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Photo by David Dvořáček on Unsplash Digital banking can be easily understood as the process of delivering banking services online, encompassing both transactional and non-transactional services. This enables end users to access these services without the necessity of physically visiting a bank. For any service, technology plays a pivotal role. Customers commonly interact with a bank through various official platforms, such as the official website, mobile applications, social media channels, mobile banking services, email, and messaging platforms like Viber or Facebook Messenger. The public also has the option to experience banking services either through digital channels or by visiting branches, ATMs, or POS terminals. Access to financial services is thriving through digital channels such as the internet and mobile banking, accompanied by diverse payment methods including debit cards, mobile wallets, and QR codes . Over 72 per cent of Nepali now own mobile phones , making them a...