Digital Banking Products and Services: Transformation, Security Challenges, and Customer Experience

Taghavi, Seyyed Ali

doi:10.22034/efp.2026.2091439.1058

Digital Banking Products and Services: Transformation, Security Challenges, and Customer Experience

نوع مقاله : مقاله پژوهشی

نویسنده

Seyyed Ali Taghavi

Department of Financial Management, Semnan Branch, Islamic Azad University, Semnan, Iran,

10.22034/efp.2026.2091439.1058

چکیده

Digital banking has emerged as one of the most significant transformations in the financial system in recent decades. It goes beyond traditional online banking by leveraging advanced technologies to reshape the delivery of financial services. The objective of this study is to examine the main products and services of digital banking and analyze their role in improving customer experience and the efficiency of financial services. This research adopts a descriptive–analytical approach based on document analysis and secondary data sources. The research data were collected through a review of academic literature, banking industry reports, and studies related to digital transformation in financial services, and were analyzed qualitatively. The findings indicate that the expansion of services such as internet banking, mobile banking, digital payments, and electronic wallets has significantly enhanced the speed, accessibility, and personalization of banking services. However, the development of digital banking is also accompanied by challenges including cybersecurity risks, data privacy concerns, and regulatory requirements. Overall, digital banking plays a strategic role in transforming banking business models and improving customer experience, making it a key component of financial system evolution in the digital economy.

چکیده تصویری

کلیدواژه‌ها

Digital banking

customer experience

cybersecurity

financial innovation

موضوعات

سیاست‌گذاری اقتصادی

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