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

DOI

10.2991/978-94-6239-660-9_11How to use a DOI?

Keywords

Regulatory Compliance; Technology Implementation; Efficiency; Banking; and Organizational Readiness

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.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Download article (PDF)

TY  - CONF
AU  - Sunit Kumar Pandey
AU  - Koustubh Kanti Ray
PY  - 2026
DA  - 2026/04/29
TI  - Investigating the Role of Technology in Enhancing the Regulatory Compliance Efficacy in Indian Banks
BT  - Proceedings of the International Conference on Management Research (ICMR 2025)
PB  - Atlantis Press
SP  - 178
EP  - 191
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-660-9_11
DO  - 10.2991/978-94-6239-660-9_11
ID  - Pandey2026
ER  -