Intelligent Digital Banking Technology and Architecture: A Systematic Literature Review

Elisa Indriasari, Harjanto Prabowo, Ford Lumban Gaol, Betty Purwandari

Research output: Contribution to journalArticlepeer-review

5 Citations (Scopus)


The digital banking sector has made tremendous progress in userfriendly, efficient, and rapid financial transactions, owing to the exponential growth of ICT technologies. Consequently, many new banking products, services, and business opportunities have emerged. This paper presents a comprehensive analysis of new emerging technologies and architecture that can support the development of intelligent digital banking platforms. This study aims to explore the latest relevant technology to enhance customer experience and minimize human interaction to prevent the spread of COVID-19. The study follows Kitchenham's SLR principles and goes into great depth regarding the process of choosing and analyzing relevant research papers. This research promoted 40 articles that discuss potential emerging technologies, such as artificial intelligence, blockchain, big data, biometrics, and cloud computing. Some key areas of literature were examined, such as technological trends, potential features, and technical solutions. The articles selected were based on specific criteria and used high-quality databases, including IEEE Xplore, Elsevier, SpringerLink, ACM, and AIS. This study considered recent papers published between 2015 and 2021. The study's main contribution is identifying state-of-art digital banking technology trends and proposing digital banking architecture based on the latest technologies. The researcher can use it to reference future research on digital banking, smart banking, and intelligence banking. The findings and recommendations will help foster different approaches to decisions and implications for the bank's management and policymakers in the future development of digital banking.

Original languageEnglish
Pages (from-to)98-117
Number of pages20
JournalInternational Journal of Interactive Mobile Technologies
Issue number19
Publication statusPublished - 2022


  • Artificial intelligence
  • Digital architecture
  • Digital banking
  • Digital innovation
  • Digital transformation
  • Intelligent banking
  • Smart banking


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