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Investigating the Role of Technology in Enhancing the Regulatory Compliance Efficacy in Indian Banks

In: Proceedings of the 5th International Conference on Management Research (ICMR 2025)

Author

Listed:
  • Sunit Kumar Pandey

    (KIIT School of Management (KSOM), Campus 7, KIIT University)

  • Koustubh Kanti Ray

    (KIIT School of Management (KSOM), Campus 7, KIIT University)

Abstract

A pivotal and crucial role is played by technology and technology driven solutions in modernizing compliance processes within the Banking Sector (BS) spanning across various product segment (asset, liability and banking services) and monitoring systems. Technology-driven solutions are replacing traditional compliance approach at an increasing pace, offering enhanced efficiency, accuracy to endure and align with regulatory framework which is dynamic and evolving. While numerous prevailing studies have highlighted that implementing technology plays a vital and crucial role in the banking industry, only a few limited studies have explored the impact of implementing technology in improving Regulatory Compliance (RC) within the BS. Therefore, the present study aims to examine the impact of technology implementation in augmenting the efficiency of RC in the BS. The sample has been taken from 450 managers and employees from public and private sector banks using a random sampling technique from five major cities of India, namely Kolkata, Mumbai, Bangalore, Hyderabad, and Pune. The hypotheses are investigated by using regression analysis. The findings indicate that, there is a key relationship between technology implementation and RC with Organizational Readiness (OR) as a mediator. Also, for enhancing the efficacy of RC, cost and time efficiency, transaction monitoring, and information technology infrastructure are found to be the critical determinants.

Suggested Citation

  • Sunit Kumar Pandey & Koustubh Kanti Ray, 2026. "Investigating the Role of Technology in Enhancing the Regulatory Compliance Efficacy in Indian Banks," Advances in Economics, Business and Management Research, in: Arvind Tripathy & Kumar Mohanty (ed.), Proceedings of the 5th International Conference on Management Research (ICMR 2025), pages 178-191, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6239-660-9_11
    DOI: 10.2991/978-94-6239-660-9_11
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