• Tejas Tapkir
• Sanket Chaudhary
• H. R. Kulkarni
• Rashmi Sinha

Artificial Intelligence (AI) has emerged as a transformative technology in the banking sector, particularly in enhancing digital banking services. This research paper examines the role of AI in improving customer experience, operational efficiency, and security in digital banking systems. The study focuses on AI applications such as chatbots, fraud detection systems, biometric authentication, personalization engines, and automated customer support used by Indian banks. A descriptive research design was adopted, and primary data was collected through structured questionnaires from 100 digital banking users. Secondary data was gathered from journals, Reserve Bank of India (RBI) reports, and banking publications. The findings reveal that AI significantly improves service speed, convenience, personalization, and transaction security, leading to higher customer satisfaction. However, concerns related to data privacy, cybersecurity, and limited awareness of advanced AI features remain. The study concludes that with proper regulation, customer education, and ethical implementation, AI can further revolutionize the digital banking experience in India.

Artificial Intelligence, Digital Banking, Customer Experience, Chatbots, Fraud Detection, Cybersecurity

"ROLE OF ARTIFICIAL INTELLIGENCE IN ENHANCING DIGITAL BANKING EXPERIENCE", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 1, page no.410-415, January-2026, Available :http://www.jetir.org/papers/JETIRHG06041.pdf

"ROLE OF ARTIFICIAL INTELLIGENCE IN ENHANCING DIGITAL BANKING EXPERIENCE", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 1, page no. pp410-415, January-2026, Available at : http://www.jetir.org/papers/JETIRHG06041.pdf