As much as digitization has enabled global accessibility, it has brought in a set of challenges in the way of banking and financing undeniably. The inflexible and complex structure alongside decades-old application landscape elements results in the acute inefficiency of the state bank digitization. Convenience, relevance, responsiveness, and reliability become the key factors in engaging with the customers in today’s ever-demanding voracious consumption practices and general expectations that are accorded with brand loyalty. On the other hand, it might lead to a heavy loss at the bank’s end when met with low efficiency to the former set-up.