• Dr. Murali S
• Ms. Inchara P

Abstract The banking industry has been the backbone of every emerging & developed economy. It organises and carries out the economic changes. Any shift in this area brought about by the use of technology will have a significant effect on the expansion of an economy. These days, banks are looking for novel approaches to offer and set themselves apart from their wide range of services. Corporate and retail clients both are unwilling to stand in queue at banks or wait on the phone for the fundamental banking facilities. They need and expect to be able to conduct their banking operations anywhere and whenever they choose. Some of the more recent products and services driving the growth of banking include plastic money similar to Smart cards, Credit Cards & Debit Cards, internet banking with the support of online trading accounts, mobile applications, wallets, electronic payment services, branch networking, telephone banking, and online investments. The purpose of this study is to investigate the current developments in digital banking in India and to pinpoint the obstacles that banks encounter when implementing these developments. The analytical investigation uses primary & secondary data as its foundation. In the Indian banking industry, the idea of digital banking is still developing and is anticipated to bring a surplus of prospects alongside unparalleled risks to the essential essence of banking in India. In light of this, this paper also seeks to outline the benefits and complications of digital transformation for the Indian banking industry, along with some suggestions for resolving the problems. The article concludes that in the future, making transactions using digital banking would not only be predictable and it is extremely required later. This will create a valuable material to the bankers, academicians, researchers, insurance personnel, professionals, students, & financial advisors.

Keywords: Internet Banking, Digital Banking, Electronic Banking, Technology, Financial Innovation.

"Exploring the Dynamics of Digital Banking: A Study on Consumer Behaviours and Perceptions in Specific Areas of Bangalore", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 9, page no.e1-e10, September-2024, Available :http://www.jetir.org/papers/JETIR2409401.pdf

"Exploring the Dynamics of Digital Banking: A Study on Consumer Behaviours and Perceptions in Specific Areas of Bangalore", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 9, page no. ppe1-e10, September-2024, Available at : http://www.jetir.org/papers/JETIR2409401.pdf