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© 2026 IJSREM – International Journal of Scientific Research in Engineering and Management. This is an open-access journal. Articles are published under the Creative Commons Attribution (CC BY 4.0) License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

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ArticlePeer ReviewedOpen AccessPlagiarism Passed
Paper ID:IJSREM64303

Revolutionizing Personalized Banking Through AI: An Empirical Study of Customer Satisfaction in SBI, Puducherry

Stream/Area:

-

Subject:

-

Paper ID:

IJSREM64303

Volume:

10 |

5 |

May 2026

Pages:

1-11

Publication Frequency:

Monthly (12 issues per year)

DOI
Digital Object Identifier
10.55041/IJSREM64303

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.

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Authors

Dr.S.VAIDHEESWARAN

Dr.S.VAIDHEESWARAN

Department of Management Studies

Manakula Vinayagar Institute of Technology

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Gokul Raj S

Gokul Raj S

Department of Management Studies

Manakula Vinayagar Institute of Technology

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Abstract

This study investigates how artificial intelligence (AI) affects personalized banking services, with a focus on the leading public sector bank (SBI) at Puducherry. It assesses the current state of personal banking and looks into the integration of AI solutions. The study's goal is to better understand customer opinions, preferences, and concerns about AI-enabled banking services, while also taking into account technical infrastructure, regulations, and ethics. Through surveys and data analysis, the study discovers that AI improves banking app efficiency by providing tailored services, providing practical insights for financial institutions to strategically deploy AI for better customer service. The analysis was carried out using statistical tools such as the percentage method, correlation, and one-way ANOVA. The findings reveal that customers are generally satisfied with AI-powered banking services, particularly in terms of banking app performance, fraud detection, chatbot assistance, and AI-driven investment advice. AI-enabled personalization has positively influenced customer satisfaction, while certain features such as personalized recommendations and financial forecasting require further enhancement. The study also identifies significant differences in customer satisfaction across age groups and periods of association with the bank. Furthermore, a strong positive relationship was found between the effectiveness of AI-powered banking services and customer satisfaction with personalized banking experiences. The results demonstrate that AI has significantly improved banking efficiency and customer engagement by delivering tailored services. The study provides valuable insights for financial institutions seeking to strategically implement AI technologies to enhance service quality, strengthen customer relationships, and achieve sustainable competitive advantage in the evolving banking sector.

KEYWORDS

Artificial Intelligence (AI) Banking Technology Service Personalization Customer Experience Financial Innovation AI-Driven Banking Services

Cite This Article

Dr.S.VAIDHEESWARAN, Gokul Raj S, "Revolutionizing Personalized Banking Through AI: An Empirical Study of Customer Satisfaction in SBI, Puducherry," International Journal of Scientific Research in Engineering and Management, vol. 10, no. 5, pp. 1-11, May 2026. https://doi.org/10.55041/IJSREM64303

Full Article/Conclusion

In conclusion, this study has illuminated the profound impact of Artificial Intelligence (AI) on the enhancement of personalized banking services, with a focused investigation into the State Bank of India (SBI) in Pondicherry. The findings underscore the transformative potential of AI technologies, including machine learning, natural language processing, and data analytics, in reshaping the landscape of customer experiences within the banking sector. Through a comprehensive exploration of AI adoption at the SBI Pondicherry branch, this research has identified the key benefits, challenges, and implications associated with leveraging AI for tailoring services to individual customer needs. The insights gained from customer perceptions and satisfaction levels offer valuable guidance for financial institutions seeking to navigate the evolving dynamics of the digital banking era. As AI continues to evolve, this study provides a timely contribution to the ongoing discourse on optimizing personalized banking services, emphasizing the need for a strategic and customer-centric approach in harnessing the full potential of AI for the benefit of both financial institutions and their clientele.

References

1.    M. Thisarani and S. Fernando, "Artificial Intelligence for Futuristic Banking," 2021 IEEE International Conference on Engineering, Technology and Innovation (ICE/ITMC), Cardiff, United Kingdom, 2021, pp. 1-13, doi: 10.1109/ICE/ITMC52061.2021.9570253. 2.    Das, Subrata & Agarwal, Rajiv & Das, Gourab & Dhinakaran, D. & Vijai, C. (2021). Mobile Banking in India: A Customer Experience Perspective. Journal of Contemporary Issues in Business and Government. 27. 2021. 10.47750/cibg.2021.27.03.197. 3.    P. Tayal, N. Rastogi, T. K. Ahuja, S. Tyagi, K. Joshi and Y. M. Mohialden, "Impact of AI On the Banking Industry 4.0," 2022 7th International Conference on Computing, Communication and Security (ICCCS), Seoul, Korea, Republic of, 2022, pp. 1-4, DOI: 10.1109/ICCCS55188.2022.10079399. 4.    Mehndiratta, G. Arora and R. Bathla, "The use of Artificial Intelligence in the Banking Industry," 2023 International Conference on Recent Advances in Electrical, Electronics & Digital Healthcare Technologies (REEDCON), New Delhi, India, 2023, pp. 588-591, DOI: 10.1109/REEDCON57544.2023.10150681. 5.    SALEEM, S., & Mathew, S. M. (2022). Application Of Artificial Intelligence In Banking: A Study Based On SBI-Sia Virtual Assistant. 6.    Fares, O. H., Butt, I., & Lee, S. H. M. (2022). Utilization of artificial intelligence in the banking sector: a systematic literature review. Journal of Financial Services Marketing. 7.    Umamaheswari, S., & Valarmathi, A. (2023). Role of Artificial Intelligence in The Banking Sector. Journal of Survey in Fisheries Sciences, 10(4S), 2841-2849. 8.    Paramesha, M., Rane, N., & Rane, J. (2024). Artificial intelligence, machine learning, deep learning, and blockchain in financial and banking services: A comprehensive review. Machine Learning, Deep Learning, and Blockchain in Financial and Banking Services: A Comprehensive Review (June 6, 2024). 9.    Polireddi, N. S. A. (2024). An effective role of artificial intelligence and machine learning in banking sector. Measurement: Sensors, 33, 101135. 10. Bastan, M., Hasani, N., Salimi, B., Ghazizadeh, A., & Hamid, M. (2024). A systematic framework for meet the challenges of artificial intelligence banking. In Proceedings of the International Conference on Industrial Engineering and Operations Management, Augsburg, Germany.

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Publication Date

5/30/2026

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