The Influence of Digital Banking Services on Financial Performance: A Focus on Customer Experience


  • Rajkumar Lohano Research Scholar at the Institute of Business Administration University of Sindh, Jamshoro, Sindh Pakistan.
  • Mushtaque Ali Jariko Institute of Business Administration University of Sindh, Jamshoro, Sindh, Pakistan.
  • Muhammad Memon Institute of Business Administration, University of Sindh, Jamshoro, Sindh Pakistan.



Digital banking services; Customer experience; Financial performances; Private banking sector.


This study highlights the critical role that customer experience plays in illuminating the complex relationship between digital banking services and the private banking sector's financial performance. This study investigates the mediating relationship between customer experiences in digital banking and financial performance. An online survey questionnaire is based on a convenience sample technique; cross-sectional data is employed in this study to conclude the findings. Three hundred sixty-one functional responses were extracted, and the structural equation model (SEM) was used to analyze the data to provide the final results. This research study may provide policymakers and banking sector planners in Pakistan with a fresh perspective on how to provide particular thought and create an environment that can be helpful for the achievement of profitable financial benefits. The impact of digital banking services and customer experience on the financial performance of the private banking sector of Hyderabad, Sindh, Pakistan. This research will explore how digital banking services ensure easy information delivery, minimize fraud, and provide marketable products to provide the best services to customers and enhance financial performance. With this practice, practitioners and policymakers can make such policies that can ultimately enhance the financial performance of the private banking sector.


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How to Cite

Rajkumar Lohano, Mushtaque Ali Jariko, & Muhammad Memon. (2024). The Influence of Digital Banking Services on Financial Performance: A Focus on Customer Experience. Progressive Research Journal of Arts & Humanities (PRJAH), 6(1), 88–100.