An Analysis And Overview Of Digital Banking Services In Jammu And Kashmir

Abstract

Digital banking has transformed the banking industry by offering clients safe, practical, and technologically advanced financial services. Digital banking has become much more popular in Jammu and Kashmir as a result of government efforts, smartphone and internet-based service growth, and information technology improvements. By looking at the accessibility, uptake, advantages, and difficulties of digital banking, this research provides an analysis and overview of digital banking services in the area. The results show that while digital banking has increased financial inclusion, accessibility, and transaction efficiency, obstacles including low digital infrastructure, cybersecurity issues, and digital literacy still prevent it from being widely used. The study highlights the importance of increased awareness, technological improvements, and security measures to foster sustainable digital banking development in Jammu and Kashmir.