Technological advancements are driving rapid change within the Indian banking enterprise. The present-day trends in banking technology are examined in this study, with unique attention paid to blockchain, AI/ML, cloud utilisation, and newer technology like open banking and IoT. We examine the adoption barriers and possible advantages of these breakthroughs using facts, tables, and analysis. In addition, we use empirical information to look at three hypotheses: 1) Chatbot customers are much less satisfied than human contact; 2) AI-powered fraud detection lowers fraud charges than conventional techniques; and 3) larger value reductions are correlated with expanded cloud usage. Every premise is supported by means of statistical proof, emphasising how generations have affected important aspects of banking. In conclusion, we offer suggestions on how banks might use these technologies going forward to improve customer experiences.