International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

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Volume 8 Issue 2
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Examining the Behavioural Implications of Digital Transformation in Banking: Evidence from Public and Private Sector Banks in Lucknow, India

Author(s) Ms. Naziya Arif, Dr. Mohd Hanif
Country India
Abstract AI-enabled services, core process automation, and mobile banking platforms have all accelerated the digital transformation of the Indian banking industry. Although these enhancements improved customer satisfaction and operational efficiency, they also changed workplace dynamics, skill requirements, and employee behaviour.

This study examines how employee behaviour in public and private sector banks in Lucknow has been affected by the digital transformation. It looks into how employees' motivation, flexibility, work engagement, and stress levels are affected by technology adoption and whether these behavioural responses vary depending on the industry and company culture. The study employs a quantitative methodology, depending on primary data collected from bank employees using standardized questionnaires. Correlation analysis, independent samples t-tests, and descriptive statistics were used to analyse behavioural data and identify variables affecting digital adaptation.

By emphasizing behavioural barriers, opportunities for skill development, and the function of organizational support in managing technological change, the study deepens our understanding of the human aspect of digital transformation in banking. In an increasingly digital banking environment, the study's findings offer useful guidance for improving HR policies, creating training initiatives, and guiding strategic decision-making.
Keywords Digital transformation, employee behaviour, public sector banks, private sector banks, Lucknow, organizational culture.
Field Sociology > Banking / Finance
Published In Volume 8, Issue 2, March-April 2026
Published On 2026-04-09
DOI https://doi.org/10.36948/ijfmr.2026.v08i02.73482
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