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@article{185940,
        author = {VISHWA A and SYED SALAUDDIN HUSSAINI},
        title = {Impact of Digital Banking on Bank Performance: A Comparative Study of Pre- and Post-Digital Transformation},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {5},
        pages = {3379-3382},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=185940},
        abstract = {The rapid growth of digital banking has redefined the financial services landscape, influencing how banks operate, serve customers, and sustain profitability. This study investigates the impact of digital banking adoption by comparing key performance indicators profitability, operational efficiency, customer satisfaction, and risk management before and after digital transformation, with specific reference to YES Bank. Drawing from both primary (survey) and secondary (financial data, research papers) sources, the study employs correlation, regression, and Z-tests to evaluate the changes. Findings suggest that digitalization has improved operational efficiency and customer satisfaction, though challenges such as cybersecurity risks and technical issues persist. The study concludes that a balanced integration of technology and human touch is vital for the long-term success of digital banking.},
        keywords = {Digital Banking, Bank Performance, Operational Efficiency, Profitability, Customer Satisfaction},
        month = {October},
        }