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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM66522
Volume:
10 |
8 |
Aug 2026
Pages:
1-4
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Master of Business Administration
Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad
Associate Professor Dept of MBA,
Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad
Financial Technology (FinTech) has transformed banking by improving service quality, operational efficiency, and customer convenience. This study examines the role of FinTech in banking transformation with reference to HDFC Bank. Using primary and secondary data, the research evaluates digital banking services, customer satisfaction, transaction security, and operational performance. The findings indicate that FinTech adoption has strengthened digital innovation, enhanced customer experience, and improved the competitiveness of HDFC Bank.
KEYWORDS
The analysis demonstrates that FinTech has substantially improved banking operations at HDFC Bank by increasing the adoption of digital banking services and enhancing customer experience. Most respondents regularly use mobile banking, internet banking, and digital payment platforms because of their convenience and accessibility. Customers expressed high levels of satisfaction with transaction speed, service quality, and digital payment systems. The findings also indicate that artificial intelligence, technology-enabled customer support, and automated banking processes have strengthened operational efficiency while improving customer engagement. Respondents further perceived FinTech-enabled transactions as secure and reliable, reflecting growing confidence in HDFC Bank's digital banking ecosystem. Overall, the study confirms that continuous technological innovation has strengthened the bank's competitiveness and supported its digital transformation journey.
1. Buckley, R. P., Barberis, J., & Arner, D. W. (2015). The evolution of FinTech: A new post-crisis paradigm. Georgetown Journal of International Law. 2. HDFC Bank. (2024). Annual Report 2023–24. Mumbai: HDFC Bank Ltd. 3. Patel, R., & Mehta, S. (2023). FinTech-driven innovation and banking transformation in India. International Journal of Financial Studies, 11(2), 45–60. 4. Reserve Bank of India. (2024). Report on Trend and Progress of Banking in India 2023–24. 5. Schueffel, P. (2016). Taming the beast: A scientific definition of FinTech. Journal of Innovation Management, 4(4), 32–54. 6. Verma, P., & Singh, A. (2021). Artificial intelligence and digital transformation in banking. Journal of Banking Technology, 15(3), 70–85. 7. Rao, K., & Prasad, V. (2022). Customer perception of digital banking services in India. Indian Journal of Finance, 16(5), 38–52.
Publication Date
8/4/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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Conflict of Interest
The authors declare no conflict of interest related to this research work.
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