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Examining the Impact of Digital Financial Services on theFinancial Performance of Public and Private SectorCommercial Banks in India

Description: Research analyzing impact of digital financial services on Indian bank performance. Study examined 17 banks over 5 years, analyzing various digital banking metrics.

Problem Statement: Need to understand relationship between digital service adoption and bank financial performance metrics

Outcome: Demonstrated significant correlation between digital banking metrics (RTGS, Mobile Banking) and bank performance indicators (ROA, ROE)

In this study, influence of digital financial services on financial performance of private sector and public sector commercial banks in India has been studied. Payments, credit, savings, remittances, and insurance are some of the financial services that can be accessed and delivered through digital platforms. The term "digital channels" refers to the internet, mobile devices, ATM, POS systems, digital payments, and so on. Banks' financial performance was measured using ROA and Return on Equity.

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