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

DOI:

https://doi.org/10.14419/n9b7ef73

Keywords:

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

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.

L. Osei, Y. Cherkasova & K. M. Oware (2023)” Unlocking the full potential of digital transformation in banking: a bibliometric review and emerg-ing trend” Future Business Journal Review Open access Published: 07 July 2023 Volume 9, article number 30, (2023)DOI: https://doi.org/10.1186/s43093-023-00207-2.

Li, Z., Chen, H., Lu, S., &Failler, P. (2024). “How does digital payment affect international trade? Research based on the social network analysis method “Electronic Research Archive 2024, Volume 32, Issue 3: 1406-1424 https://doi.org/10.3934/era.2024065.

Tarik Kellaf (2024)” Blockchain in trade finance: The Good, the Bad and the Verdict” This research investigates the potential of blockchain to streamline traditional trade finance processes reducing costs, enhancing efficiency, transparency, and security which are core digital banking ele-ments also relevant to international trade operations Modern Finance An International Open Access Research Journal Volume 2 No 2 DOI: https://doi.org/10.61351/mf.v2i2.206.

Dr.D. Renukadevi, Dr.D. Santhanakrishnan, Mrs.P. Manochithra (2022), An analysis of Technology trends and their impact on the globalization of business. International Journal of Early Childhood Special Education” (INT-JECS) ISSN: 1308-5581 Vol 14, Issue 03 2022. PP=7615-7620.

Downloads

Published

08-01-2026

Issue

Vol. 13 No. 1 (2026)

Section

Articles

License

Authors who publish with this journal agree to the following terms:

  • Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a  Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.

 

  • Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal''s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.

 

  • Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See  The Effect of Open Access).

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