"Impact of Digital Banking on India's Financial Sector''

This study examines the impact of digital banking on India’s financial sector, focusing on how technologies like UPI, mobile banking, and fintech innovations have improved accessibility, efficiency, and financial inclusion. It also highlights key challenges such as cybersecurity risks and digital literacy gaps. The research shows that digital banking is transforming the financial landscape, promoting inclusive growth and reshaping customer experiences. Using secondary data from government publications, industry reports, and scholarly articles, the report provides an in-depth understanding of how digital banking is revolutionizing India's financial sector and what the future holds in terms of innovation, risk management, and inclusive growth. Key Words: Financial Inclusion, Digital Payments, Banking Innovation, Internet Banking, Economic Growth.