Digital banking has emerged as a crucial component of modern banking systems due to rapid technological advancements and increased customer expectations. Services such as mobile banking, internet banking, UPI, and digital wallets have transformed traditional banking operations by providing convenience, speed, and accessibility. In India, initiatives like Digital India and financial inclusion programs have significantly accelerated the adoption of digital banking services. service quality in digital banking plays a vital role in shaping customer perceptions and experiences. Factors such as reliability, ease of use, security, responsiveness, and efficiency influence customer satisfaction and trust. High service quality not only enhances customer satisfaction but also leads to customer loyalty, which is essential for banks to retain customers in a highly competitive environment. Therefore, evaluating the service quality of digital banking and its impact on customer loyalty has become an important area of study.

Key Words:- Digital Banking, Service Quality, Customer Loyalty, UPI, Banking Technology