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@article{197744,
        author = {Saiyad Raja and Prof. Anurag Saxena},
        title = {A Cross-Country Analysis of Best Practices in Digital Banking and AI Adoption of top ten Economies},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {7542-7553},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=197744},
        abstract = {This study objective is to map global trends and best practices in AI-enabled digital banking by examining how adoption varies across major economies, using the IMF World Economic Outlook data (April 2025) and the top ten economies by their nominal GDP as a comparative framework to understand the role of scale and governance. A narrative review methodology is applied, synthesizing peer-reviewed, open-access literature from Scopus and Google Scholar, with analysis conducted through thematic synthesis and comparative clustering grounded in TAM, UTAUT, Diffusion of Innovation and Institutional Theory to explore AI applications, adoption drivers, regulatory practices and financial inclusion strategies. The findings indicate that high-GDP economies such as the United States and China emphasize advanced service automation, fraud detection and regulatory compliance, while mid-tier economies like India and Brazil focus on agility and expanding financial inclusion. Identified best practices include anthropomorphic personalization, explainable AI models, alternative data analytics and hybrid governance mechanisms, alongside key cross-cutting themes of data governance, algorithmic transparency, ethical AI deployment and adaptive regulatory design. The study concludes that AI adoption in digital banking is scale-dependent and institutionally driven, offering a transferable framework that integrates micro-level adoption theories with macro-level diffusion perspectives to guide policymakers and financial institutions in developing inclusive, resilient and sustainable AI-driven financial ecosystems.},
        keywords = {Digital Banking, Artificial Intelligence Adoption, Cross-Country Comparison, Financial Inclusion},
        month = {April},
        }