Journal of Digital Engineering and Business Management

Scholarly, Peer-Reviewed, and Fully Refereed Open Access Multidisciplinary Quarterly Research Journal.

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Digital Transformation In Public Sector Banks At Bank Of Baroda

Authors: Dr N Sangeetha,Nandyala Harshtha

Abstract

The digital transformation process of public sector enterprises is the primary focus of this Research, which examines the Bank of Baroda. It quantifies the extent to which digital technologies including automated processes, mobile banking, and online platforms have enhanced operational efficiency and consumer satisfaction. The advantages of digitization, including expedited transactions, reduced Research time, and a decrease in human errors, are underscored in the Research. The research examines the effects of digital initiatives on consumer satisfaction, service accessibility, and financial inclusion. It also investigates the manner in which Bank of Baroda employs artificial intelligence (AI) and data analytics to reduce risk and deliver personalized services. The investigation concentrates on the strategic strategies and staff training that facilitate successful digital integration. Numerous variables contribute to the bank’s digital advancement and competitive advantage. Success in digital transformation necessitates a customer-centric approach, ongoing innovation, and a robust technological foundation, as per the report. It emphasizes the significance of digital initiatives in the modernization of public-sector financial operations.

Keywords

Digital Banking, Banking Automation, Financial Technology (FinTech), Core Banking Systems (CBS), Digital Infrastructure, Smart Banking Solutions

Article Information

Volume: 2
Issue: 1
Published Date: 05/02/2026
DOI: https://doi.org/10.5281/zenodo.19413373
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