AI-Enabled Sustainable Banking: An Empirical Examination of the State Bank of India’s Green Practices

In sum, the data analysis demonstrates that SBI has a solid digital foundation and a customer base moderately receptive to AI-enabled sustainability features, while also facing nontrivial implementation and governance challenges. The combined quantitative and qualitative evidence supports a phased, governance-centric AI adoption roadmap that prioritizes privacy, staff capacity-building, and demonstrable operational wins to accelerate SBI’s transition to AI-enabled sustainable banking. This research underscores that while SBI is on a positive trajectory in promoting green banking, there is considerable room for improvement, particularly in awareness-building for specialized products and expanding outreach in semi-urban regions. AI integration holds transformative potential for advancing the bank’s sustainability agenda, but its success will depend on a balanced approach that combines technological innovation with trust-building and inclusivity.

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