The rapid evolution of digital banking has transformed the financial sector, offering customers convenient, efficient, and cost-effective banking services. However, despite its benefits, digital banking presents several challenges that hinder a seamless user experience. This study examines the key problems faced by bank customers in digital banking, including cybersecurity threats, technical glitches, lack of digital literacy, poor customer service, and regulatory concerns. Through an extensive literature review, this research explores how these issues impact customer satisfaction and trust in digital banking services. Furthermore, the study identifies gaps in current banking systems and proposes potential solutions to enhance the overall customer experience. The findings highlight the need for banks to strengthen cybersecurity measures, improve digital literacy programs, and enhance customer support to ensure a more secure and user-friendly digital banking environment.
Digital Banking, Customer Challenges, Cybersecurity, Digital Literacy, Banking Technology, Customer Satisfaction
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