Reforms in Indian Banking System : Use of Technology in Banking

Author(s)	Dr Ghule Padmakar Tukaram
Country	India
Abstract	The Indian banking system has undergone significant transformation due to economic reforms and rapid technological advancements. The integration of Information Technology (IT) has revolutionized banking operations, enhancing efficiency, transparency, financial inclusion, and customer satisfaction. This paper examines the role of technology in banking reforms, key innovations such as digital payments, artificial intelligence, and block chain, and evaluates their impact along with challenges like cyber security risks and digital divide. The study concludes that technology-driven reforms are essential for sustainable growth and global competitiveness of the Indian banking sector.
Keywords	Banking Reforms, Digital Banking, Financial Technology (Fin Tech), Artificial Intelligence, E-Banking, UPI, Location Convenience, Time Convenience,etc.
Field	Sociology > Economics
Published In	Volume 17, Issue 4, April 2026
Published On	2026-04-08
Cite This	Reforms in Indian Banking System : Use of Technology in Banking - Dr Ghule Padmakar Tukaram - IJTAS Volume 17, Issue 4, April 2026.

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