• Dr. Shobhit Rastogi
• Mr. Vishwajeet Singh

The banking sector is witnessing round breaking changes: foremost being the rise in customer- centricity. Tech-savvy customers, exposed to advanced technologies in their day-to-day lives, expect banks to deliver seamless experiences. To meet these expectations, banks have expanded their industry landscape to retail, IT and telecom to enable services like mobile banking, e-banking and real-time money transfers. While these advancements have enabled customers to avail most of the banking services at their fingertips anytime, anywhere, it has also come with a cost for the banking sector. This study also gives an insight into the positive and negative impact of an Artificial Intelligence using in Indian Banking Industries. This study is of descriptive nature so all the required and relevant data have been taken up from various journals, magazines for published papers and websites.

Keywords: Tech- savvy customers, Customer-Centricity, Mobile Banking, E-Banking and Real-Time Money Transfers.

"An Impact of Artificial Intelligence in Indian Banking Industries", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 5, page no.k926-k931, May-2025, Available :http://www.jetir.org/papers/JETIR2505B85.pdf

"An Impact of Artificial Intelligence in Indian Banking Industries", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 5, page no. ppk926-k931, May-2025, Available at : http://www.jetir.org/papers/JETIR2505B85.pdf