A Study of Fintech and Digital Banking: Reshaping Traditional Banking

Ms:B.Kareshmithra; Associate Professor Dr. T. M. Hemalatha.

A Study of Fintech and Digital Banking: Reshaping Traditional Banking

Author : Ms:B.Kareshmithra, Associate Professor Dr. T. M. Hemalatha. Journa Name: International Journal of Science, Engineering and Technology Volume: 14 issue: 2 Year: Volume-14-issue-2 Views : 180

Abstract:

This study examines the impact of Financial Technology (FinTech) and digital banking on traditional banking systems. With the rapid growth of services such as UPI, mobile wallets, internet banking, and online transactions, banking operations have become more technology- driven and customer-centric. The research aims to understand customer adoption patterns, benefits, and challenges associated with digital banking. A descriptive research design is adopted, and data will be collected through structured questionnaires from bank customers. Secondary data is gathered from journals, reports, and online sources. The study seeks to analyze how FinTech is transforming traditional banking operations and influencing customer behavior. The findings will provide insights for banks to enhance digital services while maintaining security and customer trust.