Published Paper Details:

Digital banking has changed the way banking services are delivered and accessed by customers. It allows people to use banking facilities anytime and anywhere through digital platforms without visiting a physical branch. Traditional methods such as cheques and demand drafts are gradually being replaced by online transactions and digital payment systems. To support this change, commercial banks are investing in digital transformation initiatives. These initiatives help banks improve their efficiency, service quality, and overall performance. Studies show that digital transformation can increase revenue and improve operational effectiveness. Although banks may face higher costs during the initial stages of implementation, these costs generally decrease over time. The success of digital transformation also depends on factors such as bank size, age, customer awareness, and digital infrastructure. Research has found that the adoption of digital payments is influenced by more than just the features of the technology. Business environments and organizational factors also play an important role in customer acceptance. Understanding these factors helps banks develop better digital services. Digital transformation has become a key strategy for maintaining competitiveness in the banking sector. It enables banks to meet changing customer expectations and improve service delivery. Therefore, digital banking continues to play an important role in the growth and development of modern commercial banks.