The banking sector has witnessed the rapid growth in Information technology that brings new experience in shaping the growth of the Indian economy. The Indian banking sector leads and triggered first in adoption of the new innovations. Further this rapid growth has also led the problems including Data security concerns, Big Data, Mobile Payments, customer’s attentions and Personalization of services, normalising remote work, Bots (and AI) is now helping the banking professionals. On the other hands, high expectations of customers, and increased competition form the foreign banks, both public and private sector banks are bound to improve their services with the new and emerging technologies in their services. This study analyses the impact of technologies in Indian banks, for that purpose the  Primary data have been used which was gathered from 100 respondents  (25 each) from SBI, PNB (Public sector) and ICICI and HDFC bank (Private sector) using a close ended structured questionnaire and Multiple Regression method is used for analysing the results. The study revealed that three variables i.e., Instant Payments (ET_5), API (Application Programming Interface) Platforms (ET_10), and Digital Account Opening (ET_9) explains the emerging technologies used by banks of Rajasthan have made the significant improvement on the working of public and private sector banks.

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Keywords: Emerging Technologies, Public and Private Sector Banks, API, Digital Account Opening.