The New Era of Commercial Banking Digital, Sustainable, and Inclusive

The commercial banking sector is undergoing a profound transformation. As global economies adapt to rapid technological changes, growing environmental concerns, and widening social inequalities, banks are reimagining their rolesnot just as financial intermediaries, but as drivers of systemic change. Today’s commercial banking is increasingly defined by three critical pillars: digital innovation, sustainability, and inclusivity. This paper focuses on Commercial Banking Digital, Sustainable, and Inclusive sustainable development. The findings indicate that digital finance development substantially enhances the sustainable growth of these commercial banks. This study offers a comprehensive synthesis of existing knowledge, providing a robust foundation for future research in digital transformation within commercial banking. Further analysis reveals that this enhancement is achieved through two main mechanisms: improved business performance and better risk management. Moreover, the positive impact of digital finance on the sustainable development of commercial banks is more pronounced in regions with higher levels of marketization and among non-state-owned commercial banks.