📄 Abstract
The Indian banking system plays a crucial role in maintaining financial stability and supporting economic growth. In recent years, the rapid expansion of digital banking services and evolving regulatory frameworks have significantly reshaped banking operations and customer access. This study examines the role of digital banking in enhancing efficiency, accessibility, and stability within the Indian banking system, while also analyzing the influence of regulatory frameworks in ensuring trust, security, and systemic resilience. The study is based on secondary data collected from RBI reports, academic journals, and policy documents. The findings suggest that digital banking has improved operational efficiency and financial inclusion, while strong regulatory oversight remains essential for managing risks, safeguarding customer interests, and sustaining financial stability. The study concludes that the combined effect of technological advancement and effective regulation is vital for the long-term stability of the Indian banking system.
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📚 How to Cite:
V R Dola Karan, Dr. G Ramesh , INDIAN BANKING SYSTEM AND FINANCIAL STABILITY: EXAMINING THE ROLE OF DIGITAL BANKING AND THE INFLUENCE OF REGULATORY FRAMEWORK , DOI: https://doi.org/10.36713/epra25476