{"id":4117,"date":"2026-07-22T10:55:52","date_gmt":"2026-07-22T05:25:52","guid":{"rendered":"https:\/\/journal.ipem.edu.in\/management\/?page_id=4117"},"modified":"2026-07-29T14:09:06","modified_gmt":"2026-07-29T08:39:06","slug":"digital-transformation-in-indian-commercial-banks-a-strategic-pathway-to-profitability-and-sustainable-development","status":"publish","type":"page","link":"https:\/\/journal.ipem.edu.in\/management\/digital-transformation-in-indian-commercial-banks-a-strategic-pathway-to-profitability-and-sustainable-development\/","title":{"rendered":"Digital Transformation in Indian Commercial Banks: A Strategic Pathway to Profitability and Sustainable Development"},"content":{"rendered":"\t\t
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Digital Transformation in Indian Commercial Banks: A Strategic Pathway to Profitability and Sustainable Development<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t Neeraj Verma, Dr. Arvind Kumar<\/em><\/a>,\r\n\r\n\r\n\r\n\r\n

Vol 20 , Issue 1 , July 2026<\/a> | <\/span>Pages: 36-44\r\n <\/p>\r\n \r\n \r\n\t

DOI: 10.61691\/IPEM_Mgmt.20.2026.36-44 <\/a><\/p>\r\n\r\n

Published Online: July, 2026<\/span><\/p>\r\n

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  • \n \n \n \n Author Affiliations<\/span> <\/li>\n
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    Author Details<\/b><\/p>

    1. Neeraj Verma
      Department of Commerce, I. P. (P.G.) College, Bulandshahr, Uttar Pradesh, India
      Email: scholornidhisingh@gmail.com<\/p><\/li>

    2. Dr. Arvind Kumar
      Department of Commerce, I. P. (P.G.) College, Bulandshahr, Uttar Pradesh, India<\/p><\/li><\/ol><\/div><\/div> <\/div>\n\t\t \n

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      The Indian banking sector has undergone several transformational shifts driven by digital advancements that have enhanced operational efficiency and profitability. By redefining conventional business frameworks, digital transformation is playing a crucial role in steering banks toward more sustainable, technology-driven financial ecosystems. This study explores how the growing adoption of digital technologies is influencing the financial performance and overall efficiency of Indian commercial banks. With the rise of automation, internet banking, advanced data analytics, and secure digital platforms, banks are rethinking their operational models and financial strategies. Focusing on key indicators such as Net Profit Margin (NPM), Return on Assets (ROA), and the Cost-to-Income (CI) ratio, this research evaluates how digital tools are helping banks improve profitability and better manage liquidity in a rapidly evolving financial landscape. A mixed-method approach combining secondary data analysis from leading Indian banks (2016\u20132024) and qualitative insights through expert interviews was employed. The results indicate that digital transformation is crucial for Indian commercial banks in driving higher profitability, enhancing customer service quality, and reducing operational costs. It also aligns with broader Sustainable Development Goals (SDGs) such as resource optimization and financial inclusion. The study proposes strategic policy recommendations and a digital roadmap for banks to achieve both financial and sustainable objectives under the Viksit Bharat 2047 vision.<\/p>

      Keywords<\/strong>: digital transformation, Indian commercial banks, profitability, operational efficiency, sustainable development<\/p> <\/div>\n\t\t \n

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      Camodeca, R., & Almici, A. (2021). Digital transformation and convergence toward the 2030 Agenda’s sustainability development goals: Evidence from Italian listed firms. Sustainability, 13(21), Article 11831. https:\/\/doi.org\/10.3390\/su132111831<\/p>

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      Loebbecke, C., & Picot, A. (2015). Reflections on societal and business model transformation arising from digitization and big data analytics: A research agenda. The Journal of Strategic Information Systems, 24(3), 149\u2013157. https:\/\/doi.org\/10.1016\/j.jsis.2015.08.002<\/p>

      Lyu, Y., Zhang, L., & Wang, D. (2023). The impact of digital transformation on low-carbon development of manufacturing. Frontiers in Environmental Science, 11, Article 1134882. https:\/\/doi.org\/10.3389\/fenvs.2023.1134882<\/p>

      Mubarak, M. F., Shaikh, F. A., Mubarik, M., Samo, K. A., & Mastoi, S. (2019). Impact of digital transformation on business performance: A study of Pakistani SMEs. Engineering, Technology & Applied Science Research, 9(6), 5056\u20135061.<\/p>

      Nwankpa, J. K., & Roumani, Y. (2016). IT capability and digital transformation: A firm performance perspective. In Proceedings of the 37th International Conference on Information Systems. Association for Information Systems.<\/p>

      Phuong Dung, N. T., Truc Huynh, N., Van Vo, D., Huu Tho, H., & Thi Thu Trang, L. (2025). The impact of digital transformation on the financial performance of Vietnam logistics enterprises: The moderator role of enterprise size [Working paper]. SSRN. https:\/\/doi.org\/10.2139\/ssrn.5227043<\/p>

      Ricci, F., Scafarto, V., Ferri, S., & Tron, A. (2020). Value relevance of digitalization: The moderating role of corporate sustainability. An empirical study of Italian listed companies. Journal of Cleaner Production, 276, Article 123282. https:\/\/doi.org\/10.1016\/j.jclepro.2020.123282<\/p>

      Scott, S. V., Van Reenen, J., & Zachariadis, M. (2017). The long-term effect of digital innovation on bank performance: An empirical study of SWIFT adoption in financial services. Research Policy, 46(5), 984\u20131004. https:\/\/doi.org\/10.1016\/j.respol.2017.03.010<\/p> <\/div>\n\t\t \n

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