Article
Impact of Digitalisation on Employee Efficiency in the Banking Sector: A Study with Reference to Saurashtra and Gujarat Region
The digital revolution will transform banking activities through the incorporation of digital channels such as online services, mobile apps, analytics tools, and automation software. Not only will it improve the customer experience, but it will also change how bank staff works and collaborates. The purpose of this study is to determine the influence of digitalization on the efficiency of the employees in the banking industry in relation to the Saurashtra and Gujarat region. This research used quantitative approach by collecting primary data with the use of structured Likert scale questionnaires distributed among 251 employees in the banking organizations ranging from the clerical to the managerial positions. The variables that were studied include digitalization, utilization of digital tools, organizational support, efficiency of the employees and employee productivity. The analysis of data involved structural equation modelling and tests such as reliability and validity using Cronbach’s alpha, AVE, CR, KMO, and Bartlett. The findings reveal that digitalisation has a strong positive effect on employee efficiency (β=0.710, p<0.001). The utilization of digital tools increases employee productivity (β=0.395, p<0.001), thus partly mediating the effect of digitalization on efficiency. Organizational support also significantly moderates the effect, making its positive effect more evident with the higher presence of the latter. This research shows that an effective digitalization process, assisted by proper digital tools and organization, increases employees' efficiency.