Abstract
The modern banking system includes the effective usage of technology not only to deliver services to customers, but also to increase the financial performance of the banking sector. The present study considered the meta data of the State Bank of India and the HDFC Fund for the duration 2009-10 to 2019-20. The study introduced the data in panel form and applied the approach according to the objectives outlined. The study primarily looked at the four key banking network variables (internet banking, telephone banking, ICS banking and ATMs) influencing the contingent variable – asset returns by tracking a few different variables. The study examined the relationship between the banking technology variables and the financial variables with the aid of the Bivariate correlation statistical method, and the result revealed a favorable relationship with the asset returns technology variables. The study examined the influence of technology on the financial results of banking with a mediation effect and concluded that mobile and ICS banking have a substantial impact on the return on assets of the selected SBI and HDFC banks.
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