All conceptions of what it means to be an employee in the banking business are rapidly evolving as the sector undergoes a vital transformation phase. It's a very visible tool with the potential to spur major development, facilitate growth, encourage modernisation, and entice alluring contests. Expanding access to banking services is only one of many advantages brought about by the growing popularity of online banking. The primary goal of this research is to examine how banks are becoming more digitally advanced via product and service innovation. To acquire the information needed for this study, one hundred employees from different banks, were randomly selected. The data on banking's digitalization has been analysed and interpreted using a frequency analysis approach. The research reveals that digitalization in banking industry have great impact upon the innovation and creativity of banking product and services.