This study explores the profound impact of digital transformation on retail banking. The rapid advancement of digital technology has fundamentally reshaped the landscape of retail banking services worldwide. Digital transformation in retail banking is primarily characterized by the shift towards digital channels such as mobile banking apps, online platforms, and digital payment solutions. These technologies have revolutionized customer interactions, enabling seamless and convenient access to banking services anytime, anywhere. Customers now expect personalized experiences tailored to their preferences, facilitated by data analytics and AI-driven insights. Operational efficiency has markedly improved through automation of routine tasks like account opening, loan processing, and customer service inquiries. This has not only reduced costs but also enhanced speed and accuracy in service delivery. Concurrently, banks are exploring new revenue streams and business models through partnerships with fintech firms, offering innovative products such as digital wallets, robo-advisory services, and personalized financial solutions.