This study investigates the challenges and strategies involved in enhancing digital proficiency among customers and stakeholders of Payments Bank. With the rise of digital banking services, it is essential for financial institutions to bridge the dig

This study investigates the challenges and strategies involved in enhancing digital proficiency among customers and stakeholders of Payments Bank. With the rise of digital banking services, it is essential for financial institutions to bridge the digital divide, particularly in semi-urban and rural areas. The research identifies key barriers such as lack of awareness, limited digital infrastructure, and technology accessibility. Using descriptive statistics, correlation analysis, and chi-square tests, the study explores user satisfaction, perception of service efficiency, and the impact of demographic factors. The findings emphasize the importance of digital literacy programs, infrastructure development, and service accessibility to drive financial inclusion and competitiveness. Recommendations are provided to support the bank's efforts in creating a more digitally inclusive environment.