Authors : Archana Todupunuri

Volume/Issue : Volume 10 - 2025, Issue 1 - January

Google Scholar : https://tinyurl.com/yc52uzsh

Scribd : https://tinyurl.com/4n5zy38w

DOI : https://doi.org/10.5281/zenodo.14769362

Abstract : The Digital Banking Ecosystem's need for a human-centric variant rises as the key strategy to restore the lost confidence and implement proper methods, including ethical, explainable, and transparent ones. Thus, based on steps addressing the key challenges raised by the development of artificial intelligence systems, this paper aims to demonstrate how human centered artificial intelligence can improve the user experience, security, and transparency of the digital banking sector. As the method used is structurally systematic and the contexts under consideration include global and US ones, the role of human-centric AI is revealed. This study highlights its potential of filling the trust gap as key discoveries and implications highlight a roadmap for the future platform of digital banking.

Keywords : HC-AI, Innovation of Digital Banking, Trust, PSD2, Security, UX, Truly Global Operations, Operation of US Banks.

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