The Indian banking sector's future will be characterized by a blend of technological innovation and structural modifications in the coming decade, as stated in a report by Eiara Securities named "Future of Banking - Seven structural forces shaping the next decade." The report emphasizes that AI and GenAI developments, shifts in deposit profiles, and the democratization of credit will be key influences on the industry from 2025 to 2035. Additional crucial structural factors encompass productivity issues, consolidation, and the development of new business models to address challenges. sks like digital dangers and environmental shifts. The report highlights that the next few years will signify a "struggle for significance" for banks during swift changes. Although India's robust digital infrastructure and favorable government policies create a strong basis for growth, banks must tackle new challenges like AI technology integration, cybersecurity risks, and productivity concerns. The report notes that over the last twenty years, Indian banks have adeptly handled various existential dangers while concentrating on attaining scale. From 2015 through FY25, the growth in business, loans, and deposits for Indian banks reached 1.7x, 1.74x, and 1.6x, respectively, exceeding the growth seen from 1951 to 2015. The robustness of the Indian banking system has developed gradually, having evolved from initial weaknesses. Despite significant fluctuations, including external factors like global issues and the COVID pandemic, as well as internal challenges like the asset quality review and demonetization, banks have come out more resilient. The report indicates that as the Indian banking sector undergoes a transformative phase, its success in the next decade will depend on its capacity to embrace new technologies, handle risks, and capitalize on opportunities.