the rise of neobanks. Additionally, it addresses the increasing shift toward cashless economies and the growing influence of fin-tech innovations in reshaping digital banking experiences. Despite its rapid expansion, E-Banking faces several challenges, including cyber security threats, regulatory compliance, digital fraud, and concerns over data privacy. The digital divide and lack of financial literacy also pose significant barriers to the widespread adoption of E-Banking, especially in developing economies. However, opportunities exist in the form of enhanced cyber security measures, AI-powered fraud detection, and regulatory frameworks that promote financial inclusion. The paper further discusses how banks can leverage technological advancements to provide personalized and secure banking experiences. E-Banking services continue to revolutionize financial transactions, offering immense benefits to both customers and financial institutions. By addressing challenges and harnessing new opportunities, E-Banking can drive financial growth and improve accessibility, security, and efficiency in the global banking ecosystem.

E-Banking, Digital Banking, Online Banking, Mobile Banking, Financial Inclusion, Digital Transactions

"The Evolution of E-Banking Services: Trends, Challenges, and Opportunities", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 3, page no.l375-l380, March-2024, Available :http://www.jetir.org/papers/JETIR2403B42.pdf

"The Evolution of E-Banking Services: Trends, Challenges, and Opportunities", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 3, page no. ppl375-l380, March-2024, Available at : http://www.jetir.org/papers/JETIR2403B42.pdf