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@article{191494,
        author = {Krishna Dhondiba Mitkar},
        title = {IMPACT OF DIGITAL BANKING ON CUSTOMER SATISFACTION},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {7372-7374},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=191494},
        abstract = {Technological innovation has significantly reshaped the structure and functioning of the banking industry. The adoption of digital banking platforms has transformed traditional banking practices by enabling customers to access financial services through electronic channels such as mobile applications, internet banking portals, ATMs, and digital payment systems. This study investigates the effect of digital banking services on customer satisfaction by examining customer perceptions and experiences. The research is based on primary data collected through a structured questionnaire and secondary data obtained from scholarly publications and official banking reports. Key dimensions such as convenience, system reliability, ease of operation, security, and service efficiency are analysed to assess their influence on customer satisfaction. The results indicate that digital banking services positively influence customer satisfaction by enhancing accessibility and reducing transaction time. However, concerns related to data security, technical disruptions, and limited digital awareness among certain customer groups remain significant challenges. The study emphasizes the need for improved digital security measures and customer education to strengthen trust in digital banking systems.},
        keywords = {Digital Banking, Customer Satisfaction, Online Banking, Mobile Banking, Financial Technology},
        month = {January},
        }