Digital Banking and Its Role in International Trade

  • Authors

    • D. Renukadevi Department of Corporate Secretaryship, Sri Ramakrishna College of Arts & Science,‎ Coimbatore, Tamil Nadu, India
    • Sharan Kumar Shetty Department of MBA, AJ Institute of Engineering & Technology – Mangalore, Karnataka, India
    • P. Vidhya Department of Corporate Secretaryship, Sri Ramakrishna College of Arts & Science,‎ Coimbatore, Tamil Nadu, India
    • Ramona Birau University of Craiova, Doctoral School of Economic Sciences ”Eugeniu Carada”, Craiova, Romania and Constantin Brâncuși” University of Târgu Jiu, Faculty of Economic Science, Tg-Jiu, Romania
    • Virgil Popescu Faculty of Economics and Business Administration, University of Craiova, Craiova, Romania
    • P. Manochithra Department of Corporate Secretaryship, Sri Ramakrishna College of Arts & Science,‎ Coimbatore, Tamil Nadu, India
    • Roxana-Mihaela Nioata (Chireac) University of Craiova, Doctoral School of Economic Sciences ”Eugeniu Carada”, Craiova, Romania
    • Gabriela Ana Maria Lupu (Filip) University of Craiova, Doctoral School of Economic Sciences ”Eugeniu Carada”, Craiova, Romania
    • M. Devaki Department of Corporate Secretaryship, Sri Ramakrishna College of Arts & Science,‎ Coimbatore, Tamil Nadu, India
    • N. Devaram Department of Corporate Secretaryship, Sri Ramakrishna College of Arts & Science,‎ Coimbatore, Tamil Nadu, India
    https://doi.org/10.14419/n9b7ef73

    Received date: November 16, 2025

    Accepted date: December 20, 2025

    Published date: January 8, 2026

  • Global Business; Digital Banking; Cyber Security Threats; Blockchain Integration, Artificial Intelligence, Digital Currencies

  • Abstract

    Digital banking has become a transformative force in the global financial system, profoundly influencing the dynamics of international trade. ‎By leveraging online platforms, mobile applications, and financial technologies, digital banking enables faster cross-border payments, trans-‎parent currency exchanges, and efficient trade financing solutions. It has significantly lowered transaction costs, enhanced financial inclusion, and created new opportunities for small and medium enterprises to participate in global commerce. At the same time, digital banking ‎introduces challenges such as cybersecurity threats, regulatory complexities, and disparities in technological access across regions. This ‎study explores the evolution of digital banking, its contributions to international trade, the opportunities it generates, and the challenges it ‎faces. It also examines emerging trends such as blockchain integration and central bank digital currencies, highlighting the potential of digital ‎banking to shape the future of global trade‎.

  • References

    1. Indrianti, M. A., Nurdin, A., &Perdhana, M. S. (2025). “Digital Trade Finance Transformation and Sustainable Marketing Strategies” Economic and Business Horizon. 4, 2 (May 2025), 137–146. https://doi.org/10.54518/ebh.4.2.2025.621.
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  • How to Cite

    Renukadevi, D. ., Shetty, S. K. ., Vidhya, P. ., Birau, R., Popescu, V. ., Manochithra , P. ., (Chireac), R.-M. N. ., (Filip), G. A. M. L. ., Devaki, M. ., & Devaram , N. . (2026). Digital Banking and Its Role in International Trade. International Journal of Accounting and Economics Studies, 13(1), 32-38. https://doi.org/10.14419/n9b7ef73