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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM61989
Volume:
10 |
4 |
April 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.
Department of Master of Business Administration
Zeal Institute of Management and Computer Application ( ZIMCA ) Pune
Department of Master of Business Administration
Zeal Institute of Management and Computer Application ( ZIMCA ) Pune
The fast growth of financial technology has changed traditional banking into a digital system. Digital banking, internet banking, UPI, and Online platforms have revolutionised how customers interact with banks. This study looks into how digital banking influences customer happiness and also has accessibility to financial services in Pune. This research employs a quantitative approach, gathering data from approximately 100 persons.through structured questionnaires. It also uses information from reports, journals, and online sources. The study looks at customer awareness, usage habits, satisfaction & other issues experienced while using digital banking. The findings are probably going to demonstrate that digital banking improves convenience, lowers transaction costs, and increases financial inclusion. However, cybersecurity threats, technical failures, and a deficiency of digital proficiency continue to erode customer trust. The paper ends with suggestions for improving service quality, upgrading security measures, and raising awareness in order to assist the long-term growth of digital banking.
KEYWORDS
Because digital banking offers easily accessible, effective, and convenient services, it has completely changed the financial environment. The study demonstrates how digital banking improves. consumer happiness and increases access to financial services in the Pune region. To boost user confidence, however, issues like cybersecurity threats and technical problems must be resolved. Banks should concentrate on strengthening security protocols, boosting system dependability, and raising consumer digital awareness. Future research can provide a more in-depth understanding of digital banking uptake and broaden the scope by incorporating rural areas and greater sample sizes.
➢ Research Papers: 1. Tater & John (2025) – Impact of Digital Banking’s effects on consumers Experience and Satisfaction – This research assesses how digital banking features such as omnichannel and smart banking affect consumer satisfaction in India. 2. Kamboj & Singh (2018) – Client contentment with online banking in India – This report investigates how demographics influence client happiness with India’s banking services. 3. Pranavi et al. (2025) – Adoption of digital payments effects on client satisfaction – This study looks how the simplicity of use, security, and digital payment dependability affects client satisfaction. 4. Hemalatha & Devaraja (2023) – Research on client satisfaction with the quality of Digital Banking Service Quality – Using survey data and statistical analysis, the study examines the quality and happiness with digital banking services. Ø Websites 1. Reserve Bank of India (RBI): Digital Payments Reports –RBI provides official data, growth trends, and analysis on digital banking and digital payments in India. https://rbi.org.in 2. Current research in an international journal on customer satisfaction with digital banking services: Offers insights into growth, challenges, and benefits regarding online banking with secondary data. https://journalcra.com/article/customer-satisfaction- towards-digital-banking-services-indian-banks
Publication Date
4/30/2026
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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