Digital Transformation in Banking: Assessing The Impact of Technological Innovation on the Performance of Public Sector Banks in South India

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Statistical analysis reveals digital banking enhances operational efficiency and customer satisfaction in banks.

Digital banking adoption significantly improves operational efficiency, customer satisfaction, and bank profitability.
A correlation study shows a strong link between operational efficiency (0.72) and digital banking usage, while profitability links at (0.75).
Regression analysis confirms digital banking adoption as the strongest predictor of bank profitability with R² = 0.58.
The study highlights the need for banks to integrate digital banking services and modern technologies to remain competitive.

Hari et al. (2025) studied this question.

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