The Impact of ICT on the Profitability of Indian Banks: The Moderating Role of NPA

The role of Information and Communications Technology (ICT) cannot be ignored in today’s era working. Its effects are studied several sectors by various researchers. This study covers the impact ICT on profitability banks. Thirty-three banks operating India. A sample period 10 years (2010 to 2019) was studied. also provides insight into how helps banks’ during post-COVID-19. panel data analysis is performed estimate results. found that adversely impacts (NIM) India a linear association. However, quadratic association indicates positive U-curved relationship between profitability. In addition, Net Non-Performing Assets significantly but negatively connectivity findings imply should invest maximize long run. have no significant implication all stakeholders, including policymakers, shareholders, managers, consider implementing tools as an essential factor enhancing bank’s level otherwise lowered investments fruitful step. current augments existing literature banking providing novel evidence with under influence NPA. argues for application order increase their bank maintain transparency, accountability, even reach financial services increases. situation again leads enhancement country’s economy.