[20] IMPACT OF DIGITAL BANKING ADOPTION ON SBI BRANCH EFFICIENCY WITH REFERENCE TO SINGANALLUR BRANCH COIMBATORE: CrossRef D.O.I. : https://doi.org/10.56815/ijmrr.v5si1.2026.147-153, How to Cite: Amsaveni N & B Anushya (2026). Impact Of Digital Banking Adoption On sbi Branch Efficiency with Reference to Singanallur Branch Coimbatore, International Journal of Multidisciplinary Research & Reviews, 5(si1), 147-153.

Dr. N Amsaveni; Ms. Anushya B

Authors

Dr. N Amsaveni Associate Professor, Department of MBA Sri Ramakrishna College of Arts & Science, Coimbatore, TN, India.
Ms. Anushya B Student, Department of MBA Sri Ramakrishna College of Arts & Science, Coimbatore, TN, India.

Abstract

The emergence of digital banking has transformed India’s financial landscape, reshaping the way banks operate and customers interact with financial institutions. This study analyzes the impact of digital banking adoption on the operational efficiency of the State Bank of India (SBI), focusing on the Singanallur Branch, Coimbatore. It examines how digital platforms such as YONO, Internet Banking, and Mobile Banking influence customer behavior, staff productivity, and branch workload. Using descriptive and analytical research designs, data were collected from 130 SBI customers through structured questionnaires. Statistical tools including Chi-Square, Correlation, and Multiple Linear Regression were applied using SPSS. Results reveal a strong association between digital banking usage and reduced branch dependency, while customer satisfaction is significantly influenced by time-saving, interface usability, and transaction reliability. The study concludes that digital transformation enhances operational efficiency but requires continued investment in technology, user education, and cybersecurity.

Keywords:

Digital Banking, SBI, Branch Efficiency, Customer Satisfaction, YONO App, Operational Efficiency, Technology Adoption, Time-Saving, Transaction Reliability, Cybersecurity