Authors : Sumit Bishnoi; Bharat Singh Rathore; Arvind Kaswan

Volume/Issue : Volume 11 - 2026, Issue 4 - April

Google Scholar : https://tinyurl.com/2n48rsy4

Scribd : https://tinyurl.com/4d2jx95s

DOI : https://doi.org/10.38124/ijisrt/26apr1418

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

Abstract : This research investigates the structural transformation of the Indian banking sector through FinTech integration between 2020 and 2025. Unlike existing literature that treats digital adoption as a peripheral service, this study utilizes a descriptive framework to argue that FinTech specifically the Unified Payments Interface (UPI) has become the primary driver of operational architecture. By analysing secondary data across digital payment trajectories and financial inclusion indices, the findings demonstrate a fundamental shift toward high-frequency, low-cost transaction models. The analysis reveals that these innovations have decoupled institutional growth from physical infrastructure, significantly enhancing cost and scale efficiency. However, the study also identifies critical bottlenecks in cybersecurity and digital literacy that necessitate a proactive regulatory evolution.

Keywords : FinTech, Operational Efficiency, Digital Payments, UPI, Financial Inclusion, Indian Banking, Banking Performance

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