Published Paper Details:

The rapid evolution of digital banking has fundamentally reshaped the financial services sector, offering unprecedented convenience for customers while simultaneously introducing significant challenges for bank employees. This study investigates the specific challenges faced by bank employees in Sivagangai District, a region characterized by a diverse banking environment and varying levels of technological infrastructure. The research focuses on three main areas: technological adaptation, cybersecurity threats, and customer service issues related to digital banking. Utilizing a combination of descriptive and quantitative research methods, including surveys and regression analysis, the study identifies key difficulties employees encounter in managing digital banking solutions. Findings reveal that employees in Sivagangai District face substantial hurdles in adapting to new technologies, addressing increasing cybersecurity threats, and effectively managing customer service demands. The study also highlights the impact of these challenges on employee performance and satisfaction. The results underscore the need for targeted training programs, enhanced cybersecurity measures, and improved support systems to help employees navigate the complexities of digital banking. Recommendations include investing in continuous professional development, strengthening cybersecurity protocols, and leveraging feedback to refine digital banking solutions. This research provides valuable insights for banks operating in similar contexts and contributes to the broader understanding of digital banking's impact on workforce dynamics. By addressing the unique challenges faced by employees in this region, the study aims to inform strategies that enhance employee efficiency, improve customer satisfaction, and ensure the successful implementation of digital banking services.