In an era defined by rapid technological transformation, the banking and financial services industry has undergone a revolutionary shift—from traditional banking practices to digital-first, customer-centric frameworks. Addressing this timely evolution, the new book “Digital Banking” presents a comprehensive and insightful exploration of the changing landscape of digital financial systems in India. Authored by experienced academicians Dr. Janardhan Kundlik Pawar, Dr. Sudarshan Pawar, Miss. Priyanka Holkar, and Mr. Rajanikant Dilip Gaikwad, this book serves as a valuable contribution to modern banking literature and digital finance studies.
Dr. Janardhan Kundlik Pawar, Assistant Professor in Commerce and Head, Department of Commerce at Tuljaram Chaturchand College of Arts, Science and Commerce, Baramati (Autonomous), brings his rich academic background—spanning Commerce, Marketing, Advanced Accounting, and educational leadership—to this volume. A teacher, author, and reviewer of research journals, Dr. Pawar combines scholarly depth with practical insights into emerging banking trends. His extensive knowledge strengthens the analytical foundation of this book.
Dr. Sudarshan Pawar, Assistant Professor in Commerce, adds remarkable academic rigor with his qualifications—M.Com., GDC&A, NET, SET, and a Ph.D. in Marketing. Rising from his rural roots, he has built a strong profile as a researcher, having published 15 research papers across international, national, and state platforms. His participation in multiple Faculty Development Programs and a Refresher Course has enriched his understanding of consumer behavior, digital payment ecosystems, and marketing advancements, which significantly informs the book’s content.
Miss. Priyanka Holkar, Assistant Professor in BBA(CA) at Mugutrao Sahebrao Kakade College, Someshwarnagar, contributes her expertise in Computer Science and digital application development. With 5 years of undergraduate teaching experience, she brings a technical perspective essential to understanding cybersecurity, digital interfaces, user experience, and the technological backbone of modern banking.
Mr. Rajanikant Dilip Gaikwad, Assistant Professor and Head of the Department of BBA(CA) at the same institution, provides a dual academic specialization in Computer Science and Commerce (Banking & Finance). His insights bridge the gap between financial theory and the digital mechanisms enabling today’s banking services, making the book deeply relevant for students, academicians, and practitioners.
Together, these four authors present a work that explores the multifaceted world of digital banking—from online payment systems, mobile banking apps, and cybersecurity challenges to fintech innovations, e-wallets, digital lending, and the implications of emerging technologies like AI, blockchain, and cloud computing.
The book skillfully examines how digital banking has enhanced convenience, reduced operational barriers, and increased financial inclusion in India, while also highlighting the challenges related to data privacy, cyber threats, customer trust, and regulatory frameworks.
Digital Banking not only reflects the present realities of India’s digital financial ecosystem but also anticipates future developments in banking technology. Through clear explanations, relevant case studies, and academic analysis, this book serves as a resourceful guide for commerce students, IT learners, educators, fintech professionals, policymakers, and banking practitioners.
In essence, Digital Banking is a timely and insightful contribution that helps readers understand the digital revolution shaping India’s financial sector. It stands as an essential reference for anyone seeking clarity and knowledge in this fast-evolving domain.