ISSN2320-2882
Impact Factor9.17
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ESTD2013
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Paper Title
"A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka"
Authors
Dr. DINESH KUMAR C
Keywords
Keywords: Digital Banking, SME Performance, Adoption Factors
Abstract
Research Abstract
This study examines the impact of digital banking on the performance of SMEs in Karnataka, focusing on the extent of adoption, financial outcomes, and factors influencing effective usage. The findings reveal that digital banking adoption among SMEs has grown steadily, with nearly 61% of enterprises integrating services such as online payments, mobile banking, and digital credit access. SMEs using digital banking reported notable improvements in financial performance, including a 17-20% increase in revenue, a 15% reduction in operational costs, and faster loan approvals compared to non-users. The study further identifies trust, digital literacy, and technological readiness as key determinants of successful digital banking utilization, with strong positive correlations to usage levels and efficiency gains. Despite the benefits, gaps remain in awareness, infrastructure, and perceptions of security, suggesting the need for improved digital literacy initiatives and stronger system safeguards. Overall, the research concludes that digital banking significantly enhances SME growth, financial transparency, and operational efficiency, making it a vital tool for strengthening the competitiveness and sustainability of SMEs in Karnataka.
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IJCRT — journal style
""A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka"", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.14, Issue 4, page no.e745-e758, April 2026, Available :https://ijcrt.org/papers/IJCRT2604560.pdf
APA — 7th edition
C, D. K. (2026). "A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka". International Journal of Creative Research Thoughts, 14(4), e745-e758. https://doi.org/10.56975/ijcrt.v14i4.303710
MLA — 9th edition
C, DINESH KUMAR. ""A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka"." International Journal of Creative Research Thoughts, vol. 14, no. 4, 2026, pp. e745-e758, https://doi.org/10.56975/ijcrt.v14i4.303710.
Chicago — 17th, bibliography
C, DINESH KUMAR. ""A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka"." International Journal of Creative Research Thoughts 14, no. 4 (2026): e745-e758. https://doi.org/10.56975/ijcrt.v14i4.303710.
Harvard — author–date
C, D.K. (2026) '"A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka"', International Journal of Creative Research Thoughts, 14(4), pp. e745-e758. Available at: https://doi.org/10.56975/ijcrt.v14i4.303710
IEEE — numbered reference
D. K. C, ""A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka"," IJCRT, vol. 14, no. 4, pp. e745-e758, Apr. 2026, doi: 10.56975/ijcrt.v14i4.303710.
Vancouver — biomedical
C DK. "A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka". IJCRT. 2026 Apr;14(4):e745-e758. doi: 10.56975/ijcrt.v14i4.303710
AMA — 11th edition
C DK. "A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka". IJCRT. 2026;14(4):e745-e758. doi:10.56975/ijcrt.v14i4.303710
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2604560,
author = {DINESH KUMAR C},
title = {"A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka"},
journal = {International Journal of Creative Research Thoughts},
volume = {14},
number = {4},
pages = {e745-e758},
year = {2026},
month = {April},
issn = {2320-2882},
doi = {10.56975/ijcrt.v14i4.303710},
url = {https://doi.org/10.56975/ijcrt.v14i4.303710}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - C, DINESH KUMAR
TI - "A Study on the Impact of Digital Banking on the Performance of SMEs in Karnataka"
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 14
IS - 4
PY - 2026
SN - 2320-2882
DO - 10.56975/ijcrt.v14i4.303710
UR - https://doi.org/10.56975/ijcrt.v14i4.303710
SP - e745-e758
ER -
Issue
Volume 14 Issue 4,
April-2026
Pages : e745-e758
Article Information
- Pages
- e745-e758
- Published
- April 2026
- Registration ID
- IJCRT_303710
- Published Paper ID
- IJCRT2604560
- Research Area
- Commerce All
- Author Type
- Indian Author
- Location
- Tumkur, Karnataka, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 164
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2604560
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2604560.pdf
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International Journal of Creative Research Thoughts
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2320-2882
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The authors would like to thank the reviewers and the editorial board of International Journal of Creative Research Thoughts for their careful reading and constructive comments, and all colleagues who supported the preparation of this manuscript.
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