This research project investigates the influence of online transactions on the working patterns of CITI Bank and Royal Bank of Scotland, focusing on how digital technology has revolutionized their operations and customer attraction strategies. It employs both primary and secondary research methods to analyze the impact of technology on the banking sector, examining the benefits and challenges associated with online transactions. The project evaluates different research approaches, justifying the chosen methods based on a philosophical framework and addressing cost, access, and ethical considerations. The findings are communicated in a clear and logical manner, demonstrating how the research objectives were met and providing recommendations for improvements and future research in the context of digital transformation in banking. The research uses questionaire to collect the data and provides critical reflection and insight that results in recommended actions for improvements and future research considerations.
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